CASCO Calculator 2026 — Estimate Your Insurance Price
Use our free CASCO calculator and find out how much car insurance will cost in 2026. Enter the make, year of manufacture, value, city and driver details — the calculator shows your estimated annual and monthly CASCO price in real time.
How to use: select the car make, enter the year of manufacture and value, choose your city and enter the driver's age and experience. The calculator automatically estimates the CASCO price and compares it with TPL insurance.
CASCO Calculator
Estimate the indicative CASCO insurance price based on the car's make, year, value and other parameters.
Price breakdown:
• Accidents (your fault)
• Theft and vandalism
• Natural disaster damage
• Glass breakage
• Damage caused by animals
• Mechanical wear
• Damage due to intoxication
• Rental cars (without an add-on)
• Undeclared incidents
CASCO costs ~0x more than TPL, but it also covers damage to your own car.
What Is CASCO Insurance?
CASCO insurance (voluntary comprehensive vehicle insurance) is a type of insurance that covers damage to your own car, regardless of who is at fault for the incident. Unlike mandatory TPL insurance, CASCO protects your own vehicle.
In Lithuania, CASCO insurance is offered by all major insurers: Lietuvos Draudimas, ERGO, If, BTA, Gjensidige, Compensa and others. Prices differ by up to 40 % between insurers, so it always pays to compare.
CASCO insurance is mandatory for leased cars, because the vehicle is the bank's property. When buying with cash or a loan, CASCO is a voluntary choice.
What Determines the CASCO Price?
The CASCO insurance price depends on many factors. Here are the main factors that determine your premium:
| Factor | Effect on price | Example |
|---|---|---|
| Car make | Up to +50 % | BMW/Mercedes more expensive than Toyota/Kia |
| Year of manufacture | Up to +50 % | Older car = higher risk = more expensive |
| Car value | Direct | The more expensive the car, the more expensive the CASCO |
| Engine power | Up to +30 % | More powerful engine = higher risk |
| Registration city | Up to +15 % | Vilnius most expensive due to traffic intensity |
| Driver's age | Up to +30 % | Under 25 — higher rate |
| Driving experience | Up to +40 % | Less than 2 years of experience — large surcharge |
| Claims history | Up to +50 %/-30 % | Bonus-malus system: no claims = discount |
| Deductible amount | Up to -25 % | Higher deductible = lower premium |
CASCO Prices by Make 2026
Indicative annual CASCO prices in Lithuania in 2026 (car 2018-2022, value 10,000-25,000 EUR, driver 30+, 5+ years of experience):
| Make | Annual price | Risk level |
|---|---|---|
| Toyota | 260-450 EUR | Low |
| Hyundai / Kia | 270-460 EUR | Low |
| Skoda | 280-480 EUR | Low-medium |
| Volkswagen | 300-550 EUR | Medium |
| Volvo | 320-580 EUR | Medium |
| Audi | 380-680 EUR | Medium-high |
| BMW | 450-800 EUR | High |
| Mercedes-Benz | 480-850 EUR | High |
* Prices are indicative and depend on the specific model, engine and insurer. Updated March 2026.
CASCO vs TPL Insurance — Comparison
Main differences between CASCO and TPL insurance:
| Criterion | KASKO | TPL (MTPL) |
|---|---|---|
| Obligation | Voluntary (mandatory with leasing) | Mandatory for everyone |
| What it covers | Damage to your own car | Damage to another person/car |
| Annual price | 200-1,500 EUR | 60-120 EUR |
| Theft protection | Yes | No |
| Natural disaster events | Yes | No |
| Glass breakage | Yes (usually) | No |
| Accident (your fault) | Covers your car | Covers the other car |
| Deductible | 150-500 EUR | None |
* TPL insurance is mandatory under Lithuanian law. CASCO is additional insurance that protects your own car. More on insurance prices: Car insurance — how to save.
CASCO Prices by Insurer 2026 — Comparison of 6 LT Companies
Indicative annual full CASCO prices for a VW Golf VIII (2022, value ~24,000 EUR, driver 35, 10+ years of experience, 300 EUR deductible, Vilnius). Prices are based on WHEELSTREET's 2026 internal comparison of 6 LT insurers' quotes:
| Insurer | Full CASCO (€/mo.) | Mini CASCO (€/mo.) | Advantages |
|---|---|---|---|
| BTA | ~610 | ~360 | Cheapest for economy class, telematics discount |
| If draudimas | ~640 | ~380 | Pay-per-km CASCO, good drivers get up to −20 % |
| Gjensidige | ~630 | ~370 | Micro CASCO 3 months, fast claims handling |
| ERGO | ~660 | ~390 | EV CASCO with battery, wide service network |
| Compensa | ~650 | ~385 | Family CASCO (2+ cars −10–15 %), flexible packages |
| Lietuvos draudimas | ~690 | ~410 | Largest service network, EV with battery |
* The difference between the cheapest (BTA) and most expensive (Lietuvos draudimas) quote is about 80 EUR/year, or 400 EUR over a 5-year lease. Prices are based on WHEELSTREET's indicative internal analysis. You'll find a detailed 5-model × 5-insurer price comparison in the article CASCO insurance prices 2026.
