Compulsory Auto Insurance in Uzbekistan: Coverage and Current Tariffs
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.
In 2025, the system of compulsory auto insurance in Uzbekistan continues to evolve, offering car owners more convenient application procedures and fair pricing. It is particularly important to note that starting from August 1, 2025, updated tariffs will come into effect, reflecting the current economic conditions and market needs.
What MTPL Covers and Payout Limits
Mandatory auto insurance does not protect your own vehicle but rather covers the financial interests of other road users whom you might harm. The total insured amount is 40 million soms, distributed as follows: up to 14 million soms (35%) is allocated for compensation of property damage to affected parties, and up to 26 million soms (65%) — for compensation of harm to life and health. This amount is generally sufficient to cover most insured events, including serious accidents.
MTPL coverage includes compensation for damages caused to third parties as a result of a road traffic accident in which the insured driver is at fault. This means that if you cause an accident, the insurance company will compensate the victims within the established limits, protecting your personal finances from major losses.
It is important to understand the limitations of auto insurance: the policy does not cover damage to your own vehicle or compensate for harm to your health. To protect your property and health, other types of insurance, such as comprehensive (KASKO) or medical insurance, are available. MTPL also does not cover intentional actions, driving under the influence of alcohol or drugs, or damage caused during racing or competitions.
Current MTPL Tariffs Until July 31, 2025
The following MTPL tariffs are valid until July 31, 2025. The policy cost depends on the type of vehicle, the region of registration, and the number of drivers permitted to operate the vehicle.
Passenger cars in Tashkent and Tashkent region:
56,000 UZS (limited number of drivers)
168,000 UZS (unlimited drivers)
In other regions:
40,000 UZS (limited)
120,000 UZS (unlimited)
Trucks, buses, and minibuses:
Tashkent: 67,200–201,600 UZS
Other regions: 48,000–144,000 UZS
Motorcycles, tractors, and self-propelled machines:
Tashkent: 22,400–67,200 UZS
Other regions: 16,000–48,000 UZS
Vehicle Type | Tashkent & Tashkent Region | Other Regions |
|---|---|---|
Passenger Cars | 56,000 UZS (limited) / 168,000 UZS (unlimited) | 40,000 UZS (limited) / 120,000 UZS (unlimited) |
Trucks | 67,200 UZS (limited) / 201,600 UZS (unlimited) | 48,000 UZS (limited) / 144,000 UZS (unlimited) |
Buses & 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) |
Important Update!
Starting from August 1, 2025, new tariffs for mandatory motor third-party liability insurance (MTPL) will take effect in Uzbekistan. These changes are aimed at optimizing pricing and reflecting the current economic conditions.
The updated tariff system introduces more flexible pricing based on the region, vehicle type, and driving experience. Vehicle owners are encouraged to review the new tariffs in advance to better plan their insurance expenses.
Key features of the new tariff system include the introduction of additional coefficients for young drivers (under 25 years old) and those with less than 3 years of driving experience—reflecting accident statistics in these groups. At the same time, experienced drivers with a clean driving history may benefit from additional discounts.
To calculate the exact policy cost under the new tariffs, it is recommended to use the online calculator on the Euroasia Insurance website or consult with the company’s specialists. This will help select the optimal insurance plan tailored to individual needs and driving profiles.
Transition Period and Recommendations for Vehicle Owners
Due to the introduction of the new tariffs starting August 1, 2025, vehicle owners should keep the following in mind:
Policies issued before July 31, 2025, will remain valid until their expiration under the old tariff rates. This means if your policy is valid until the end of the year, there’s no need to reissue it immediately.
However, when renewing a policy after August 1, the new tariffs will apply. It is advisable to calculate the renewal cost in advance and consider purchasing or renewing a policy before this date if it is financially beneficial.
Those planning to purchase a new vehicle in or after August 2025 should factor in the new tariffs when budgeting for insurance.
Euroasia Insurance provides advance policy cost estimates to help you make an informed decision.
