Car Insurance Price in Poland: Average Costs & Factors

Motor third party liability, commonly known as car liability insurance or `OC` in Poland, is compulsory insurance for every driver in Poland. Without it, you cannot legally move your vehicle on public roads. It is worth knowing that depending on the insurer and the profile of the driver, the cost of the policy can vary significantly. In this article, we will show you where to buy the cheapest motor liability insurance, how to use online liability insurance calculators and whether it is worth using the services of Magro Ubezpieczenia.

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What Influences the Price in Poland?

Several factors determine your premium. Unlike in other countries, here is what matters most:

1. Age & Experience

Younger drivers (under 26) and less experienced ones are considered higher risk and pay higher premiums.

2. Engine Capacity

It's a common rule in Poland: more powerful cars (larger engines) often have higher premiums than small city cars.

3. Driver's Record (UFG)

Your history in the UFG database is crucial. Any previous accidents or traffic violations can increase the cost significantly.

4. Location

Premiums vary based on where you live. Urban areas (Warsaw, Wrocław) with more traffic usually mean higher prices.

Car liability insurance - why is it necessary?

Car liability insurance is one of the basic policies that is worth buying. It protects the driver against civil liability for damage he may have caused to third parties. The amount of the premium depends on several dozen variables, including on the driver's experience, insurance history, car make and model. You cannot legally drive on the road without insurance. That is why it is worth buying a policy and ensuring the safety of yourself and other road users.

The cheapest car insurance - where to look?

It all depends on what kind of driver the profile presents, i.e. on age, seniority, region of residence, as well as on the make and model of the vehicle. In the case of young drivers or people without driving experience, insurers often apply high premiums. It is worth noting that the price of third party liability insurance is set individually by each insurer, which means that the same driver data may be valued differently by different insurance companies.

Tip: One of the ways to find the cheapest car insurance in Poland is to use our online OC calculator. Thanks to it, you can easily and quickly compare the prices of policies offered by different insurers.

All you have to do is fill in the appropriate fields with information about yourself and your vehicle, and the system will present insurance proposals by itself. It is worth comparing offers from several websites and choosing the one that will be the best for us.

Online liability insurance - is it worth it?

Buying car insurance online is a very convenient and quick solution. You don't have to leave your home, look for an insurer's branch or make an appointment with a representative. Everything can be arranged via the Internet, and the policy can be obtained in electronic form. It is also a good way to save time and avoid unnecessary formalities.

One of the places where you can buy liability insurance online is, of course, the Magro Insurance website. Our insurance multiagency offers car liability insurance at very favorable prices. What's more, on the website you can use a free OC calculator, which will allow you to compare the prices of offers from different insurers in a few minutes. It is enough to fill out a short form and receive insurance proposals by e-mail.