≈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%.
ОСНОВНИ ИЗВОДИ
- 1
Медианната годишна премия по Каско е около 600 €, а половината полици са между 340 € и 900 € (764 сключени полици през Boleron).
- 2
Типично Каското струва 4–6% от стойността на автомобила годишно; медианата е 4,7%.
- 3
Процентът пада при по-скъпите коли: ~6,0% при автомобили до 5 000 € и ~3,9% над 30 000 €.
- 4
По-старите автомобили се застраховат при по-висок процент (~3,8% при 0–3 години и ~5,5% при 16+ години), но с по-ниска абсолютна премия.
- 5
Всяка пета полица (21%) е за кола на 15+ години, с типична премия ~237 € годишно.
- 6
97% от клиентите ползват онлайн отстъпка, типично 10%, а 40% плащат на 4 вноски.
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.
HOW DO INSURERS SET THE CASCO PRICE?
There is no single formula used by every insurer. Boleron's analysis of tariff documents from 10 companies shows that the base premium usually starts with the insured value and a rate based on the car's age, the selected coverage and, in some cases, its price bracket.
The price can then be adjusted according to the make and model, driver profile, claims history, deductible, repair method, vehicle use, region, payment method and other risk factors. This is why two cars of equal value can receive different prices.
| Factor | How it affects the price | Examples from the tariffs |
|---|---|---|
| Age of the car | Sets a base tariff group or rate; older cars are often charged a higher percentage. | Almost all analysed tariffs |
| Insured value | May place the car in a separate price bracket with a different percentage of its value. | Armeec, Generali, DZI, Lev Ins, UNIQA and others |
| Coverage and package | Comprehensive, partial or minimum Casco and theft coverage have different base rates. | All analysed tariffs |
| Make and model | Some vehicles fall into a risk group, receive a surcharge or require additional protection. | Allianz, Generali, DZI, OZK and others |
| Age of the owner or driver | With some companies, younger drivers receive a surcharge while other age groups receive a discount. | Allianz, Armeec, Generali, DZI, Euroins, OZK |
| Claims history | A bonus or malus may apply based on the number of claims, the compensation paid or the loss ratio. | Allianz, Armeec, Generali, DZI, Euroins, Lev Ins, OZK and others |
| Deductible | The customer covers an agreed part of a claim in exchange for a lower premium or tariff rate. | DZI, Euroins, UNIQA, Allianz, Bulstrad and others |
| Authorised or approved repair centre | An authorised repair centre and original parts may increase the premium, particularly for an older car. | Armeec, Bulstrad, Generali, DZI, UNIQA, Allianz and others |
| Vehicle use | Taxis, rental cars, driving-school cars and other special uses often receive a surcharge. | A large share of the analysed tariffs |
| Region | Some insurers use a regional tariff or regional discount. | Allianz, Bulstrad, DZI, UNIQA |
| Electric car or hybrid | There is no general rule: green discounts, separate rates and specific terms all occur. | Allianz, Bulstrad, OZK and others |
| Payment and other products | A single payment or another policy with the same company may earn a discount. | Many of the analysed companies |
Important: These are observed tariff factors, not a promise that every factor applies to every product, customer or car. The actual price depends on the current tariff and the details of the particular risk.
Why does the percentage often rise with the car's age?
Boleron's actual policies show that the median rate rises from about 3.8% for cars aged 0–3 to about 5.5% for cars aged 16+. The tariff analysis shows the same logic: many insurers use higher base rates for older cars.
For example, Armeec's base rate for Comprehensive Casco for passenger cars is 4.8–5.2% for a car up to 1 year old, depending on the sum insured, while for a car over 10 years old it reaches 7.0–7.5%. In UNIQA Region 1, the base rate is 4.8–5.2% for a car up to 3 years old and 7.9% for a car over 10 years old.
A higher percentage does not necessarily mean a higher premium in euros because an older car usually has a lower insured value.
Do the make and model matter?
Yes. In some tariffs, the make and model are independent risk factors. Separate risk groups, surcharges and additional protection requirements are used.
