125–152 €
is what half of all drivers pay per year. The price depends on the engine power, the region and the age of the driver.
Real market data from 17 025 online quotes and 4 904 concluded policies through Boleron. Not tariffs, not promotions — what drivers actually pay.
Last updated: Reviewed by: Desislava Tsvetkova
138 €270 BGN · median annual price✓ confirmed by two independent sources
Два независими източника
median of 17 025 quotes138,25 €
median of 4 904 real policies137,91 €
разлика между двата източникапод 1 €
Prices include tax and the contributions to the Guarantee Fund and the Security Fund, for a single payment. Difference between the two sources: under 1 €.
ОСНОВНИ ИЗВОДИ
- 1
Типичният шофьор плаща около 138 € годишно за Гражданска отговорност: медиана 138,25 € от 17 025 оферти и 137,91 € от 4 904 сключени полици. Половината шофьори плащат между 125 и 152 €.
- 2
Цената е стабилна – от февруари до август 2026 медианата се движи само между 137,14 € и 138,25 €.
- 3
Профилът на водача тежи повече от автомобила: водачите на 18–24 г. плащат медианно 177,68 €, а на 65+ г. – 129,41 €. Двигател 150+ kW струва 168,84 €, а под 66 kW – 124,42 €.
- 4
Възрастта на автомобила почти не влияе – разликата между нова кола и кола на 20+ години е около 7%.
- 5
Няма универсално най-евтин застраховател: най-честият победител е първи само в 34% от случаите, а типичната разлика между най-евтината и най-скъпата оферта за един автомобил е около 17% (≈28 €).
- 6
Най-скъпа е София (147,25 € медианно), а най-евтини са Стара Загора и Габрово (125,35 €).
THE KEY NUMBERS
17% (≈28 €)
is the typical difference between the cheapest and the most expensive offer for the same car. For every tenth quote — over 46%.
34%
There is no universally cheapest insurer — the most frequent winner comes first in only one third of the cases.
Median price by month, 2026seven months within a range of almost 1 € — the price is stable
FebMarAprMayJunJulAug
The data matches the average price of 135,6 € published by the Association of Bulgarian Insurers as of May 2026 — an independent confirmation of the methodology.
WHAT THE PRICE DEPENDS ON — REAL DATA
Median prices by profile, from 4 904 real policies. The bars show the deviation from the lowest group.
| Age | Level | Median |
|---|---|---|
| 18–24 yrs | 177,68 € | |
| 25–34 yrs | 139,89 € | |
| 35–44 yrs | 138,23 € | |
| 45–54 yrs | 133,45 € | |
| 55–64 yrs | 131,34 € | |
| 65+ yrs | 129,41 € |
| Power | Level | Median |
|---|---|---|
| up to 66 kW | 124,42 € | |
| 66–87 kW | 132,02 € | |
| 88–109 kW | 138,49 € | |
| 110–149 kW | 145,08 € | |
| 150+ kW | 168,84 € |
| Region | Level | Median |
|---|---|---|
| Sofia (capital) | 147,25 € | |
| Ruse | 142,72 € | |
| Varna | 135,19 € | |
| Plovdiv | 134,46 € | |
| Burgas | 128,56 € | |
| Stara Zagora / Gabrovo | 125,35 € |
| Age | Level | Median |
|---|---|---|
| 0–4 yrs | 143,21 € | |
| 5–9 yrs | 144,00 € | |
| 10–14 yrs | 141,18 € | |
| 15–19 yrs | 136,77 € | |
| 20+ yrs | 133,89 € |
The myth the data refutes:
the age of the car has almost no effect — the difference between a new car and one 20+ years old is only ~7%. The engine power and the driver's profile are decisive. Company cars pay ~6% more than individuals (145,51 € versus 136,80 €).
How do insurers calculate the Motor Third Party Liability price?
There is no single formula for the price of Motor Third Party Liability used by all insurers. Boleron's analysis of current tariffs for 2026 shows that different companies use different combinations of factors — region, owner's age, age and characteristics of the vehicle, claims history, vehicle use and payment method.
Therefore, the insurer with the lowest price for one vehicle and owner may be significantly more expensive for another profile. Comparing actual offers for the specific vehicle and owner is more reliable than a general ranking of which insurer is cheapest.
How to read this section: Boleron's statistics show what customers actually pay, while the tariff analysis shows the rules insurers use to set the price. These are two different, complementary sources of information.
