Car Insurance in Uzbekistan
Car insurance is becoming an increasingly relevant topic for every vehicle owner in Uzbekistan. With the country’s vehicle fleet exceeding 3 million units and the growing intensity of road traffic—especially in Tashkent and other major cities—the issue of protection against financial risks on the road has gained critical importance. Every day, more than 100 traffic accidents occur on the roads of the republic, making car insurance not just a formality but a necessary measure of financial security.
In 2025, Uzbekistan’s car insurance system underwent significant changes. As of July 1, new regulations came into force requiring mandatory civil liability insurance for foreign vehicles entering the country through its national borders. These changes affect not only local drivers but also anyone planning to enter Uzbekistan with a personal vehicle.
The modern car insurance market in Uzbekistan offers two main types of coverage: Mandatory Third-Party Liability Insurance (OSAGO) and Voluntary Comprehensive Car Insurance (KASKO). Each type has its own features, advantages, and areas of application. Understanding the differences between them, along with up-to-date knowledge of tariffs and conditions, helps vehicle owners make an informed decision when choosing the most suitable insurance option.
Experts at Euroasia Insurance, one of Uzbekistan’s leading insurance companies, note the growing popularity of online policy issuance. The digitalization of the insurance market allows clients to obtain a policy in just five minutes without leaving their home or office. This is especially relevant in today’s fast-paced lifestyle, where time is a valuable resource.
The car insurance system in the Republic of Uzbekistan is built on a two-tier protection model, where each level serves specific purposes and covers different risks. Understanding this system is critically important for every vehicle owner, as the right choice of insurance type can significantly affect the financial outcome of potential road incidents.
The first level is mandatory third-party liability insurance (OSAGO), which is a legal requirement for all vehicle owners. This type of insurance is designed to protect the interests of third parties who may suffer damages in a traffic accident caused by the insured driver. OSAGO does not cover damage to the insured’s own vehicle but provides compensation for harm caused to other participants of road traffic.
The second level includes voluntary types of car insurance, the most popular of which is comprehensive car insurance (KASKO). This type of coverage focuses on protecting the insured’s own vehicle from various risks, including damage or loss. KASKO may include protection against a wide range of risks—from traffic accidents and theft to natural disasters and acts of vandalism.
Uzbekistan’s car insurance system is regulated by the Ministry of Finance and the Agency for Capital Market Development. The main regulatory framework is the Law “On Insurance Activity” dated April 5, 2002, which establishes the legal foundation for the insurance market and protects the rights of insurance service consumers. As of now, there are 28 licensed insurance companies operating in the market, ensuring healthy competition and a wide range of options.
Modern trends in the development of car insurance in the republic are characterized by the active digitalization of processes. Most insurance companies offer online policy issuance, which significantly simplifies the procedure for obtaining insurance protection. The share of online car insurance sales in 2025 has more than doubled compared to the previous year.
Mandatory third-party liability insurance for vehicle owners (OSAGO or OSGOVTS) is the cornerstone of the car insurance system in Uzbekistan. This type of insurance provides financial protection for all road users and guarantees compensation for victims of road traffic accidents.
According to the current legislation of the Republic of Uzbekistan, every vehicle owner is required to have a valid OSAGO policy. This obligation applies to all types of motor vehicles: passenger and cargo cars, buses, motorcycles, tractors, and other self-propelled machines. The absence of an OSAGO policy leads to administrative liability and may result in serious financial consequences in the event of a road accident.
As of July 1, 2025, new requirements regarding foreign vehicles have come into effect. Now, mandatory civil liability insurance is required when crossing the state border of Uzbekistan. The policy is issued through the customs authorities’ information systems, and customs clearance for vehicles registered abroad is only carried out if a valid OSAGO policy is presented.
The OSAGO policy in Uzbekistan provides insurance coverage for a total amount of 40 million UZS, distributed as follows:
Compensation for damage caused to third-party property: up to 14 million UZS
Compensation for harm caused to the life and health of third parties: up to 26 million UZS
This allocation of insurance funds reflects the priority of protecting human life and health over material assets. In practice, the specified limits are sufficient to cover the majority of insurance cases that occur on the roads of Uzbekistan.
The tariffs for mandatory car insurance (OSAGO) in Uzbekistan are differentiated based on the type of vehicle and the region of registration. This system allows for consideration of differences in traffic intensity and accident rates across various regions of the country.