Special treatment applies, for example, to models from Audi, BMW, Porsche, Range Rover, Toyota Land Cruiser, Toyota RAV4 and other SUV/premium vehicles. This is why two cars of the same age and value may have different premiums.
Does a deductible reduce the price?
Usually, yes. With a deductible, the customer covers a predetermined part of every claim and the premium may be lower.
Euroins offers lower tariff rates for an option with a deductible equal to 1.5% of the sum insured. At UNIQA, for a car up to 3 years old in Region 1, the rate may fall from 5.2% without a deductible to 3.9% or 3.12% at different voluntary deductible levels.
Do previous claims matter?
Yes, with many insurers, claims history is involved in pricing. Bonus-malus systems, the number of claims, compensation amounts and/or the loss ratio are used.
A claim-free customer may receive a renewal bonus, while multiple or severe claims may result in a malus. DZI, Generali, Euroins, Armeec and other companies have such tariff rules.
Can an authorised repair centre make Casco more expensive?
Yes. With some insurers, the right to have repairs performed at an authorised repair centre or an approved repair centre using original parts results in a higher premium, especially when the car is over a certain age.
The analysed tariffs include surcharges of approximately 10% to 40%, depending on age and repair method. Therefore, compare both the price and the method of compensation.
Is Casco cheaper for an electric car?
There is no universal answer. Tariff models for electric and hybrid vehicles differ. Some companies offer a green discount, while others place electric cars under separate pricing or in a separate risk group.
The actual price should be compared for the specific model, value, age, coverage and insurer.
HOW CAN YOU ACTUALLY REDUCE THE CASCO PRICE?
Not all discounts are available from every insurer, but several options recur in the tariffs:
- Compare the same coverage and the same repair centre. Comprehensive Casco with an authorised repair centre is not directly comparable to an offer based only on an expert assessment.
- Check an option with a deductible. It may reduce the premium, but part of every claim remains at your expense.
- Check for a single-payment discount. A discount of around 5% appears in a number of tariffs.
- Check whether you can combine it with other products. Valid motor liability, property or another policy with the same insurer may earn a discount.
- When renewing without claims, check the bonus. Many tariffs offer an increasing discount for a good claims record.
- For an EV/Hybrid, check the specific pricing. Some companies offer a green discount.
Compare more than the price: covered risks, the deductible, authorised or approved repair centres, claims without official documents, roadside assistance and restrictions in the General Terms and Conditions.
COMPARATIVE ANALYSIS
of the detailed Casco terms for 2026:
Parking damage limits, Roadside Assistance, and Territorial Exclusions
| Insurer | Parking damage (without an accident report) | Included Roadside Assistance | Inspection upon insurance purchase | Territorial coverage | Important for coverage abroad |
|---|---|---|---|---|---|
| Armeec | Parking damages are covered with no limit on the number of incidents. | Up to 250 km. | No inspection and photo capture are required when renewing without interruption. | Bulgaria and all countries in the Green Card system. | |
| DZI | Parking damages are covered with no limit on the number of incidents.(up to 10% of the insured amount per incident and up to 20% for all damages) | Up to 300 km.(only in case of an accident) | No inspection and photo capture are required when renewing without interruption. | Bulgaria, the EU, Turkey, and the Green Card member countries in Europe. | Robbery and Theft are not covered in Albania, Bosnia and Herzegovina, Russia, Ukraine, Belarus, Moldova, and outside Europe. |
| Bul Ins | Up to 3 damages are covered.(but no more than 4 parts) | Up to 350 km.(only in case of an accident) | No inspection and photo capture are required when renewing without interruption. | Bulgaria, the European Union, and the European Economic Area. | Not valid in Turkey, Serbia, North Macedonia, Bosnia and Herzegovina, and Kosovo. |
| Bulstrad | Up to 2 damages are covered.(but no more than 7 parts) | Up to 100 km. | No inspection and photo capture are required when renewing without interruption. | Bulgaria, the EU, Andorra, Bosnia and Herzegovina, Switzerland, North Macedonia, Norway, Serbia, Montenegro, and Turkey. | |
