New Car Cost 2025 Uzbekistan: Customs Clearance + KASKO
Calculate the full cost of a new car in Uzbekistan 2025: customs clearance, recycling fees, VAT + KASKO insurance. Get 25% discount on all tariffs until Dec 31!
As the number of vehicles increases, so do the risks. Owning a vehicle in Uzbekistan is not only a convenience but also a great responsibility. Year after year, the population's prosperity grows, leading to a rapid increase in the number of vehicles on the roads.
According to statistics, as of July 1, 2025, 4 million 612.7 thousand motor vehicles owned by individuals were registered in the country. This is 441.5 thousand more than in 2024, meaning that almost half a million new cars were added in one year (source: Zamin.uz, July 17, 2025).
To cover property or physical damage that may be caused to third parties during road traffic, the state has introduced a system of "Compulsory Civil Liability Insurance for Vehicle Owners" (hereinafter referred to as OSAGO insurance).
This system, based on the Law of April 21, 2008, and Cabinet of Ministers Resolution No. 141 of June 26, 2008, aims to ensure the social protection of citizens by compensating for damages caused to third parties as a result of road traffic accidents.
It is no secret that in recent years there have been numerous complaints about the untimely payment of compensation by insurance organizations and insufficient limits to cover damages.
The insurance premium of 56 thousand soums established in 2019 proved insufficient in practice to cover actual losses. This led to a decrease in insurance companies' interest in providing this service in a competitive environment in some regions. Taking into account these and other factors, by Resolution of the Cabinet of Ministers dated July 23, 2025, measures were determined to reform the OSAGO system.
In 2023, more than 865.0 thousand insurance policies were issued in Tashkent, 80.5 billion soums of insurance premiums were collected, 10.6 thousand insurance claims were registered, and 77.9 billion soums of insurance compensation were paid.
In the 9 months of 2025, 1.54 million insurance policies were issued, 129.5 billion soums of premiums were collected, and 108.4 billion soums were paid for 12.5 thousand insurance claims.
Such growth can be explained by the expansion of the population's "car fleet," an increase in the share of expensive cars, and rising repair costs.
From January 1, 2026, the insurance amount will be set at 80.0 million soums:
For property damage — 28.0 million soums;
For damage to life or health — 52.0 million soums.
This is twice as high as the current limits. For comparison:
In 2019–2025, the insurance amount was 40.0 million soums:
For property damage — 14.0 million soums;
For damage to life or health — 26.0 million soums.
Before 2019, the liability limit was even lower — 12.0 million soums:
For property damage — 4.2 million soums;
For damage to life or health — 7.8 million soums.
Thus, the liability limit from 2026 will increase 6.7 times compared to the period before 2019, while the insurance premium will increase only 1.2 times.
Vehicle Type | Tashkent City | Tashkent Region | Other Regions |
|---|---|---|---|
Passenger car | 192,000 | 160,000 | 160,000 |
Truck | 336,000 | 280,000 | 280,000 |
Bus / Minibus | 384,000 | 320,000 | 320,000 |
Motorcycle / Tractor / Tram | 72,000 | 60,000 | 60,000 |
Let's consider a conditional example:
Vehicle: Lacetti passenger car;
Driver's age: 22 years;
Driving experience: 2 years;
Registration region: Tashkent city;
Policy type: with limited and unlimited number of drivers.
Reform Stage | Insurance Amount (soums) | Limited Drivers | Unlimited Drivers |
|---|---|---|---|
Before 2019 | 12,000,000 | 161,700 | 388,000 |
2019–2025 | 40,000,000 | 56,000 | 168,000 |
From 01.01.2026 | 80,000,000 | 192,000 | 384,000 |
As can be seen from the table, from January 1, 2026, the compulsory civil liability insurance limit for vehicle owners is being significantly increased.
The insurance amount (liability limit) has increased 6.7 times compared to the period before 2019 (from 12.0 million soums to 80.0 million soums). This change makes it possible to significantly increase the amount of compensation for citizens' property and life/health.