Type of Vehicle | Tashkent and Tashkent Region | Other Regions |
|---|---|---|
Passenger cars | 56,000 UZS (limited) / 168,000 UZS (unlimited) | 40,000 UZS (limited) / 120,000 UZS (unlimited) |
Cargo vehicles | 67,200 UZS (limited) / 201,600 UZS (unlimited) | 48,000 UZS (limited) / 144,000 UZS (unlimited) |
Buses and minibuses | 67,200 UZS (limited) / 201,600 UZS (unlimited) | 48,000 UZS (limited) / 144,000 UZS (unlimited) |
Motorcycles, tractors | 22,400 UZS (limited) / 67,200 UZS (unlimited) | 16,000 UZS (limited) / 48,000 UZS (unlimited) |
The difference between a “limited” and “unlimited” number of drivers is an important factor in pricing. A policy with a limited number of drivers requires specifying the individuals authorized to operate the vehicle. This reduces risk for the insurance company and, accordingly, lowers the cost of the policy.
Comprehensive car insurance (KASKO) is a voluntary type of insurance that provides extensive protection for the vehicle owner’s car against a wide range of risks. Unlike OSAGO, which protects third-party interests, KASKO is intended to compensate for damage to the policyholder’s own vehicle.
Road traffic accident statistics in Uzbekistan highlight the relevance of comprehensive car insurance. Over 100 accidents occur daily on the country’s roads, and the cost of repairs after a serious accident can range from $3,000 to $15,000 USD. Without insurance protection, these expenses fall entirely on the vehicle owner, creating significant financial stress.
KASKO is especially relevant for owners of new and expensive vehicles, as well as those who purchased their vehicle on credit. Many banks require KASKO as a mandatory condition for issuing car loans, ensuring the protection of the collateral.
Uzbekistan’s modern car insurance market offers a variety of KASKO programs tailored to meet the diverse needs and financial capacities of vehicle owners. Below are the key offerings from Euroasia Insurance:
LITE Program (starting from 1.3% of the vehicle’s value):
A basic protection level that includes compensation for total vehicle loss, damages from road accidents, protection against damage caused by natural disasters, and coverage even when the policyholder is at fault in an accident.
SMART Program (starting from 1.5% of the vehicle’s value):
Builds on the LITE plan with added features such as:
Civil liability insurance up to 10 million UZS
Accident insurance up to 15 million UZS
Windshield replacement without depreciation deduction
Compensation without the need for a police report
Taxi services during repair
Roadside assistance (tow truck service)
DELUXE Program (starting from 2.2% of the vehicle’s value):
A premium-level service package with enhanced features:
Civil liability insurance up to 20 million UZS
Accident insurance up to 25 million UZS
“Sober driver” service
24/7 technical roadside assistance
Euroasia Insurance demonstrates a 99.7% claims payout rate, which is one of the highest in the market and a testament to the company’s reliability and customer-focused service.
Choosing an insurance company is one of the most important decisions when arranging car insurance. The reliability and professionalism of the insurer affect not only the quality of service but also the guarantee of receiving payouts in the event of an insured incident.
Financial stability and reputation are top priorities when selecting an insurer. It is important to review the company’s financial indicators, its ratings from independent agencies, and its track record in the market. Companies with a long history of successful operations typically demonstrate greater stability and reliability.
The speed and quality of claim settlement are critical indicators. Attention should be paid to the average time it takes to review claims, the percentage of approved claims, and whether the company has its own network of partner repair shops. The quality of customer service includes the availability of consultations, the ease of submitting claims, and the presence of 24/7 support.
Modern insurance companies are actively implementing digital technologies to improve the customer experience. The ability to issue policies online, mobile apps for policy management, and digital claims handling are becoming the standard across the industry.
The cost of car insurance in Uzbekistan is influenced by many factors and can vary significantly depending on each vehicle owner’s individual circumstances. Understanding the principles of pricing helps make an informed decision and optimize insurance-related expenses.
Vehicle characteristics play a key role in determining insurance costs. More expensive vehicles require higher insurance premiums due to the greater cost of repairs and spare parts. Vehicles with powerful engines may also be subject to higher rates because of increased risk.
Driver-specific factors include age, driving experience, and claim history. Young drivers and those with limited experience may face higher premiums. Regional differences reflect varying levels of road accident rates across different areas of the country.
Choosing an optimal deductible (franchise) can significantly reduce the cost of a KASKO policy. Installing anti-theft systems and other safety devices may entitle the owner to additional discounts. Claim-free driving is rewarded through a bonus-malus system, which offers discounts to drivers with no insurance claims.
The modern car insurance system in Uzbekistan is characterized by a number of significant advantages that make it more attractive and accessible for consumers. These benefits are the result of ongoing industry modernization and the adoption of advanced technologies.
One of the most important achievements in recent years has been the complete digitalization of the insurance policy issuance process. Modern insurance companies offer comprehensive online platforms that allow customers to access a full range of services without visiting an office. This includes insurance cost calculation, policy issuance, payment, and receipt of the electronic document.
