How much does OC car insurance cost in Poland and what affects the price

According to the CUK Ubezpieczenia report, the average premium for OC alone was 667 zł in Q2 2026 and 657 zł in Q3. That’s a national average – your price can be much lower or several times higher, because insurers calculate the risk separately for each driver and each car.

Age shows it best. In the same report, drivers aged 18–24 paid on average 1,504 zł for OC, and drivers aged 55–64 paid 551 zł. That’s almost three times more, although both groups buy exactly the same statutory cover.

1. 1

   Driver’s age and experience

   Young drivers and those with a new licence statistically cause more claims, so they pay the most. The premium usually drops noticeably after age 25–26.

2. 2

   Claims history and no-claims discount

   Each year without an at-fault claim means a higher discount. One claim can push you back several levels and raise the price for years. Some insurers take your insurance history from abroad into account – ask about it and get a certificate from your previous insurer.

3. 3

   Where you live

   Big cities and busy regions have more collisions, so premiums are higher. In the CUK report, differences between cities reached several hundred złoty.

4. 4

   The car: engine size, power, make

   More powerful cars that are expensive to repair mean higher OC. The car’s age and how often the model is involved in claims also matter.

5. 5

   How the car is used

   Annual mileage, driving abroad, a young driver using the car, a garage or street parking – all of this goes into the calculation.

• Compare offers every year, 2–3 weeks before the policy ends – automatic renewal is often more expensive than an offer for a new customer.
• Pay in one go if you can – instalments usually increase the total cost.
• Give true information about drivers and mileage – understating the risk can end with an extra premium to pay.
• Check your history in UFG and your discounts with the new insurer – sometimes the system doesn’t “see” them and you need to send a certificate.
• Take an OC + AC bundle only if you really need AC – a bundle isn’t always cheaper.
• Before buying a car, check the OC price for that model – two similar cars can differ by several hundred złoty.

If you don’t cancel the policy by the day before the end of the insurance period at the latest, OC renews automatically for another 12 months. It’s convenient, but the insurer can change the price. Many drivers pay more simply because they didn’t check competitors’ offers.

The safe order is: compare prices, buy the new OC starting the day after the old one expires, then send a cancellation (wypowiedzenie) of the old policy. If you forget to cancel and end up with two policies, you can cancel the one that renewed automatically.

The fines are imposed by the Insurance Guarantee Fund (UFG) and depend on the minimum wage, so they rise every year. If you cause an accident without OC, UFG pays the victims and then demands the whole amount back from you.