Third-party liability insurance became substantially more expensive in 2026. Where to find the lowest prices, depending on the car, owner, and city

MTPL insurance became substantially more expensive in 2026, after prices had remained relatively constant for more than 2 years. More precisely, data from the Financial Supervisory Authority (ASF) show that in the first six months of the year, the average premium increased by 15% compared with the same period last year. 

Meanwhile, companies selling in Romania through the European passport system, being supervised from abroad, have gained ground. We present below the best offers, depending on the car and driver.

HERE you can find the discount percentages applied according to the bonus category you are assigned to, as well as the penalties for those with malus.

We present the cheapest offer and, where applicable, an offer close to it as well

An explanation of an MTPL calculation method, which serves as the basis for establishing the reference tariff, can be found HERE.

40-year-old driver from Bucharest, car with a power output of 130 kW, B5: Axeria—2,917 lei, Groupama – 2,942 lei;
36-year-old driver, Bucharest, 74 kW car, B1 – Groupama – 2,610 lei, Axeria – 2,694 lei;
36-year-old driver, Suceava, 81 kW car, B1 – Axeria, Hellas Direct, Allianz Țiriac – around 1,420 lei;
56-year-old driver, Alba, 65 kW car, B2 – Hellas Direct—1,429 lei;
49-year-old driver, Hunedoara, 77 kW car, B8 – Allianz Țiriac – 680 lei;
69-year-old driver, Hunedoara, 70 kW car, B8 – Hellas Direct 1,115 lei, Asirom – 1,188 lei;
53-year-old driver, Ilfov, 125 kW car, B8 – Grawe—1,612 lei;
58-year-old driver, Cluj, 110 kW car, B8 – Hellas Direct—1,249 lei;
36-year-old driver, Cluj, 88 kW car, B7 – Hellas Direct—1,293 lei.