Car insurance during the war in Ukraine: how to insure a car in 2025?

Even during the war, insurance remains mandatory for all vehicles travelling on Ukrainian roads. Find out more about how to insure your car during martial law and whether you can get compensation for a damaged car during the war

Apply for a car insurance policy at Visit Ukraine - guaranteed protection on the road in just 5 minutes!

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Every driver of Ukraine is obliged to know all the nuances of insurance of his own vehicle. How favourable to insure the car in Ukraine in 2025 and whether you need insurance on the car during the war - we tell you further in the material.

Apply for a car insurance policy on the Visit Ukraine portal!

The registration process takes only a few minutes, after which you will receive your policy by email!

What car insurance is compulsory in Ukraine?

Autograzhdanka (OSAGO) is a Ukrainian insurance policy, which reimburses damages to victims of road accidents. According to the law of Ukraine, every driver of a vehicle must take out compulsory car insurance.

Auto insurance provides for only one type of compensation: the insurance company of the guilty party compensates the losses to the injured party, but do not forget that the amount of payment in case of an accident is limited.

Do I need car insurance during the war?

Yes, according to the law of Ukraine, MTPL insurance remains mandatory for all vehicles even during the war.

In case of absence of the policy the driver will be obliged to pay a fine of UAH 425. If not paid within 15 days, the amount is doubled, and the driver will pay 850 hryvnia.

It is not worth driving without car insurance not only because of fines, but also because in case of participation in an accident in the absence of the policy, the driver-accused will have to cover losses to the victims at his own expense.

Prices for car insurance in 2025

The price for the relevant type of insurance depends on a number of factors, namely:

1. The volume of the car's engine. The larger the engine volume, the higher the cost of insurance.

2. Location of registration. In large cities, the cost of the policy will be higher.

3. Insurance company. Tariffs can vary considerably, so it is worth comparing the offers of different insurers.

4. Availability of benefits. Drivers who are participants of military operations, pensioners or disabled people can get a discount on insurance (up to 50%), if their car has an engine volume of up to 2500 cm³ or an electric motor with a capacity of up to 100 kW, as well as if the car is not used for commercial purposes.

On the Visit Ukraine portal you can calculate the cost of insurance for your car online.

Here is an example of prices from different insurers for cars with engine volume from 1601 to 2000 cm3 in Kiev:

Benefits for car insurance

The cost of the policy differs depending on the following factors:

● the type of vehicle. For example, the price of insurance for a motorbike will be lower than the price of a car policy;

● engine displacement. The larger the volume, the more expensive the insurance is;

● place of registration of the vehicle. Different regions of Ukraine have different prices for the policy;

● benefits of the vehicle owner. For example, war participants, disabled people of group ll, Chernobyl accident liquidators of groups l and ll, as well as pensioners can take out MTPL insurance with a 50% discount;

● the size of the deductible.

If you are a confident driver, you can save money on compulsory motor insurance by choosing the highest deductible amount. Remember that the deductible is the part of the loss that you assume if an insured event occurs. Its amount is determined by you and the insurance company before signing the contract.

Also, in order to choose the policy at the best price, we advise you to look through several offers and compare the terms and conditions and cost offered by insurers.

The Visit Ukraine portal offers convenient conditions for car insurance. Here you can quickly and easily buy a MTPL policy online at a favourable rate. Available packages with deductible 3200 hryvnia, 1600 hryvnia and 0 hryvnia.

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How to insure a car against military risks?

To reliably protect your car from military risks, we advise you to consider the option of additional Mini Hull insurance.

Mini hull insurance is a voluntary policy, which remains quite popular among car owners of Ukraine. The main difference of the policy from the well-known car insurance is that with Mini Hull insurance the driver can count on his insurance company not only if he is a victim, but also when he is recognised as the perpetrator of the accident.

In addition to road accident damage, depending on the chosen package, Mini Hull insurance covers tow truck services, total destruction of the vehicle as a result of a natural disaster and in case of passive war risks.

This means that if the vehicle is damaged due to war risks, the owner can receive compensation.

We have previously detailed how Mini hull insurance works and what this insurance covers.

Important! Mini hull insurance policy is available not only for Ukrainians, but also for foreigners who plan to travel to Ukraine and want to take care of additional protection on the roads.

How to take out insurance?

Registration of car insurance in Ukraine does not take much time and does not require a complicated package of documents. The algorithm is quite simple:

You can take out the insurance you need through online services such as Visit Ukraine, which offer package solutions for drivers. It is also available in the offices of insurance companies or by visiting agents in person (but this can be less convenient and expensive).

How to issue a insurance policy through Visit Ukraine: instructions

You can buy an insurance policy online on the Visit Ukraine portal in just a few minutes. To do this you need to:

1. Go to the link.

2. Select the required type of insurance.

3. Specify the region of registration of the vehicle.

4. Specify the insurance start date.

5. Select the best offer and press ‘take out’.

Why is it worth taking out insurance through Visit Ukraine?

❗️ Service adapted for both Ukrainians and foreigners: website and support in several languages, detailed counselling, simplified application procedure.

❗️ Guaranteed cooperation with proven insurance companies: no need to search for a reliable organisation on your own, worry about possible fraud or hidden conditions.

❗️ Possibility to take out comprehensive insurance: in addition to mini hull insurance and CMTPL insurance, you can buy other insurance products (medical insurance with coverage of military risks, etc.) in one service.

❗️ Transparency and convenience: all conditions, prices and possible coverage options are indicated on the website, and expert advice is available online.

Reminder! There are several insurance options available in Ukraine that can help foreign motorists minimise the risks associated with possible car damage or road accidents. Find out which insurance option is the most optimal for foreigners.

Want to know more? Read the latest news and useful materials about Ukraine and the world in the News section.

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Visit Ukraine Car Insurance – car insurance with extended coverage in Ukraine;

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