How the Calculator Estimates the CASCO Price
The WHEELSTREET CASCO calculator methodology is based on the public 2026 rates of 6 LT insurers and an internal comparative analysis of quotes. The calculation is performed using the following formula:
× Make coefficient (Toyota 0.9 — BMW 1.4 — Mercedes 1.45)
× Age coefficient (1–3 yrs = 0.95 — 8+ yrs = 1.2)
× City coefficient (Vilnius 1.1 — province 0.9)
× Driver age coefficient (<25 yrs = 1.3–1.5 — 30–55 yrs = 1.0)
× Deductible coefficient (150 € = 1.0 — 500 € = 0.82 — 1,000 € = 0.75)
× Bonus-malus discount (5 yrs no claims = −20 % up to −40 %)
Example: VW Golf VIII (24,000 EUR, 2022) — 3.0 % × 1.0 × 0.95 × 1.1 × 1.0 × 0.90 (300 EUR deductible) × 0.85 (5 yrs no claims) = ~575 EUR/year. This result is indicative; the final price is set by a specific insurer after a detailed questionnaire is completed (e.g. car VIN check, claims history check against the Lithuanian insurers' association database).
Important: the calculator result is presented as a price range (e.g. 540–680 EUR/mo.), reflecting the difference among the 6 insurers. After filling in the contact form, you'll receive specific quotes from 3–5 insurers within 1 business day.
Special Cases — Leasing, Old Car, Electric Vehicle
Leased car (full CASCO mandatory)
All Lithuanian leasing providers (Swedbank, SEB, Citadele, LHV, Inbank, General Financing) require full CASCO for the entire lease period. The beneficiary is the leasing company, and the insured sum must match the residual value. Over a 5-year lease, CASCO can amount to 1,500–7,500 EUR in additional costs — so be sure to estimate this amount before signing the contract using the leasing calculator.
Old car (10+ years, value up to 5,000 EUR)
Traditional cars over 10 years old and worth less than 5,000 EUR — full CASCO often doesn't pay off, since the annual premium can amount to 10–15 % of the car's value. A better solution: keep MTPL + build a 2,000–3,000 EUR emergency fund. However, for rarer models (Toyota Land Cruiser, Mercedes G-Class, Porsche 911) the Mini CASCO option (theft + total loss only) may be rational — it costs 30–50 % less than a full policy.
Electric vehicle (EV) — 12–20 % more expensive CASCO
In 2026, EV CASCO is on average 12–20 % more expensive than a petrol car of equivalent value, due to costlier battery repairs. Tesla Model 3 (35,000 EUR) — ~700–950 EUR/mo., BYD Atto 3 (32,000 EUR) — ~620–820 EUR/mo. Lietuvos Draudimas and ERGO offer a specialized “EV CASCO with battery” option — standard policies often don't cover this risk. Some insurers (If, Compensa) also apply a 5–10 % discount for low-emission cars (up to 120 g/km CO2).
Car imported from Germany / the Netherlands
If the car has just been imported and registered in Lithuania, most insurers require: 1) a valid LT registration certificate, 2) a completed technical inspection, 3) a VIN check. The CASCO price usually doesn't differ from a car bought in LT, but in the first year no bonus-malus discount applies — it takes 2–3 years to reach the maximum discount. Additionally, for premium models (BMW, Audi, Mercedes) insurers may require an additional GPS tracking system. See car delivery from the EU about the process.
Premium makes — BMW, Audi, Mercedes
Premium-make CASCO is 30–50 % more expensive than for standard cars, due to costlier spare parts, specialized repairs and higher theft risk. BMW 3 Series (35,000 EUR) — ~980–1,120 EUR/mo. You'll find a detailed BMW ownership cost calculation (CASCO + service + parts + fuel) in the article how much it costs to own a BMW per year.
6 Ways to Reduce the CASCO Price
Choose a higher deductible
Raising the deductible from 150 EUR to 300-500 EUR can lower the annual CASCO premium by 15-25 %. If you rarely have incidents, this is a great way to save.