| Euroins | Up to 2 damages are covered.(up to 10% of the insured amount, but no more than BGN 4,000) | Up to 150 km.(only in case of an accident) | No inspection and photo capture are required when renewing without interruption. | EU, Serbia, North Macedonia, Switzerland, Turkey. | In North Macedonia, the risk of theft/robbery of a vehicle parked overnight is covered only if the vehicle stays overnight in a paid guarded parking lot. |
| Generali | Parking damages are covered with no limit on the number of incidents.(up to 15% of the insured amount) | Up to 300 km.(only in case of an accident) | No inspection and photo capture are required when renewing without interruption. | Bulgaria, Europe, and Turkey. | Theft, Robbery, Damages after theft, etc. are not covered in Russia, Ukraine, Belarus, Moldova, Georgia, Azerbaijan, Albania, Kosovo, and Bosnia and Herzegovina. |
| Lev Ins | Up to 3 damages are covered.(up to 10% of the insured amount) | Up to 300 km.(only in case of an accident) | Inspection and photo capture are required once every 1 year (every second year). | Only in Bulgaria. | To be valid abroad, you must also have Motor Third Party Liability insurance with Lev Ins. |
| Uniqa | Up to 2 damages are covered.(up to 10% of the insured amount) | Up to 350 km.(only in case of an accident) | No inspection and photo capture are required when renewing without interruption. | Bulgaria, the EU, Turkey, and the Green Card member countries in Europe. | |
| OZK | Up to 3 damages are covered.(but no more than 8 parts) | No auto assistance included. | No inspection and photo capture are required when renewing without interruption. | Bulgaria, the European Union, and the European Economic Area. | The risks “Theft/Robbery” of the whole vehicle and “Fire/Explosion” (including arson and explosion) are covered in the EU, as well as in Norway, Iceland, Liechtenstein, Switzerland, Andorra, and Turkey. |
| Allianz | Up to 4 damages are covered. | Up to 150 km.(for vehicles valued above BGN 8,000) | No inspection and photo capture are required when renewing without interruption. | Valid throughout Europe and the Republic of Turkey. | The risks Theft and Robbery are not covered in Russia, Ukraine, Belarus, Moldova, Albania, Armenia, Georgia, and Kosovo. In North Macedonia and Montenegro, 20% self-participation applies for the risks Theft and Robbery. |
METHODOLOGY
- Statistics
- 764 real Casco policies concluded online through Boleron during 2026, with a known make, model, year, sum insured and premium.
- Indicator
- we use 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).
- Tariff analysis
- we separately analyse tariff documents from 10 insurance companies to show which factors may be involved in pricing.
- Limitation
- the statistical dataset does not contain all tariff factors (for example, the owner's age, region, claims history, deductible, repair centre and exact package). The tariff analysis therefore explains the mechanics, but we do not use the statistics to make causal claims about missing factors.
- Scope
- the results describe Boleron's online customers and are not an official average for the entire Bulgarian market. The data is updated monthly.
- Лиценз
- 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.
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.
Does the make affect Casco?
Yes, with some insurers. Certain makes and models fall into separate risk groups, receive a surcharge or require additional security measures.
Does a deductible reduce the premium?
Often yes. With a deductible, the customer pays an agreed part of every claim and the premium may be lower. Compare the discount with the amount you would cover in the event of a claim.
Does an authorised repair centre make Casco more expensive?
Under many tariffs, yes, especially for cars over a certain age. The right to use an authorised repair centre or original parts may result in a surcharge or a higher minimum premium.
Do previous claims affect the price?
Yes, with many insurers. Bonus-malus rules, the number of claims and/or the loss ratio are used. A claim-free renewal may earn a bonus, while an unfavourable loss ratio may result in a malus.
Is Casco cheaper for an electric car?
Not always. Different companies use different approaches for EV/Hybrid vehicles — from green discounts to separate tariff rules. The most reliable method is to compare actual offers for the specific model.
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.