Mobile applications from insurance providers offer additional features for policy management. Clients can monitor their policy’s expiration date, receive renewal reminders, file claims, and track claim status. This approach significantly enhances the convenience of using insurance services.
Competition in the insurance market motivates companies to continuously improve customer service. Today’s insurers offer 24/7 customer support, fast claim settlements, and transparent policy terms. Many have introduced online chat systems and video consultations, making it even easier for clients to receive assistance.
Special attention is paid to the speed of claim processing. Leading insurance providers, such as Euroasia Insurance, demonstrate high payout rates and minimal claim handling times. This builds customer trust and supports the overall development of the insurance market.
Modern car insurance programs offer significantly broader coverage compared to the basic products of previous years. Clients can choose from a variety of additional protection options, including accident insurance, roadside assistance, tow truck services, and more.
Innovative products, such as deductible-based programs and seasonal insurance, help clients optimize their insurance costs according to their personal needs. This makes insurance more accessible for various categories of vehicle owners.Процедура оформления автострахования
Современные технологии кардинально изменили процесс оформления автострахования, сделав его максимально простым и удобным для потребителей. Сегодня получить полис можно за несколько минут, не выходя из дома или офиса.
The online policy issuance process includes calculating the cost using an insurance calculator, filling out an application with vehicle and driver information, selecting the policy terms and duration, paying via popular payment systems such as Click or Payme, and receiving the electronic policy by email. The entire process takes no more than 5 minutes.
The electronic policy has the same legal force as a traditional paper document and is registered in the Unified Information System. This ensures quick access to insurance data for all relevant parties, including traffic police officers.
Car insurance in Uzbekistan is undergoing a period of active growth and modernization. The introduction of digital technologies, the expansion of insurance product lines, and improvements in service quality are making insurance more accessible and attractive to consumers.
Choosing the right insurance coverage ensures not only compliance with legal requirements, but also reliable financial protection against unexpected expenses. A combination of mandatory OSAGO and voluntary KASKO creates a comprehensive protection system that covers almost all risks associated with vehicle operation.
Euroasia Insurance offers innovative solutions that combine the reliability of traditional insurance with the convenience of digital services. High claim payout rates, quick policy issuance, and 24/7 customer support establish new quality standards in the industry.
If you have any questions about choosing the most suitable car insurance option, please contact the experts at Euroasia Insurance. Our specialists will help you choose the best protection program tailored to your needs and budget.
Euroasia Insurance Contact Information:
Phone: +998 (71) 202-00-02
Email: info@eai.uz
Website: https://eai.uz
Address: 43 Mustaqillik Street, Tashkent, Uzbekistan
Apply for your insurance policy online right now at eai.uz and ensure reliable protection for your vehicle. Use the convenient calculator to determine the cost and receive a personalized offer.
Is OSAGO mandatory in Uzbekistan?
Yes, under current legislation, every vehicle owner is required to have a valid OSAGO policy. Starting from July 1, 2025, this requirement also applies to foreign vehicles when crossing the border.
What is the difference between OSAGO and KASKO?
OSAGO is mandatory insurance that covers damage caused to third parties.
KASKO is voluntary insurance that protects your own vehicle from damage, theft, and other risks.
How much does OSAGO cost for a passenger car?
In Tashkent, the cost is 56,000 UZS for limited drivers and 168,000 UZS for unlimited.
In other regions, the tariffs are lower: 40,000 UZS and 120,000 UZS, respectively.
Can insurance be issued online?
Yes, the online process takes about 5 minutes and includes cost calculation, filling out the application, and payment via Click or Payme. The electronic policy holds the same legal value as the paper one.
In today’s business environment, corporate insurance is becoming an integral part of effective risk management. Every day, companies in Uzbekistan face various threats—from natural disasters to workplace injuries. A properly organized corporate insurance system not only protects a business’s financial interests but also ensures compliance with legal requirements.
Auto loans have become the main way of purchasing vehicles in Uzbekistan. However, the hidden costs of mandatory KASKO insurance can significantly increase the total cost of a loan. More than 15 banks across the country offer car loans with interest rates ranging from 16.99% to 31.5%, often requiring borrowers to purchase expensive KASKO policies from partner insurance companies.
How to Choose an Insurance Company in Uzbekistan: A Confidence Checklist
Purchasing a car in Uzbekistan automatically entails the obligation to obtain compulsory auto insurance. MTPL (Mandatory Third-Party Liability Insurance for Vehicle Owners) is not merely a formality but an essential financial safeguard that can save you hundreds of thousands of soms in the event of a traffic accident. According to the legislation of the Republic of Uzbekistan, every vehicle owner is required to have a valid MTPL policy, and driving without one is subject to significant fines.
