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
138,25 €median of 17 025 quotes
138 €270 BGN · median annual price✓ confirmed by two independent sources
137,91 €median of 4 904 real policies
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 €.
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 €).
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).
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.
- Prices include tax and the contributions to the Guarantee Fund and the Security Fund, for a single payment.
- 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 publish transactional data, not tariff tables: tariffs change several times a year.
- 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 under 25 pay a median of 177,68 € — about 29% above the market. The age surcharges in the tariffs vary from ~20% to over 100% depending on the insurer.
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?
Usually as much as the smallest class of cars or less — with some insurers at a fixed premium regardless of the engine power, with others with an explicit discount of ~10%.
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 €.
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 — some insurers already apply malus scales: an at-fault accident with claims over 500 € can make the next policy 25% or more expensive.
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