Install security systems
GPS tracking, an alarm, an immobilizer — insurers apply discounts of up to 10-15 % for additional security measures.
Pay the annual premium upfront
Many insurers apply a 5-10 % discount if you pay the full annual premium at once rather than in monthly or quarterly installments.
Compare quotes from several insurers
Prices between insurers can differ by up to 40 %. Use comparison platforms or contact 3-5 insurers directly.
Drop unnecessary additional risks
Roadside assistance, tire insurance, passenger belongings insurance — if these aren't relevant to you, drop them and save 5-15 %.
Build up your bonus-malus discount
Every year without a claim increases your discount. After 3 claim-free years the discount can reach 20-30 %, after 5 years — up to 40 %.
Frequently asked questions about CASCO insurance
How much does CASCO insurance cost in 2026?
In 2026 the CASCO insurance price ranges from 200 EUR to 1,500 EUR per year, depending on the car's make, value, age, driver experience and city. The average price in Lithuania is about 350-500 EUR/year for newer cars.
Is CASCO insurance mandatory?
CASCO insurance is not mandatory by law — only TPL (third-party motor liability insurance) is mandatory. However, if a car is acquired through leasing, CASCO becomes mandatory for the entire contract period, because the car is the bank's property.
What is the difference between CASCO and TPL insurance?
TPL (third-party) insurance covers only damage to another car/person that you caused. CASCO covers damage to your own car — accidents, theft, vandalism, natural disaster damage. TPL costs ~60-120 EUR/year, CASCO — 200-1,500 EUR/year.
How can I reduce the CASCO insurance price?
6 ways to reduce the CASCO price: 1) Choose a higher deductible (e.g. 300 EUR instead of 150 EUR), 2) Install security systems (GPS, alarm), 3) Pay for the year upfront, 4) Compare quotes from several insurers, 5) Drop unnecessary additional risks, 6) Build up a no-claims bonus system.
Is it worth insuring an old car with CASCO?
If the car is worth less than 3,000 EUR, CASCO insurance may not pay off — the annual premium can reach 10-15 % of the car's value. In that case it's better to keep only TPL insurance and build an emergency fund. If the car is worth 5,000+ EUR — CASCO is recommended.
What does CASCO insurance cover?
Standard CASCO covers: accidents (including those that are your fault), theft, vandalism, natural disaster damage, glass breakage, fire, collisions with animals. Additionally you can insure: passengers' belongings, a replacement rental car, legal protection and roadside assistance.
Is there a CASCO calculator by model?
Yes — the WHEELSTREET CASCO insurance calculator calculates the price by specific make and model. Enter the car's make (Toyota, BMW, Audi, VW, Mercedes, etc.), model, year of manufacture, value and engine power — the calculator automatically applies rates that differ between makes by up to 50 %. For example, a BMW 320d from 2020 will cost ~600 EUR/yr in CASCO, while a Toyota Corolla from 2020 — only ~340 EUR/yr.
How much does CASCO insurance cost by car model?
Average annual CASCO prices in 2026 by model (driver 30+, 5+ years of experience): VW Golf — 280–480 EUR, Toyota Corolla — 260–420 EUR, Skoda Octavia — 280–460 EUR, BMW 3 Series — 450–780 EUR, Audi A4 — 380–650 EUR, Mercedes C-Class — 480–820 EUR, Tesla Model 3 — 520–900 EUR (due to expensive repairs). The exact price depends on the car's value, city and claims history.
Which insurer is cheapest for CASCO in Lithuania in 2026?
In 2026, according to WHEELSTREET's internal comparative analysis of 6 LT insurers, the cheapest CASCO prices for popular models: BTA (~270–450 EUR/yr for a Toyota Corolla worth 18,000 EUR), If draudimas (~280–470 EUR/yr). Mid-range — Gjensidige, ERGO (~290–490 EUR/yr). Most expensive — Lietuvos draudimas (~310–520 EUR/yr) and Compensa for the premium segment. The difference between the cheapest and most expensive quote for the same car is up to 200 EUR/year, so comparing 3–5 quotes is essential.
How much does CASCO cost without a deductible?
CASCO without a deductible (0 EUR deductible) in 2026 costs 20–35 % more than a standard policy with a 300 EUR deductible. E.g., a VW Golf VIII (24,000 EUR) standard CASCO — ~640 EUR/yr, while without a deductible — ~830–870 EUR/yr. This option is mostly offered by If, ERGO and Lietuvos draudimas. CASCO without a deductible only pays off if you frequently have minor accidents or your lease contract requires it. For most drivers it's statistically more beneficial to choose a 300–500 EUR deductible and save 150–250 EUR per year.