Which factors are used in the tariffs?
| Factor | How it is used in the market | What it means for the customer |
|---|---|---|
| Region / owner's address | Insurers divide the country into different tariff regions, but their number and composition are not the same. | The same vehicle may receive a different price depending on the owner's address. |
| Owner's age | Separate age groups, base prices, discounts or surcharges are used. | Young owners often receive higher offers, but the size of the difference varies by company. |
| Vehicle age | Some companies divide vehicles by years in use or date of first registration. | The vehicle's age may change its tariff group, but the actual effect is not the same with all insurers. |
| Engine displacement and/or power | Some tariffs use engine displacement, others power in kW, and still others combine both indicators. | There is no single universal engine criterion for the entire market. |
| Electric / hybrid propulsion | Electric vehicles are assigned to different classes or have separate tariff rows depending on the company. | It cannot be claimed that an electric vehicle always has cheaper or more expensive MTPL. |
| Claims history | In some tariffs, at-fault accidents, the number of claims or the claim amounts affect the price. | Two otherwise identical profiles may receive different premiums because of their claims history. |
| Vehicle use | Taxis, rental cars, courier services, dangerous goods and other special uses are often priced separately. | How the vehicle is used may have a significant impact on the premium. |
| Payment method | Single and installment payments may have different rules and final prices. | With some companies installments cost more, while with others there is no surcharge. |
| Other insurance with the same company | Under certain tariffs, Casco or property insurance may qualify for a discount. | The effect is specific to the company and its terms, not a general market rule. |
The owner's age is assessed differently
Insurers do not assess age in the same way. Some use a percentage surcharge, others separate price tables by age, while still others combine age with the region and vehicle characteristics.
For example, the tariff of Armeec, effective from 23 April 2026, provides for a surcharge of 80% for an owner up to 25 years of age and 40% for ages over 25 and up to 30. With other companies, age is incorporated directly into separate price tables.
Boleron's actual data show a median premium of 177.68 € for the 18–24 age group compared with 129.41 € for ages 65+. This is an observed difference in concluded policies, not the effect of a single factor alone.
How is MTPL calculated for an electric vehicle?
There is no single model for pricing electric vehicles. Different companies assign them to different tariff categories.
- DZI prices fully electric passenger cars as vehicles with an engine displacement of up to 1,400 cc; hybrids are priced according to the internal combustion engine.
- Bulstrad equates fully electric vehicles with the petrol class up to 1,300 cc and up to 110 kW.
- UNIQA uses an electric vehicle's power to assign it to the corresponding engine-displacement tariff class.
- Generali has separate tariff rows for electric vehicles.
Therefore, the exact EV price should be compared for the specific vehicle and company.
Do previous road accidents affect the price?
Yes, with some insurers, claims history is directly involved in the tariff.
- Armeec: a 50% surcharge for an at-fault road accident during the last 3 years.
- Generali: applies a malus scale based on the number of at-fault road accidents over a 5-year period and the claim amounts.
- OZK: a 25% surcharge for at-fault road accidents caused by the driver/owner during the last 2 years.
- UNIQA: the tariff guidelines contain separate rules for at-fault claims and claim amounts.
The period, thresholds and size of the surcharge are not the same with all companies.
Why do two companies quote different prices for the same car?
Because different insurers combine the factors in different ways. For example, one tariff may primarily use engine displacement and region, another power, owner's age and vehicle age, while a third may add separate rules for claims history or vehicle use.
The practical conclusion: there is no universally cheapest insurer. The lowest price is determined by the specific profile.
How to pay less — when the tariff allows it
The terms differ between companies. Current tariffs for 2026 include, for example:
- Single payment — Armeec provides a 2% discount.
- Casco with the same insurer — Armeec provides a 10% discount when the tariff conditions are met.
- Casco and/or property insurance — UNIQA allows a discount of up to 20% for a passenger car following individual assessment and approval.
- Claim-free renewal — Generali provides a 10% discount for certain annual policies held by individuals when renewed without registered claims and without interruption of coverage.
- Installments without a surcharge — OZK allows 2 or 4 installments without a surcharge for certain tariff groups.
These are examples from specific tariffs, not general market rules. The exact terms are checked during the calculation.
Sources for the tariff analysis
For the analysis, Boleron uses current insurer tariff documents. The documents are not published on the website; we state the company, the document and its effective-from date.
- Armeec Insurance JSC — Motor Third Party Liability tariff, effective from 23 April 2026.
- Bul Ins Insurance Company JSC — Compulsory Motor Third Party Liability tariff, effective from 18 May 2026.
- Bulstrad Vienna Insurance Group JSC — Compulsory Motor Third Party Liability tariff, effective from 1 January 2026.
- Generali Insurance JSC — Motor Third Party Liability tariff, effective for policies concluded from 17 June 2026.
- DZI — Commercial Motor Third Party Liability tariff, effective from 1 January 2026.
- OZK Insurance JSC — Motor Third Party Liability tariff, effective from 24 April 2026.
- UNIQA Insurance JSC — Compulsory Motor Third Party Liability tariff, effective from 24 April 2026.
Last checked by Boleron: 17 September 2026. Tariffs may be changed during the year; the current price is always determined through an actual calculation.
The young driver: tariffs diverge by up to double
According to the official tariffs, the surcharge for drivers under 25 varies from ~20% to over 100% for one and the same car. In practice young drivers pay a median of 177,68 € (+29%), because they choose the companies with lenient terms. For no other profile does comparison bring so much.
