Polski
УкраїнськаHow much does car third-party liability insurance cost?
Third-party car insurance (OC): most sources quote the same amount, 650 PLN/year. Comparison based on 5 sources, as at 30 September 2026.
Figures on this page:all prices
Unit: PLN per year (passenger car third-party liability insurance). Prices stated in public price lists and guides, not confirmed by invoices. How we calculate them.
Prices by source
Hover over the bar (or tap it) to see the price and its source.
Car third-party liability insurance: prices by source
Five sources with varying levels of reliability, deliberately kept separate so that declarations are not mixed with evidence. The price index consists of cited public price lists per unit of service (PLN/year); customer reviews show amounts for entire jobs submitted via the ‘How much did you pay?’ form, with three verification levels (how we verify them); company price lists contain prices entered by the companies themselves. Price index as at: 30 September 2026; customer and company entries are updated continuously.
| Source | Median | Typical range / full range | Number |
|---|---|---|---|
| Price index: quoted public price lists and guidesevery price from a public website, with a quotation, date and link; median of range midpoints, excluding outliers | 650 PLN/year | 650 | 5 |
| Customer reviews verified with an invoice or receiptthe editorial team (initially assisted by AI) checked the document: the service, amount, date and contractor all match | - | - | 0 |
| Customer reviews verified by declaration (confirmed by e-mail)the author confirmed through an e-mail link their declaration that they had used the service and that the amount and review were genuine | - | - | 0 |
| Unverified customer reviewsamount submitted through the form without confirmation by e-mail or document | - | - | 0 |
| Price lists entered by companies (company declarations)gross prices entered by companies using the company form; we do not verify them or include them in the price index median | - | - | 0 |
At a glance. According to the price index (cited public price lists), Car third-party liability insurance costs median 650 PLN/year, based on 5 sources, as at 30 September 2026.
We do not yet have customer reviews verified with an invoice or receipt for this service.
We do not yet have customer reviews verified by declaration (confirmed by e-mail) for this service.
We do not yet have unverified customer reviews for this service.
No company has yet added its own price list for this service.
Source for citation: indekscen.pl, ‘Car third-party liability insurance’, as at 30 September 2026, https://indekscen.pl/en/ile-kosztuje/ubezpieczenie-oc-samochodu/. Method: how we calculate, how we verify. Data description for AI assistants: llms.txt.
Options and additional fees
| Option | Price | Sources |
|---|---|---|
| Motor third-party liability insurance for a young driver (18 to 25 years old) | 1,200 ‑ 2,500 PLN/year | wygodnie.pl, kalkulator-oc-ac.auto.pl |
What affects the price
- driver's age and experience: young drivers pay several times more
- insurance history and no-claims discount
- place of residence: more expensive in Warsaw than in small towns and rural areas
- car type: small, compact, SUV or premium
- online purchase (some insurers offer a discount)
Usually included in the price
- mandatory 12-month third-party liability insurance for the vehicle owner
- a guarantee amount of PLN 6 021 600 for property damage and PLN 29 876 400 for personal injury
Usually charged separately
- damage to your own car (comprehensive insurance is required for this)
- assistance cover and personal accident insurance, if not purchased separately
Motor third-party liability insurance is compulsory. The amounts are average, indicative premiums from comparison websites and guides; your premium depends mainly on your age, claims history, place of residence and car.
Prices from customers and companies
Two types of entries: customers state how much they paid for the entire job and rate the contractor; service providers enter their price lists. Customer entries have three reliability levels: ✓ verified: invoice or receipt (the editorial team has seen a document matching the entry), ✓ verified: declaration (the author confirmed the entry using a link sent by e-mail) and unverified (how we verify entries); we do not verify company price lists. Price lists entered by companies are not included in the median at the top of the page; customer amounts are included only for services priced as a complete service.
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Price and satisfaction
| Amount paid | Entries with ratings | Average rating | 5★ ratings |
|---|
By company size
| Company size | Customer entries | Median from receipts | Average rating | Company price lists | Median from price lists (PLN/year) |
|---|
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Contractors: third-party car insurance (oc)
Companies with a public price list for this service, based on our sources, and providers named by customers in reviews. The order is not a ranking; we do not charge for inclusion in the list.
| Contractor | How we know | Price | Customer rating |
|---|
We do not have any businesses to show yet. Know a good contractor? Add a review.
Price sources
Each amount comes from a publicly accessible website. The quote is the passage containing the amount. Website data as at 30 September 2026; prices may have changed since then.
| Source | Type | City | Price (PLN/year) |
|---|---|---|---|
| TUZ Ubezpieczenia · 2026„W 2026 roku średni koszt obowiązkowego ubezpieczenia OC dla kierowcy w Polsce wynosi orientacyjnie od 650 do 900 zł rocznie”orientacyjny średni koszt OC w 2026 roku | guide / portal | all of Poland | 650 ‑ 900 |
| Punkta · 2026-09„Średnia składka dla kobiet wynosi 655 zł, a dla mężczyzn 648 zł.”średnia składka OC dla mężczyzn i kobiet; kwota z opisu strony w wynikach Google | guide / portal | all of Poland | 648 ‑ 655 |
| lodz.pl · 2026-01„w 2026 roku średnia cena OC w Polsce utrzymuje się na poziomie około 650 zł”średnia cena OC według analiz Punkty; kwota z opisu strony w wynikach Google | guide / portal | all of Poland | 650 |
| Carlease Polska · 2026-01„przeciętna polisa kosztuje obecnie około 650 zł”przeciętna polisa w styczniu 2026; kwota z opisu strony w wynikach Google | guide / portal | all of Poland | 650 |
| wygodnie.pl · 2026„Doświadczony kierowca (35-60 lat, bezszkodowa jazda): 400-800 zł/rok”orientacyjne stawki 2026 dla doświadczonego kierowcy bez szkód | guide / portal | all of Poland | 400 ‑ 800 |
Questions about the price
How much does third-party car insurance cost without a no-claims discount?
Young drivers with no insurance history pay the most: according to wygodnie.pl, PLN 1200 to PLN 2500 per year, while according to auto.pl, 19-year-olds paid an average of PLN 2086 for third-party liability insurance.
Does the cost of third-party liability insurance depend on where you live?
Yes. In examples from wygodnie.pl, third-party liability insurance for the same driver and car costs PLN 650 to PLN 900 per year in Warsaw, PLN 550 to PLN 750 in Kraków, Wrocław and Poznań, and PLN 400 to PLN 550 in rural areas and small towns.
Does third-party liability insurance depend on the value of the car?
Indirectly, yes, because the type of car matters. According to wygodnie.pl, third-party liability insurance for a small car costs PLN 550 to PLN 750 per year, while for a premium car it costs PLN 1200 to PLN 2000 (35-year-old driver, Warsaw, no claims).
How much did you pay for this service?
The quickest way: upload a photo of the receipt or invoice and select a star rating, it takes half a minute. We will read the amount, company and date from the document. The entry will appear immediately. Once confirmed by e-mail, it will receive a yellow "verified: declaration" badge, and once the document has been checked, a green "verified: invoice or receipt" badge.
Both buttons open the same form: you submit the rating yourself. Prefer the full form? How much did you pay?