Car Insurance in Lithuania 2026 — Guide for Foreigners (TPVCA & KASKO)

Quick answer

According to WHEELSTREET data, foreigners in Lithuania pay €120-350/year for mandatory MTPL insurance and €400-1,500/year for full KASKO coverage. You need a Lithuanian residence permit or EU ID to purchase insurance, and most providers offer English-language service — Gjensidige, If, and Lietuvos Draudimas are the top choices.

If you are buying or owning a car in Lithuania, you need insurance. Lithuania has two main types: TPVCA (mandatory third-party liability) and KASKO (voluntary comprehensive coverage). This guide explains both, compares providers, breaks down costs, and walks you through the process as a foreign buyer.

The short version: TPVCA is required by law and costs 40-200 EUR/year. KASKO is optional but highly recommended for vehicles worth over 5,000 EUR, costing 3-5% of the car's value annually.

The Two Types of Car Insurance in Lithuania

TPVCA — Mandatory Third-Party Liability

TPVCA (Transporto priemoniu valdytoju civilines atsakomybes privalomasis draudimas) is the Lithuanian equivalent of third-party car insurance. It is mandatory by law for every registered vehicle.

What TPVCA covers:

• Damage you cause to other vehicles, property, and people in an accident
• Medical expenses of injured parties
• Coverage across the entire EU and EEA (Green Card system)

What TPVCA does NOT cover:

• Damage to your own car
• Theft of your vehicle
• Natural disasters (hail, flooding)
• Vandalism
• Windscreen damage

Coverage limits (2026):

These limits are set by EU regulation and are the same across all Lithuanian insurers.

KASKO — Voluntary Comprehensive Insurance

KASKO is comprehensive coverage that protects your own vehicle. It is not legally required, but banks and leasing companies always require it for financed vehicles.

What KASKO covers:

• Collision damage (your fault or not)
• Theft (full or partial)
• Vandalism
• Natural events (hail, storm, flooding)
• Fire
• Falling objects (trees, ice)
• Animal collisions
• Windscreen and glass damage
• Roadside assistance (most policies)

KASKO deductibles (typical):

Higher deductibles lower your premium significantly. For a car worth 15,000 EUR, choosing a 300 EUR deductible can save 80-120 EUR/year.

How Much Does Car Insurance Cost in Lithuania?

TPVCA Costs (2026)

TPVCA pricing depends on the driver's age, experience, claims history, and the vehicle's engine power.

Key for foreigners: Without a Lithuanian claims history, you start at a neutral rate. Some insurers accept a no-claims certificate from your home country — ask before buying.

KASKO Costs (2026)

KASKO costs are calculated as a percentage of the vehicle's market value:

Factors that increase KASKO cost:

• Vehicle age under 3 years (+10-20%)
• High-theft models (BMW, Audi, Mercedes) (+15-25%)
• Driver under 25 years (+20-40%)
• No Lithuanian driving history (+10-15%)
• Zero deductible (+15-30%)

Factors that decrease KASKO cost:

• Higher deductible (-15-30%)
• Anti-theft system installed (-5-10%)
• Garage parking (-5-10%)
• Long-term customer (-5-15%)
• Low annual mileage (-5-10%)

Insurance Providers in Lithuania

Major Insurers (2026)

Best for foreigners: IF Draudimas and ERGO have the best English-language support and are most accustomed to serving foreign clients.

Price Comparison Tools

• draudimas.lt — Compare TPVCA prices from all Lithuanian insurers in one place
• kasko.lt — Compare KASKO offers
• WHEELSTREET — Arranges insurance as part of the purchase process

How to Buy Car Insurance as a Foreigner

Step 1: Gather Your Documents

You will need:

• Valid passport or EU ID card
• Vehicle registration certificate (Lithuanian or foreign)
• VIN number of the vehicle
• Lithuanian personal code (asmens kodas) — if you have a residence permit
• Driving licence — Lithuanian, EU, or international
• No-claims certificate from your home insurer (optional, but can reduce cost)

Step 2: Get Quotes

Online (fastest):

1. Visit draudimas.lt or individual insurer websites
2. Enter vehicle details (make, model, year, engine power, VIN)
3. Enter driver details (age, experience, claims history)
4. Compare prices and coverage

Through WHEELSTREET: If you are buying a car through WHEELSTREET, insurance is arranged as part of the process. We get quotes from 3-5 insurers and recommend the best option.

In person: Visit any insurer's office with your documents. The main offices in Vilnius and Kaunas have English-speaking staff.

Step 3: Purchase the Policy

Most insurers offer online purchase with card payment. The policy is active immediately after payment. You receive:

• E-policy (PDF) sent to your email
• Green Card (for international travel) — included automatically
• Policy number — register this with the vehicle

Step 4: Register Insurance with Regitra

Your insurer automatically reports the policy to Regitra (the Lithuanian transport authority). This usually takes 1-2 business days. You can verify at regitra.lt by entering your vehicle's plate number.

