Quick answer
According to WHEELSTREET data, mandatory MTPL insurance in Lithuania costs €80-250/year depending on your car and driving history, while full KASKO coverage ranges from €300-1,200/year. For cars worth over €10,000, KASKO typically pays for itself within one claim, covering theft, weather damage, and collisions.
If you're buying a car in Lithuania, you need to understand the insurance system. There are two types: TPVCA (mandatory liability — required by law) and KASKO (comprehensive — optional but highly recommended).
TPVCA — Mandatory Insurance
TPVCA is required for every vehicle in Lithuania. It covers damage you cause to others in an accident.
| Detail | Info |
|---|---|
| Required? | YES — for all vehicles |
| Covers | Damage to others (not your car) |
| Cost | €35–200/year |
| Fine without | €60–300 |
KASKO — Comprehensive Insurance
KASKO covers damage to your car: accidents, theft, vandalism, natural disasters.
| Car Value | Mini KASKO | Full KASKO |
|---|---|---|
| €5,000 | €150–250 | €250–400 |
| €10,000 | €300–450 | €450–700 |
| €20,000 | €500–800 | €800–1,200 |
| €40,000 | €900–1,400 | €1,400–2,200 |
Note: KASKO is mandatory when buying a car on lease.
Insurance Companies Comparison
| Company | TPVCA from | KASKO from (€20k car) | Rating |
|---|---|---|---|
| Lietuvos draudimas | €38 | ~€550 | Largest network |
| If draudimas | €35 | ~€520 | Best digital service |
| Compensa | €33 | ~€480 | Cheapest prices |
| BTA | €36 | ~€500 | Good loyalty discounts |
| ERGO | €40 | ~€530 | International coverage |
How to Save on Car Insurance
- Compare 3–5 quotes — prices can differ 30–40%
- Choose higher deductible — saves 15–20% on KASKO
- Pay annually — discounts up to 10%
- Install security — alarm/GPS saves 5–10% on KASKO
- Use draudimas.lt — compares all companies at once
FAQ
Is car insurance mandatory in Lithuania?
TPVCA (liability insurance) — YES, it's mandatory. KASKO (comprehensive) — NO, but required for leased vehicles.
How much does car insurance cost in Lithuania?
TPVCA: €35–200/year. KASKO: €250–3,000/year depending on car value. Total: €300–3,200/year.
Can foreigners buy car insurance in Lithuania?
Yes — both TPVCA and KASKO are available to anyone with a valid ID and a car registered in Lithuania.
Need help finding the best insurance? Contact WHEELSTREET — we compare all partners' prices. ☎ +370 610 33377