~+20%+30–40 €+100% and more
most tolerant tariffsstrictest tariffs
⚡ MTPL for an electric car
One of the least known advantages of electric cars:
- With some insurers an EV is rated as the smallest class — with a fixed premium regardless of the engine power.
- With others an explicit discount of ~10% applies for electric or hybrid propulsion.
- For company electric cars, the lowest prices in entire tariffs can be found.
How to pay less (legally)
- A single payment: saves 1–2% compared with installments.
- A valid Casco policy with the same insurer: −5–10% with some of the companies.
- Renewal on time and without claims: up to −15% with certain companies.
- Attention: malus scales are already in force — an at-fault accident over 500 € can make the next policy 25%+ more expensive, even before bonus-malus (2027).
COMPARATIVE ANALYSIS 2026
The table shows a selection of specific additional services and advantages offered by some of the insurers available through Boleron in 2026.
The liability limits for Motor Third Party Liability are set by law, so insurers differ mainly in price and in the additional services they include – payment in installments, roadside assistance, claim support and digital service.
| Insurer | Free bonuses and specific advantages | Strong sides (based on general terms) |
|---|---|---|
| Allianz | Claims Tracker and Legal Expenses | 24/7 real-time claim tracking; covers legal expenses for the injured driver. |
| Bul Ins | 0% surcharge on installments | Payment in up to 4 equal installments without any surcharge on the premium. |
| Lev Ins | 24/7 active security | Round-the-clock emergency hotline and mobile teams for on-site assistance. |
| DZI | Transparent refund policy | Fixed refund table upon policy termination, for example 90% with 10 months remaining. |
| Euroins | Flexible roadside assistance | Option for free roadside assistance in Bulgaria for breakdowns and accidents. |
| Bulstrad | European standard | Optional roadside assistance coverage for technical breakdown and operation. |
| Uniqa | Digital service | Fully online installment payments and digital notifications for insurance events. |
Page updated: 7 October 2026. The terms in the table were last verified on 31 August 2026. Sources: general terms and information documents of the respective insurers.
METHODOLOGY
- Two independent sources
- 17 025 online quotes (February–August 2026) and 4 904 real policies concluded through Boleron during 2026.
- We use medians, not averages
- the median shows what the typical driver pays and is not distorted by extreme offers.
- Какво включват цените
- Prices include tax and the contributions to the Guarantee Fund and the Security Fund, for a single payment.
- Самоселекция
- The observed differences by profile are smaller than the tariff surcharges, because customers self-select towards the companies with the best terms for them.
- We separate two types of data
- Boleron's core statistics are based on actual quotes and concluded policies, while we use insurers' current tariffs separately to analyse which factors affect the premium and how different companies structure risk. Tariffs may change during the year, so for the documents used we state the effective-from date and the date they were last checked by Boleron.
- Лиценз
- The data is updated monthly and is free to cite with attribution (CC BY 4.0).
FREQUENTLY ASKED QUESTIONS
What is the average price of Motor Third Party Liability in 2026?
The median price is 138 € (270 BGN), stable throughout the year. Half of all drivers pay 125–152 €. The exact price depends on the engine power, the region and the age of the driver.
How much does MTPL cost for a young driver?
Drivers aged 18–24 in Boleron's actual data pay a median of 177.68 €. The tariffs show why the differences between companies can be large: some insurers use separate age groups, while others apply specific surcharges. The exact price also depends on the vehicle, the region and the other factors.
Where is Motor Third Party Liability most expensive?
In Sofia (capital): 147,25 € median — about 17% above the cheapest regions (Stara Zagora, Gabrovo: ~125 €).
Is MTPL cheaper for an old car?
Not significantly — the difference between a new car and one 20+ years old is only ~7%. The engine power matters far more: 150+ kW costs ~36% more than an engine under 66 kW.
How much does MTPL cost for an electric car?
There is no single common tariff for electric vehicles. Different insurers assign them to different classes based on power, an engine-displacement equivalent or their own EV category. Therefore, an electric vehicle is not automatically cheaper or more expensive — a specific calculation is required.
Which insurer is cheapest for MTPL?
There is no universally cheapest one — the most frequent winner comes first in only 34% of the cases, and the median difference between the best and the second-best offer is only 3,30 €.
Why do two companies quote different prices for the same vehicle?
Because they use different tariff models. One company may give greater weight to the owner's age, another to the region, power or engine displacement, and a third to a combination of several factors. Therefore, there is no universally cheapest insurer.
Do all insurers use the same factors for the MTPL price?
No. Boleron's analysis of current tariffs shows different combinations of region, age, vehicle characteristics, claims history, vehicle use and payment method. The exact model differs between companies.
How much more expensive is MTPL when paying in installments?
On average only ~2% for 4 installments; with some insurers — with no surcharge at all.
Does my claims history affect the price?
Yes, with some insurers. The analysed tariffs contain different rules based on at-fault road accidents, the number of claims, claim amounts and the look-back period. The terms differ between companies.
Would you like the exact price for your vehicle?
Compare current offers for the specific owner and vehicle instead of relying on general tariff examples.