Thanks to modern technology, you can now purchase motor third-party liability insurance (MTPL) online in just 5 minutes. You’ll only need a few basic details: the vehicle’s number, the series and number of the technical passport, and if you choose a limited policy — the personal details of the authorized drivers.
The process is extremely simple:
Enter your vehicle’s information on the insurance company’s website,
Choose the policy type (limited or unlimited),
Review the cost calculation,
Pay through a convenient payment system.
The electronic policy can be downloaded or stored in your phone using the iOS or Android app. It carries the same legal force as a printed document.
When purchasing a policy online, the system automatically applies the current tariff as of the date of purchase. This means that if you purchase a policy after August 1, 2025, the new tariffs will apply. The system also takes into account all available discounts and coefficients, ensuring fair pricing.
For customer convenience, Euroasia Insurance offers an online cost calculator without any commitment to buy. This allows you to compare the old and new tariffs and choose the most suitable time for purchase.
Required Documents and Conditions
To purchase MTPL insurance, you’ll need the technical passport of your vehicle and driver documents (for limited policies). It’s important to ensure that all information is entered correctly, as mistakes can lead to issues during claim settlement.
The policy is valid throughout Uzbekistan and is mandatory for all types of vehicles, including motorcycles, trucks, and buses. As of July 1, 2025, mandatory insurance is also required for foreign vehicles entering Uzbekistan.
When purchasing a policy under the new tariffs, you may be asked to provide additional documents confirming your driving experience and accident-free record. This is due to the introduction of a differentiated pricing model based on driving history.
Penalties for Not Having MTPL Insurance
Driving without a valid MTPL policy carries serious financial consequences. The fine is set at 1 BRV (base calculation unit), which amounts to 375,000 UZS as of mid-2025. The fine is issued by traffic police officers upon stopping the vehicle, and it can only be avoided by having a valid insurance policy.
Considering the minimum insurance cost is as low as 16,000 UZS under old tariffs, and the fine is 375,000 UZS, the financial logic of purchasing insurance is clear. Moreover, without a policy, you face serious financial risks in case of an accident, as you would have to pay for damages out of your own pocket.
With the introduction of new tariffs, it is important to monitor the expiration date of your policy and renew it on time. An expired policy is considered invalid and subjects you to the same fines.
Conclusion
Mandatory vehicle insurance is an affordable protection measure for all car owners in Uzbekistan. Modern technologies have made the process of obtaining insurance quick and easy, while fair and reasonable tariffs ensure solid financial security without putting pressure on your budget.
With the introduction of new tariffs starting August 1, 2025, the MTPL system becomes even more equitable, taking into account each car owner’s individual circumstances. Euroasia Insurance offers a convenient online policy application system with 24/7 support and flexible insurance terms.
Don’t delay obtaining your policy—protect yourself from fines and financial risks today. When planning to purchase or renew your policy, consider the upcoming tariff changes and choose the best time to insure.
You can apply for MTPL insurance online at the Euroasia Insurance website or contact the support hotline for up-to-date information on the new rates.
Frequently Asked Questions
Can I drive with an expired policy?
No. Driving with an expired policy is equivalent to driving without insurance and results in a fine of 375,000 UZS.
Is an electronic policy valid?
Yes. The electronic policy has the same legal validity as a paper document.
What should I do in case of an accident?
Immediately contact the insurance company and follow the instructions for filing a claim.
When do the new MTPL tariffs take effect?
The new tariffs apply starting August 1, 2025, for all newly issued policies.
Do I need to reissue my current policy under the new tariffs?
No. Existing policies remain valid until their expiration date and will continue to follow the old tariffs.
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Car insurance in Uzbekistan has become an essential part of responsible vehicle ownership. In 2025, car owners face new legislative requirements, changes in tariff policies, and expanded protection options on the road. Understanding the particulars of auto insurance in our country will help you make informed decisions and ensure reliable protection for yourself and others.