TPVCA: What Every Foreign Driver Must Know

Is My Home Country Insurance Valid in Lithuania?

EU/EEA insurance: Yes. Your existing TPVCA from any EU/EEA country is valid in Lithuania. The Green Card system ensures mutual recognition. You do NOT need Lithuanian TPVCA if your vehicle is registered and insured in another EU country.

Non-EU insurance: Check if your country is part of the Green Card system. If yes, your insurance is valid. If not, you need to purchase border insurance upon entering Lithuania.

When Do You Need Lithuanian TPVCA?

You need Lithuanian TPVCA when:

• You register a vehicle in Lithuania (mandatory within 30 days of purchase)
• You import a vehicle and register it with Lithuanian plates
• You buy a vehicle from a Lithuanian seller and plan to keep Lithuanian registration

What Happens If You Drive Without TPVCA?

• Fine: 200-600 EUR for driving without valid TPVCA
• Vehicle can be impounded until insurance is obtained
• Personal liability for all damages caused in an accident (no coverage limit)
• Points on your Lithuanian driving record (if applicable)

Lithuanian police regularly check insurance status through automatic plate recognition cameras.

KASKO: When Is It Worth It?

Always get KASKO if:

• Your car is worth more than 5,000 EUR
• You have a car loan or lease (it is mandatory)
• You park on the street (theft and vandalism risk)
• You are a new or young driver (higher accident probability)
• The car is your primary means of transport (you cannot afford to lose it)

You can skip KASKO if:

• Your car is worth less than 3,000 EUR (annual KASKO may cost 10%+ of car value)
• You have savings to cover a total loss
• The car is a second vehicle you can live without
• You park in a secured garage and drive very little

KASKO Cost-Benefit Example

Scenario: You buy a Toyota RAV4 2019 worth 18,500 EUR in Lithuania.

For a vehicle worth 18,500 EUR, paying 650 EUR/year for KASKO is sensible insurance against losses that could reach 18,500 EUR.

Making a Claim: Step by Step

After an Accident

1. Ensure safety — move vehicles if possible, turn on hazard lights
2. Call 112 if there are injuries or significant damage
3. Exchange information with the other driver — name, insurance company, policy number, plate number
4. Fill out the European Accident Statement (available in your car or from your insurer)
5. Take photos — all damage, all vehicles involved, the road, and surrounding area
6. Report to your insurer within 3 business days — most accept online or phone reports
7. Get a damage estimate — your insurer will direct you to an approved repair shop or independent assessor

For Theft

1. Report to police immediately — call 112 or visit the nearest police station
2. Get a police report number
3. Report to your KASKO insurer within 24 hours
4. Provide all keys and documents — insurers may reduce payout if you cannot provide all original keys

Claim Processing Times

Special Situations for Foreign Buyers

Buying a Car and Driving Home

If you buy a car in Lithuania and drive it to your home country:

1. Get TPVCA immediately — you cannot legally drive without it
2. Transit insurance is available for 15-30 days (cost: 30-60 EUR) if you plan to re-register in your home country
3. The Green Card ensures your Lithuanian TPVCA covers you across all EU countries during transit
4. Re-register and re-insure in your home country within the required timeframe (usually 30-90 days)

Keeping Lithuanian Registration from Abroad

If you live in another EU country but keep your car on Lithuanian plates:

• Lithuanian TPVCA remains valid across the EU
• You must renew with a Lithuanian insurer annually
• Most insurers offer online renewal — no need to visit Lithuania
• Check your home country rules — some require re-registration after 6-12 months

Importing a Car to Lithuania

If you are moving to Lithuania and bringing your car:

1. Your home insurance remains valid until you register in Lithuania
2. After Lithuanian registration (within 30 days of establishing residence), you need Lithuanian TPVCA
3. No-claims bonus — ask your current insurer for a no-claims certificate. Lithuanian insurers often recognise EU driving history, which can reduce your premium by 20-50%.

Tips to Save on Car Insurance in Lithuania

1. Compare every year — do not auto-renew. Prices change, and switching can save 20-30%
2. Bundle TPVCA + KASKO with the same insurer — discounts of 5-15%
3. Choose a higher deductible — 300-500 EUR deductible reduces KASKO by 15-30%
4. Install an anti-theft system — GPS tracker or immobilizer can reduce KASKO by 5-10%
5. Provide a no-claims certificate from your home country
6. Pay annually — monthly payment plans often include a 5-10% surcharge
7. Ask about group discounts — some employers and associations negotiate group rates
8. Low mileage discount — if you drive under 10,000 km/year, ask for a reduced rate

Related Guides

• Buy a Used Car in Lithuania — Complete Guide for Foreigners
• Best Used Cars Under 15,000 EUR in Europe
• Car Registration in Lithuania
• VIN Check Guide — How to Verify Vehicle History
• KASKO Insurance — Prices and Tips
• How to Save on Car Insurance

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