What is the difference between CASCO and MTPL insurance?
MTPL (motor third-party liability) is mandatory insurance that covers only damage to another person or vehicle caused in an accident that is your fault. The annual MTPL price is 60–200 EUR. CASCO is voluntary (except with leasing) and covers damage to your own car: accidents (even your fault), theft, vandalism, natural disaster damage, glass breakage. Annual CASCO — 260–1,500 EUR. In short: MTPL protects others from you, CASCO protects you from everything.
Is it worth insuring an old car (10+ years) with CASCO?
For traditional cars over 10 years old and worth less than 5,000 EUR — CASCO usually doesn't pay off, since the annual premium can reach 10–15 % of the car's value. In that case it's better to keep MTPL + build a 2,000–3,000 EUR emergency fund. However, if it's a rarer model (Toyota Land Cruiser, Mercedes G-Class, Porsche 911) whose market value doesn't drop — a Mini CASCO option (theft + total loss only) can be rational, as it costs 30–50 % less than a full policy.
Is CASCO required if the car is bought through leasing?
Yes — all Lithuanian leasing providers (Swedbank, SEB, Citadele, LHV, Inbank, General Financing) require full CASCO for the entire lease period. The beneficiary must be the leasing company, and the insured sum must match the car's residual value. Tip: before signing the lease contract, use the WHEELSTREET CASCO calculator and estimate the CASCO sum over 3–5 years — it can add up to 1,500–7,500 EUR in costs.
How does the calculator determine the indicative CASCO price?
The WHEELSTREET CASCO calculator methodology: base rate (2.5–4 % of car value) × make coefficient (Toyota 0.9 — BMW 1.4) × age coefficient (1–3 yrs = 0.95; 8+ yrs = 1.2) × city coefficient (Vilnius 1.1; province 0.9) × driver age coefficient (under 25 = 1.3–1.5) × deductible coefficient (150 EUR = 1.0; 500 EUR = 0.82). The calculation is based on WHEELSTREET's 2026 internal analysis of 6 LT insurers' quotes (If, BTA, ERGO, Compensa, Lietuvos draudimas, Gjensidige) — prices are indicative; the final price is set by the insurer after a detailed questionnaire is completed.
How much does CASCO cost for an electric vehicle (EV) in 2026?
In 2026, EV CASCO in Lithuania is on average 12–20 % more expensive than a petrol car of equivalent value, due to costlier battery repairs. E.g., Tesla Model 3 (35,000 EUR) — ~700–950 EUR/mo., BYD Atto 3 (32,000 EUR) — ~620–820 EUR/mo., VW ID.4 (38,000 EUR) — ~750–980 EUR/mo. Lietuvos Draudimas and ERGO offer a specialized “EV CASCO with battery” option that also covers battery damage (standard policies often exclude this risk). Some insurers (If, Compensa) also apply a 5–10 % discount for low-emission cars (up to 120 g/km CO2).
How long until I get a quote after filling in the calculator?
After completing the WHEELSTREET CASCO calculator and leaving your contacts, an insurance specialist will get in touch within 1 business day (usually within 2–4 hours during business hours). The final policy is prepared within 1–3 business days, depending on the insurer. For urgent cases (e.g. buying a car today) — we can prepare a policy within 2–4 hours. Call +370 610 33377 or fill in the form at the bottom of the page.
Do I need to enter the VIN to get a CASCO price?
No — the WHEELSTREET CASCO calculator doesn't need a VIN. It's enough to enter the make, model, year of manufacture and approximate value (€). The calculator will show indicative prices from 6 LT insurers in 30 sec. The VIN is only needed to register the final policy — this is done by the insurance specialist once you choose your preferred insurer.
Can I calculate CASCO without a call and without email?
Yes — the WHEELSTREET CASCO calculator shows indicative prices from 6 LT insurers right on screen, without any registration, call or email. You leave your contacts only if you want the final policy (then a specialist gets in touch within 1 business day). The calculator itself is 100 % anonymous and free.
How do CASCO prices differ between Vilnius and other LT cities?
CASCO prices differ by up to 20 % depending on the region. In Vilnius (highest traffic intensity + theft risk) prices are most expensive — coefficient 1.10. In Kaunas and Klaipeda — 1.05. In Siauliai, Panevezys — 1.00 (base). In the province (Marijampole, Utena, Telsiai) — coefficient 0.90, often 50–120 EUR/yr cheaper than in Vilnius. E.g., a VW Golf 2020 (18,000 EUR) — in Vilnius ~480 EUR/yr, in the province ~410 EUR/yr. The address where the car is registered is a key price factor.
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