How much does car insurance cost in 2026? TPVCA — from EUR 45 to 120/year, KASKO — from EUR 200 to 1,500+/year, Mini KASKO — from EUR 80 to 250/year. Prices depend on the car's value, engine power, driver's age, and experience. In this article — precise price tables, a TOP 5 insurer comparison, and 7 ways to save up to 30%.
If you want to calculate the exact KASKO price for your car, use our KASKO calculator →. For a more in-depth look at KASKO insurance, read our KASKO insurance guide.
Insurance types: what does each cover?
| TPVCA | Mini KASKO | KASKO | |
|---|---|---|---|
| Mandatory? | Yes | No | No |
| What it covers | Third-party damage | Your car (partial) | Your car (full) |
| Theft | No | No (or partial) | Yes |
| Windshield damage | No | Yes | Yes |
| Natural disaster | No | Yes | Yes |
| Fire | No | Yes | Yes |
| Traffic accident (your fault) | No | No | Yes |
| Typical price | 45–120 EUR/yr | 80–250 EUR/yr | 200–1,500 EUR/yr |
Important: TPVCA is mandatory for every registered vehicle in Lithuania. Without it — a EUR 40–200 fine and personal liability for damages.
TPVCA prices 2026
TPVCA (third-party vehicle civil liability insurance) pricing depends on engine power, driver's age and experience, and place of residence.
TPVCA price table by engine power
| Engine power | Young driver (18–25 yr) | Experienced driver (30+ yr) |
|---|---|---|
| up to 66 kW (90 HP) | 65–90 EUR | 45–60 EUR |
| 67–100 kW (91–136 HP) | 80–110 EUR | 55–80 EUR |
| 101–150 kW (137–204 HP) | 95–140 EUR | 70–100 EUR |
| 150+ kW (204+ HP) | 120–180 EUR | 85–120 EUR |
What increases TPVCA price?
- Young age (under 25) — +30–50%
- Little experience (under 2 years) — +20–40%
- Traffic accidents in the last 3 years — +10–30% for each
- Powerful engine — higher base price
- Major cities (Vilnius, Kaunas) — +5–10% compared to regions
What reduces TPVCA price?
- Long claim-free driving record — bonus-malus discount up to 50%
- Annual upfront payment — 5–10% discount
- Multi-policy bundle — up to 15% discount
KASKO prices 2026
KASKO insurance pricing is directly linked to the car's market value. The approximate cost is 2–4% of the car's value per year.
KASKO price table by car value
| Car value | KASKO price/year (approx.) | With EUR 300 deductible | With EUR 500 deductible |
|---|---|---|---|
| 5,000 EUR | 200–300 EUR | 170–250 EUR | 140–220 EUR |
| 10,000 EUR | 350–500 EUR | 300–420 EUR | 260–380 EUR |
| 15,000 EUR | 450–700 EUR | 380–600 EUR | 330–550 EUR |
| 20,000 EUR | 550–900 EUR | 470–770 EUR | 420–700 EUR |
| 30,000 EUR | 750–1,200 EUR | 640–1,020 EUR | 570–940 EUR |
| 50,000+ EUR | 1,000–1,500+ EUR | 850–1,300 EUR | 750–1,200 EUR |
What increases KASKO price?
- Car brand: Premium (BMW, Mercedes, Audi) — +15–25% vs mainstream
- Car age: Newer cars have more expensive KASKO (because the car is worth more)
- Engine type: EVs — +10–20% (expensive battery repairs)
- Young driver: +20–40%
- City registration: Vilnius/Kaunas — +5–15%
What reduces KASKO price?
- Higher deductible — EUR 500 instead of 150 — saves 20–30%
- Alarm / GPS tracking — up to 10% discount
- Garage parking — 5–10% discount
- Claim-free experience — annual discount up to 30%
Calculate the exact KASKO price with our KASKO calculator →
Mini KASKO — the golden middle
Mini KASKO (or partial KASKO) is a popular choice for those who want more protection than TPVCA but don't want to pay for full KASKO.
