Car Insurance in Lithuania 2026 — KASKO & TP: Prices, Comparison

Quick Answer

In 2026, mandatory TP (third-party liability) insurance in Lithuania costs from 35 EUR/year, KASKO from 250 EUR/year, and mini KASKO from 120 EUR/year. Prices depend on the car's value, make, your age, driving experience and place of residence. Insurance in Vilnius is on average 15-25% more expensive than in smaller cities. The cheapest way to insure is online, comparing quotes from several companies — the difference between the most and least expensive can reach 40-60%.

Insurance Types: TP vs KASKO vs Mini KASKO

Quick Comparison

TP (Third-Party Liability) Insurance

Mandatory for every registered vehicle in Lithuania. TP insurance covers damage that you cause to other people's cars, property or health. TP does not cover your own car's repairs — only third-party losses.

How much does it cover? Per EU directive:

• Property damage: up to 1,220,000 EUR
• Personal injury: up to 6,070,000 EUR

Fines without TP:

• First offense: 40-90 EUR
• Repeat: 200-600 EUR
• Your car may be towed to an impound lot

KASKO (Comprehensive Insurance)

KASKO covers damage to your car — regardless of who is at fault. This includes:

• Traffic accidents (your fault or not)
• Theft
• Vandalism
• Natural disasters (hail, flood, falling tree)
• Fire
• Collision with an animal
• Windshield damage

KASKO is especially recommended if your car is worth more than 8,000-10,000 EUR or if it was purchased on a lease (often mandatory). Read more about KASKO details in our KASKO insurance guide.

Mini KASKO

Mini KASKO is a compromise between TP and full KASKO. It typically covers:

• Theft
• Fire
• Natural disasters
• Damage caused by third parties (e.g., in a parking lot)
• Collision with an animal

Does not cover: your fault in traffic accidents, mechanical breakdowns.

Mini KASKO suits used cars (5-15 years old) worth 3,000-10,000 EUR — full KASKO is too expensive, but basic TP doesn't provide enough protection.

Insurance Prices 2026 by Type

TP Prices by Driver Profile

KASKO Prices by Make and Value

2026 trend: Toyota and Kia have the lowest KASKO percentage of value (2.0-3.1%) because they're rarely stolen and cheap to repair. BMW and Audi are the most expensive to insure due to costly parts and higher theft rates.

Mini KASKO Prices

Prices by City

Insurance companies apply different tariffs based on registration location — the probability of traffic accidents is higher in major cities.

Practical tip: if your car is registered in a rural area (e.g., at your parents' address) but you use it in Vilnius — the insurer may refuse to pay if an incident occurs outside the registered location. When insuring, specify the actual place of use.

Insurance Company Comparison 2026

TOP 6 Insurance Companies in Lithuania

What to Check Before Signing?

1. Deductible (excess) — how much will you pay out of pocket? Lower deductible = higher insurance price
2. Depreciation — is the car's value reduced annually? By what percentage?
3. Service choice — can you choose your own workshop, or only the insurer's partners?
4. Windshield coverage — is it included in KASKO, or is it extra?
5. Replacement vehicle — is one provided during repairs?
6. Travel insurance — does it apply abroad? In which countries?

How to Save on Car Insurance?

1. Compare Quotes from at Least 3-4 Companies

The difference between the cheapest and most expensive quote can reach 40-60%. Use insurance comparison portals:

• Draudimas.lt — automatic comparison
• Kasko.lt — KASKO calculator
• Kaina24.lt — general price portal

Or simply get quotes from 3-4 companies directly — it takes 15-20 minutes but can save you 100-300 EUR per year.

2. Get a Discount by Insuring Online

Most companies offer a 10-20% discount for purchasing insurance online — because no employee time is needed. BTA and If draudimas offer the largest online discounts.

3. Increase Your Deductible

Recommendation: if you have savings to cover minor accidents, choose a 300 EUR deductible — it's the optimal balance between price and protection.

4. Pay in Full, Not in Installments

Paying KASKO in installments (monthly or quarterly) often incurs a 5-15% surcharge. If your budget allows — pay in full and save.

5. Bundle Your Insurance

Insuring multiple cars with one company or adding home/travel insurance — you can get an additional 5-15% discount. Ask your insurer about package deals.

6. Build Up Claims-Free Years — Get a Bonus

Most insurers apply a bonus-malus system: every year without insurance claims, your KASKO price drops by 5-10%. After 5 claims-free years — you could be paying 30-40% less than the base price.

7. Consider Mini KASKO

If your car is worth 5,000-12,000 EUR, full KASKO may be disproportionate. Mini KASKO costs 40-60% less and still protects against theft, fire and natural disasters — the biggest financial risks.

Is KASKO Worth It?

When KASKO Pays Off

Formula: Is KASKO Worth It for Your Car?

If the annual KASKO price is less than 4% of the car's value — it's worth insuring.

Example:

• Car value: 15,000 EUR
• 4% of value: 600 EUR
• If KASKO costs up to 600 EUR/yr — it's worth it
• If KASKO costs 700+ EUR/yr — consider mini KASKO or a higher deductible

Calculate your car's insurance costs with our maintenance calculator.

Insurance When Buying a Used Car

What to Know Before Buying?

When buying a used car, insurance is one of the first steps — without TP, you cannot register the car or drive it.

Order of steps when buying:

1. Sign the purchase-sale contract
2. Buy TP insurance (can be done online in 5 min.)
3. Register the car at Regitra
4. Consider KASKO (especially if buying on a lease)

Insurance for Imported Cars

When importing a car from Germany or another EU country:

• Transit insurance — valid for 15-30 days, costs 30-60 EUR
• TP when buying through a broker — the broker usually arranges transit insurance
• KASKO from day one — if the car is expensive, it's worth insuring even before transport

Read more about the import process in our guide to importing from Germany.

Insurance and Vehicle History

Important: insurance companies check the car's history. If the vehicle was involved in a serious accident — KASKO price may be 20-40% higher or the company may refuse to insure. Always check the VIN history before buying.

2026 Trends

What's Changing in the Insurance Market?

1. Telematics (driving monitoring) — more companies are offering discounts for a telematics device or app that monitors driving style. Calm drivers can save 15-25%

2. Electric vehicle KASKO — EV insurance is still 20-40% more expensive than equivalent petrol/diesel cars due to the expensive battery. However, prices are gradually decreasing

3. Online-first insurance — BTA and other companies are investing in a fully digital process: insurance, claims registration and payouts — all through an app

4. Group insurance — some companies offer family discounts: 2+ cars on one policy with a 10-20% discount

Frequently Asked Questions

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