At the same time, the insurance premium (tariff) has increased moderately relative to insurance liability — only 1.2 times (from 161.7 thousand soums to 192.0 thousand soums). This shows that it was set in accordance with the principle of social justice while maintaining a balance of interests between the insurer and the insured.
We have prepared several useful reminders related to OSAGO.
Electronic policies: Policies are issued electronically and sent via SMS.
Database integration: All data is integrated with the Ministry of Internal Affairs database through the Unified Information System.
"Limited" and "unlimited" policies: Liability amounts are the same; the difference is only in the number of drivers allowed to drive.
Coverage: The policy covers only damage caused to third parties. Damage to your own vehicle is not covered by this policy.
A discount of 50% of the insurance premium is provided to:
War veterans and labor front participants;
Persons with disabilities;
Pensioners;
Victims of the Chernobyl disaster and others.
Failure to comply with the compulsory insurance requirement results in a fine ranging from 1 to 3 times the base calculation amount.
In the event of a road traffic accident without injuries and involving only two vehicles, drivers can independently complete an accident report. This process consists of the following stages:
At the scene of the accident — drivers perform:
A report is completed in two copies.
The accident scene and damaged parts of the vehicles are recorded via photo and video.
The time, place, and circumstances of the accident are clearly recorded.
Initial measures after the accident:
Within 4 hours after the accident, an intoxication test is conducted.
If there is a victim, they may undergo an independent examination within 3 working days.
Drivers submit the report and all documents to their insurer within 3 working days.
Review by the insurer:
The insurer accepts the report and documents, inspects the vehicle.
If necessary, an examination is appointed.
The insurer makes a decision within 15 working days — to pay compensation or refuse.
Payment is made within 5 working days after the decision is made.
Legal and recourse procedures:
If drivers do not submit documents on time or do not undergo an intoxication test, the insurer may recover the paid compensation from the guilty party through recourse.
If signs of a crime are identified in the accident, documents are sent to law enforcement agencies.
Forms can be downloaded from or eai.uz/europrotocol.
OSAGO protects your liability to others, but not your own vehicle. For complete protection, voluntary insurance — KASKO — is necessary. EUROASIA Insurance offers several KASKO options so you can choose the optimal protection for your vehicle.
KASKO — Comprehensive Protection for Your Vehicle
Classic KASKO offers complete protection against a wide range of risks, including accidents (even if you are at fault), theft, damage from natural disasters, vandalism, and much more. Three coverage levels — LITE, SMART, and DELUXE — allow you to choose the optimal option for your budget. This is the ideal choice for those who want maximum confidence on the road.
EUROASIA Insurance KASKO Advantages:
Payments even if you are at fault in an accident
Online registration in 5 minutes
24/7 support
99.7% payments on insurance claims
Tariffs from 1.3% of the vehicle value
EUROKASKO — Flexible Insurance Constructor
This is a unique product that allows you to independently choose the necessary options and create an individual policy. You can insure only those parts of the vehicle that you consider most vulnerable (front part, side parts, windshield, rear part) and not overpay for unnecessary risks. Ideal for economical drivers and those who want targeted protection.
EUROKASKO Advantages:
Tariffs from 0.2% of the vehicle value
Choose only the necessary options
Flexible coverage customization
Save up to 70% compared to full KASKO
Don't wait for an unpleasant incident to happen. Get voluntary insurance right now and receive maximum protection for your vehicle.
→ Build Your Individual EUROKASKO
→ Learn More About European Protocol
Dear drivers! OSAGO is not just a legal requirement, but your financial protection and peace of mind. From 2026, coverage limits will increase significantly, which means better protection for all road users.
But remember: OSAGO covers only damage caused to third parties. For complete protection of your vehicle, choose voluntary KASKO or EUROKASKO insurance from EUROASIA Insurance.
Contact Us:
Call Center: 1147 (free throughout Uzbekistan)
Phone: +998 71 207-91-93
Email: info@eai.uz
Website: eai.uz
Safe roads and reliable protection!
Calculate the full cost of a new car in Uzbekistan 2025: customs clearance, recycling fees, VAT + KASKO insurance. Get 25% discount on all tariffs until Dec 31!
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