Compare Car Insurance in Lithuania

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What is Car Insurance in Lithuania?

Car insurance in Lithuania has two layers: compulsory third-party liability (TPVCA), which every registered vehicle must carry, and optional comprehensive cover known locally as KASKO. TPVCA pays for damage and injury you cause to others, while KASKO protects your own vehicle against accidents, theft, fire and vandalism. Driving or keeping an uninsured car on public roads is illegal and enforced through automated checks against the insurers' register.

How the Lithuanian market works

Compulsory motor liability is standardised by law, so insurers compete mainly on price, service and add-ons rather than the core cover. Premiums are risk-priced using the driver's history, the vehicle, and a bonus-malus system that rewards claim-free years. KASKO is fully commercial, with cover levels, deductibles and extras varying by insurer. Policies are sold directly, through brokers and via comparison channels, and the market is coordinated by the Lithuanian Motor Insurers' Bureau.

Benefits

Legal compliance — TPVCA satisfies the mandatory cover requirement and lets you register and drive legally.

Own-damage protection — KASKO covers repairs to your own car after collisions, theft or weather damage.

No-claims rewards — The bonus-malus system lowers premiums for drivers with a clean record.

Cross-border validity — TPVCA provides the required minimum cover across the EU and Green Card countries.

How to choose

For compulsory cover, compare premiums directly since the protection is standardised, and check whether roadside assistance or a courtesy car is included. For KASKO, look at the deductible (excess), what perils are covered, whether repairs use original or aftermarket parts, and claim-handling reputation. Consider your car's value and age: KASKO is usually worth it for newer or financed vehicles, less so for older cars. Verify the insurer's claims record and service network.

Leading providers in Lithuania

If Lietuva is one of the largest general insurers in the Baltics with strong motor offerings. ERGO Lithuania, part of the Munich Re group, provides both TPVCA and KASKO with wide service coverage. Compensa Vienna Insurance Group and BTA Baltic Insurance Company (also part of Vienna Insurance Group) are established motor insurers competing across price and cover. Lietuvos draudimas, Gjensidige and other insurers are also active in the market.

What it costs

Compulsory TPVCA premiums vary widely with the driver's age, experience, claims history and vehicle, and are calculated per policy period. KASKO costs considerably more, driven by the car's value, chosen deductible and cover scope. Choosing a higher deductible lowers the premium but increases your out-of-pocket cost per claim. Because pricing is individual, obtaining several quotes is the most reliable way to find the best rate.

Protections and regulation

Insurers in Lithuania are licensed and supervised by the Bank of Lithuania, which oversees solvency and conduct. Compulsory motor insurance is governed by dedicated legislation, and the Lithuanian Motor Insurers' Bureau manages the guarantee fund that compensates victims of uninsured or untraced drivers. Consumers can raise disputes with the insurer, the Bank of Lithuania, or seek mediation before the courts.

Common questions

Is TPVCA mandatory? — Yes, every registered vehicle must have valid third-party liability cover at all times. Do I need KASKO? — It is optional but recommended for newer or financed cars. How is my premium set? — By your risk profile and the bonus-malus record of claim-free years. Am I covered abroad? — TPVCA meets minimum requirements across the EU and Green Card zone; check KASKO territorial limits separately.

Car Insurance in Lithuania — FAQ