What does Mini KASKO cover?
| Risk | Covered? |
|---|---|
| Windshield damage | Yes |
| Natural disaster (hail, storm) | Yes |
| Fire | Yes |
| Animal collision | Yes |
| Vandalism | Usually yes |
| Traffic accident (your fault) | No |
| Theft | Depends on insurer |
Mini KASKO prices
| Car value | Mini KASKO price/year |
|---|---|
| 5,000 EUR | 80–120 EUR |
| 10,000 EUR | 100–160 EUR |
| 15,000 EUR | 130–200 EUR |
| 20,000 EUR | 150–250 EUR |
Who do we recommend Mini KASKO for?
- Cars aged 5 to 15 years
- When full KASKO is too expensive relative to the car's value
- Experienced drivers whose main risks are weather and vandals
TOP 5 insurers in Lithuania — comparison
| Insurer | TPVCA from | KASKO from | Mini KASKO | Rating | Notes |
|---|---|---|---|---|---|
| Lietuvos Draudimas | 48 EUR | 220 EUR | 85 EUR | 4.1/5 | Largest network, most stable prices |
| ERGO | 45 EUR | 200 EUR | 80 EUR | 4.0/5 | Often the cheapest TPVCA |
| Gjensidige | 50 EUR | 230 EUR | 90 EUR | 4.2/5 | Best customer service |
| If | 52 EUR | 240 EUR | 95 EUR | 4.0/5 | Fastest claims processing |
| BTA | 46 EUR | 210 EUR | 82 EUR | 3.9/5 | Good bundle discounts |
Tip: Always get quotes from at least 3 different insurers. The price difference can reach 30–40% for the same coverage.
7 ways to save on car insurance
1. Choose a higher deductible
Increasing the KASKO deductible from EUR 150 to 500 saves 20–30% on the annual premium. This pays off if you have savings for unexpected expenses.
2. Pay annually upfront
Most insurers offer a 5–10% discount when paying for the full period at once rather than in instalments.
3. Bundle your policies
TPVCA + KASKO + property insurance from one provider — up to 15–20% bundle discount.
4. Install security systems
GPS tracking, alarm, garage parking — 5–15% KASKO discount.
5. Compare every year
Insurance prices change annually. Loyalty rarely pays off — new customer discounts are often bigger.
6. Use the bonus-malus system
Every claim-free year accumulates a discount. Over 5–10 years, you can reach a 50% discount on TPVCA.
7. Consider whether you need full KASKO
For cars worth less than EUR 5,000, full KASKO often doesn't make sense. Choose Mini KASKO instead and save the difference.
When to choose which insurance?
| Your situation | Recommended insurance |
|---|---|
| New car (0–3 yr) | TPVCA + full KASKO with low deductible |
| Used 3–7 years | TPVCA + KASKO with EUR 300–500 deductible |
| Used 7–15 years | TPVCA + Mini KASKO |
| Old (15+ years) | TPVCA only |
| Leasing / loan | TPVCA + full KASKO (required by contract) |
| Electric vehicle | TPVCA + KASKO (battery repair is very expensive) |
Calculate your insurance and leasing costs with our insurance calculator → and leasing calculator →.
Car insurance prices in Europe vs Lithuania
Lithuania's insurance prices are among the lowest in the EU:
| Country | Average KASKO price/year |
|---|---|
| Germany | 500–900 EUR |
| France | 600–1,000 EUR |
| Netherlands | 700–1,200 EUR |
| Lithuania | 200–500 EUR |
| Latvia | 250–550 EUR |
| Poland | 300–600 EUR |
This is one of the advantages of buying and registering a car in Lithuania — we wrote about this in our foreign buyer's guide.
Free consultation — we'll help you choose the right insurance and car — +370 610 33377 | Get a quote →