According to the Minfin index, the average cost of personal transport insurance services (MTPL policy) in Ukraine in August 2025 was 5,011.40 UAH. For comparison: at the beginning of 2023, the average price was only about UAH 1,609. In other words, the price has more than tripled in two years.
Some sources report that the range of real prices for a policy in 2025 for passenger cars varies from 2,500 to 10,000 UAH, depending on the region, engine size, and other factors.
And these are precisely the figures that underlie drivers' current questions about future insurance costs.
The cost of auto insurance by region: where it is more expensive, where it is cheaper
The cost of an MTPL policy in Ukraine depends significantly on the region where the vehicle is registered. This is because insurance companies take into account local risks, such as traffic density, accident frequency, payout levels, crime rates, etc. The more intense the traffic in the region and the higher the losses under the policies, the more expensive the auto insurance will be.
According to the Minfin personal transport insurance services index, in August 2025, the average cost of an auto insurance policy was:
- Kyiv region — 6,292.56 UAH
- Lviv region — 6,050.54 UAH
- Dnipropetrovsk region — 5,223.27 UAH
- Zaporizhzhia region — 4,564.69 UAH
- Zakarpattia region — 3,698.14 UAH
Therefore, when buying a car and choosing a place of registration, it is advisable to consider the impact of the region on the cost of MTPL insurance. Minfin.com.ua allows you to easily compare MTPL insurance rates in different regions and from different insurance companies.
Why the MTPL tariff is rising: key factors
- Growth in the average amount of payments under MTPL contracts. According to the MTSBU, in the first nine months of 2025 alone, the average payment under a contract was about UAH 42,248, which is 27.5% more than in the same period last year.
- Legislative changes: On January 1, 2025, a new law on motor third-party liability insurance came into force, introducing new requirements for insurers and changing the tariff structure.
- Regional risks: large cities and regions with high accident rates or a greater number of vehicles have correspondingly higher prices for car insurance in Ukraine.
- Devaluation, inflation, rising repair and spare parts costs — all of these factors affect insurers and tariffs.
What to expect in 2026
According to Minfin experts, rates may increase in 2026, but at a slower pace — approximately +10-20% compared to over +110% in 2025. Drivers are advised to factor a possible price adjustment into their budget now and use online services to compare offers.
Advice for drivers from Minfin experts
- Assess how you're driving, and accident rate are changing — this affects long-term costs. Insurance companies keep information about traffic accidents. If you have not been involved in an accident for three years, this may affect the insurer's loyalty or individual offers for the next year.
- If you are buying a new car, check which models have more expensive insurance. Certain car models are statistically more likely to be involved in accidents or require more expensive repairs. Insurers are aware of this and it affects the rate. Before buying a car, it is worth evaluating not only the cost of fuel and maintenance, but also the potential cost of insurance.
- Use annual trends to forecast your expenses. MTPL rates change unevenly: they rise faster after the update of liability limits, new legislative requirements, or changes in the structure of payments. Experts advise keeping an eye on reviews and indices to forecast expenses and adjust your budget in time.
- Check how the company settles claims — this is more important than a difference of $200–300 in the rate. Minfin experts emphasize that sometimes a cheaper policy is not the best solution. The difference in payments and settlement speed can be significant. On the Minfin platform, you can view real complaints, the insurer's financial stability, and its payment history — these are indicators that are more valuable than a low price.
For example, based on the total amount of insurance premiums collected in 2024, the leaders among insurance companies were as follows:
- TAS;
- Oranta;
- Knyazha Viennese Insurance Group;
- PZU Ukraine;
- VUSO.
Conclusions
A new stage of adaptation lies ahead: legislation continues to change, economic factors remain unstable, and insurance companies are testing new approaches to tariff setting. But those who have information have an advantage. And today, you can use it to optimize your car maintenance budget in 2026.
