≈600 €
Median annual premium before a discount; 97% use the online discount, typically 10%.
The first published real Casco prices in Bulgaria: 764 concluded policies through Boleron with a known sum insured and premium. The formula that works for every car:
Last updated: Reviewed by: Desislava Tsvetkova
4–6%of the value of the car per year
(median: 4,7%)
(median: 4,7%)
What this means in practice
A car worth 5 000 €~185 – 300 € / yr.
A car worth 10 000 €~360 – 590 € / yr.
A car worth 20 000 €~730 – 990 € / yr.
A car worth 40 000 €~1 400 € / yr.
Median annual premium: ≈600 €; half of all policies are between 340 € and 900 €. 97% of customers use the online discount, typically 10%.
PRICE BY VALUE OF THE CAR
Median premiums from real policies. The percentage falls for a more expensive car — the fixed costs weigh more heavily at a low sum insured.
| Value of the car | % of the value | Typical annual premium |
|---|---|---|
| up to 5 000 € | ~6,0% | ~185 € |
| 5 000 – 10 000 € | ~5,2% | ~360 € |
| 10 000 – 15 000 € | ~4,8% | ~590 € |
| 15 000 – 20 000 € | ~4,4% | ~730 € |
| 20 000 – 30 000 € | ~4,3% | ~990 € |
| 30 000 – 50 000 € | ~3,9% | ~1 400 € |
| over 50 000 € | ~3,9% | ~2 500 € |
PRICE BY AGE OF THE CAR
An older car is insured at a higher percentage of its value, but at a lower absolute premium — because the value itself is lower.
| Age of the car | Median rate | Context |
|---|---|---|
| 0–3 years | ~3,8% | more expensive cars → higher sum insured |
| 4–7 years | ~4,5% | |
| 8–11 years | ~5,1% | |
| 12–15 years | ~5,3% | |
| 16+ years | ~5,5% | typical premium ~237 € |
The myth that Casco is only for new and expensive cars — what the real policies show
21%
of the policies are for cars 15+ years old — typical premium 237 € per year.
38%
are for cars worth under 10 000 € — typical premium 293 € per year.
40%
of the customers pay in 4 installments — spreading the payment is the standard, not the exception.
340–900 €
is what half of the customers pay — the price depends mainly on the value and the age of the car.
price + terms
There is no universally cheapest insurer — the differences in servicing, parking damage and roadside assistance weigh as much as the premium.
METHODOLOGY
- Source: 764 real Casco policies concluded online through Boleron during 2026, with a known make, model, year, sum insured and premium.
- Medians, not averages — the median shows the typical case and is not distorted by extreme values.
- The rate = annual premium ÷ sum insured. The premiums are before the online discount (stated separately).
- The profile reflects Boleron's online customers; the data is updated monthly.
- Free to cite with attribution (CC BY 4.0).
FREQUENTLY ASKED QUESTIONS
How much does Casco cost in 2026?
Typically 4–6% of the value of the car per year. The median premium is about 600 €, half of all policies are between 340 and 900 €.
How much does Casco cost for a car worth 10 000 €?
About 360–590 € per year — towards the lower end for a newer car, towards the upper end for an older one.
Does Casco make sense for an old car?
Every fifth policy is for a car 15+ years old, with a typical premium of ~237 € per year. A single hailstorm, theft or parking damage costs more than the annual premium.
Why is the percentage higher for cheap cars?
The fixed costs — inspection, administration, minimum premiums — weigh more heavily at a low sum insured.
Can I pay Casco in installments?
Yes — 40% of the customers pay in 4 installments. Spreading the payment is a standard option with all insurers.
Which insurer is cheapest for Casco?
There is no universal answer — besides the price, the terms differ too: access to an authorised service centre, parking damage and roadside assistance. Compare both.
See the exact price for your car — from all insurers
Compare the prices and the terms at the same time: servicing, parking damage, roadside assistance.