Insurance companies rating 2026: how to choose a reliable car insurance for your car?

MTPL insurance is mandatory in Ukraine. Therefore, drivers need to choose a reliable insurer for long-term and safe cooperation. Find out more about who is the leader of the Ukrainian car insurance market and where it is profitable to take out a policy

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All car owners eventually face the challenge of choosing reliable auto liability insurance. The insurance market continues to evolve even amid the war, and Ukrainians are becoming increasingly knowledgeable about protecting their vehicles. What are the main trends in the auto liability insurance market, and which companies have emerged as the top insurance leaders? We’ll cover this in today’s article.

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Which insurance companies are leading in payouts?

In 2025, several companies that have established themselves as reliable and customer-focused led the MTPL market. Among them, the TAS Insurance Group stands out, ranking first in terms of premiums collected and payouts made.

In addition to TAS, NASK ORANTA and Knyazha became leaders in MTPL payouts and in the number of settled traffic accident claims.

Top Largest Insurers by Payouts as of 2025:

1. TAS Insurance Group – 4,284,552 UAH;

2. ORANTA – 3,120,511 UAH;

3. KNYAZHA – 2,542,706,018 UAH;

4. Arsenal Insurance – 1,309,384 UAH;

5. INGO – 1,241,278 UAH;

6. USG – 1,212,130 UAH;

7. EUROINS Ukraine – 1,189,606 UAH;

8. PZU – 1,179,635 UAH;

9. VUSO – 1,178,148 UAH;

10. ARKS – 931,250 UAH;

11. UNIKA – 928,654 UAH;

12. GARDIAN – 567,779 UAH;

13. Insurance Company “PERSHA” – 536,234 UAH;

14. KRAINA – 528,490 UAH.

About new rules for drivers in 2026 — read more at the link.

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Changes in the MTPL Market

The MTPL and Green Card international insurance market has undergone significant changes since 2025 following the adoption of a new law. It has altered the approach to claims payments and the protection of drivers’ interests in Ukraine.

Read also: Car body. What do the letters on the registration certificate actually mean?

Direct settlement of claims

The new law stipulates that victims of traffic accidents will no longer have to contact the at-fault party’s insurance company. Payments will be made by the victim’s insurance company, which significantly simplifies the process and speeds up the receipt of compensation. This provision applies only if the accident involves two parties, only vehicles are damaged, and the victim has a valid MTPL policy.

This change will improve the lives of car owners and encourage them to be more careful when choosing an insurance company, since that company will be responsible for the quality and speed of claims settlement and assistance with vehicle repairs.

How to choose a license plate for your car during registration — we covered this in a previous article.

Payments without Depreciation

Compensation for vehicle damage will now be calculated without accounting for the depreciation of parts. In other words, the compensation amount will increase, ensuring the replacement of damaged parts without additional costs to the owner. For cars up to 5 years old, insurers will consider the cost of new parts recommended by the manufacturer. For older cars, compensation will include the cost of parts that meet the car’s technical specifications and are equivalent to the original ones.

Payment Directly to the Service Center

Insurance companies can now make payments directly to the service center chosen by the car owner from the list available on the website. This way, the driver won’t have to worry about the payment amount, finding parts, or the duration of repairs. The insurance company will handle all these details.

What amount of pension contribution must be paid for the first registration of a car in 2026 — we explain here.

No limits under the Europrotocol

Payments under the Europrotocol will no longer be limited by fixed caps. Compensation will cover all vehicle repair costs within the insured amount, freeing drivers from unnecessary expenses. To file a Europrotocol claim, the accident must meet several conditions: only two parties with MTPL policies, only vehicles damaged, drivers agree on the circumstances of the accident, are sober, and the accident is a contact accident.

A new requirement is that the accident must involve contact—the report cannot be filed if the accident occurred due to a maneuver without a collision, such as veering into a ditch. The NBU has the right to set payment limits, but in their absence, compensation will be provided within the limits of the current insurance coverage.

No deductibles

The new insurance rules eliminate the need for partial reimbursement of damages under a deductible. From now on, the insurance company fully covers all expenses, relieving victims of unnecessary financial burdens. The car owner receives a fully repaired vehicle as quickly as possible, which significantly simplifies life and increases trust in insurance services.

How to get the best deal on auto liability insurance?

If you’re looking for a quick and convenient way to get auto liability insurance for your vehicle, Visit Ukraine offers the best terms for selecting and purchasing an insurance policy. Our service allows you to get insurance from leading companies, including TAS, ensuring reliability and transparency.

Purchasing MTPL insurance on our website is an intuitive process that takes just a few minutes.

To purchase a policy, you need to:

1. Click the “Order Policy” button;

2. Enter the vehicle’s license plate number (specify any discounts if applicable);

3. Select an offer from an insurance company and the policy start date;

4. Fill out the form with information about the vehicle and the policyholder;

5. Confirm the details and agree to the terms of the contract;

6. Pay for the policy and receive your digital insurance certificate via email.

If the system cannot find your vehicle, you can enter the information manually: vehicle type, engine displacement, and the owner’s place of registration.

Buying auto liability insurance on Visit Ukraine is not only convenient but also cost-effective. We work exclusively with trusted insurers, ensuring your peace of mind on the road.

Get your auto liability insurance now on Visit Ukraine and ensure your safety on the road!

Reminder! More and more offers are appearing online to obtain a driver’s license “officially” without training or exams. Attractive promises of quick results often hide fraudulent schemes that can cost you both money and personal data. How to avoid falling victim to scams and whether it’s actually possible to get a driver’s license without exams — find out by following the link.

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