Loans & insurance · car insurance
Car insurance calculator 2026 (estimate)
The annual cost of car insurance consists of mandatory traffic insurance and voluntary kasko. Traffic insurance alone typically costs 150–500 €/year, and with kasko the total is often 400–1,500 €/year depending on the car value and cover level. This calculator gives an indicative range based on your bonus, region and age.
Prices differ between insurers by up to 30–50% for the same car and driver, so the calculator’s figure is a rough estimate, not an offer. Request exact quotes from several insurers with your own details and compare the maximum payouts and deductibles too.
Car and driver details
Osakasko covers fire, theft and vandalism; täyskasko also collisions.
Affects the kasko price. Does not affect mandatory traffic insurance.
Claim-free driving history. Max 85%. Lowers both traffic insurance and kasko.
Estimated annual cost
€350 – €618/ year
Per month about €29 – €52
| Traffic insurance (mandatory) | €126 – €210 |
| Kasko (voluntary) | €224 – €408 |
| Total / year | €350 – €618 |
The calculator gives only an indicative price range based on typical market prices, not an actual offer. Insurers price risk individually, and the final price may differ significantly. Request binding quotes from insurance companies.
What makes up the price of car insurance?
Car insurance consists of mandatory traffic insurance and voluntary kasko. Traffic insurance covers damage caused to the other party and typically costs 150–500 €/year depending on the bonus and driver. Kasko covers your own car’s damage and often raises the total to 400–1,500 €/year depending on the car value and cover level. The price is affected by the bonus (claim-free history, up to a 70–85% discount), the region, the driver’s age and annual mileage. Because each insurer prices risk in its own way, the same car can cost different drivers different amounts — this calculator gives an indicative range.
What makes up the price of car insurance?
Traffic insurance is required by law and covers damage caused to the other party (people and property) — not your own car. Its price is based above all on the driver’s risk: the bonus, age, region and annual mileage. Kasko is voluntary and covers your own car’s damage, and its price follows the car value and the chosen cover level (osakasko or täyskasko).
The bonus — claim-free driving history — is the single most powerful factor: it can lower both traffic insurance and kasko by up to 70–85%. The bonus transfers between insurers, so you don’t lose it by comparing offers. In the capital region and for young drivers the price is typically higher.
The kasko level is chosen by car value. As a rule of thumb, kasko is worthwhile if the car value is over about 3,000–5,000 €; for a new car or one bought on a loan, comprehensive täyskasko is practically essential. For an old car under 2,000 €, traffic insurance alone is often enough, as the payout after the deductible would be small.
Because each insurer prices risk with its own model, the same car can cost different drivers different amounts. That is why the calculator gives a range, not a single figure. It is worth comparing every 2–3 years and whenever your situation changes — a new car, a move or a higher bonus can change the price significantly.
Frequently asked questions
How much does car insurance cost on average?
Mandatory traffic insurance alone typically costs 150–500 €/year, and with kasko the total is often 400–1,500 €/year. The exact price depends on the car value, bonus, region, age and chosen insurer. Differences between insurers can be 30–50%, so comparing pays off.
What is the difference between traffic insurance and kasko?
Traffic insurance is required by law and covers only damage caused to the other party (people and property). Kasko is voluntary and covers your own car’s damage such as collisions, vandalism, theft and animal collisions. Without kasko you are responsible for your own car’s damage yourself.
Is kasko worth it?
As a rule of thumb, kasko is worthwhile if the car value is over about 3,000–5,000 €. For a new or valuable car, comprehensive täyskasko is practically essential, and it is often required as collateral for a car loan. For an old car under 2,000 €, traffic insurance alone is often enough, as the payout would be small.
How does the bonus affect the price?
The bonus is a percentage discount that accrues from claim-free years. It can lower the price of traffic insurance and kasko by up to 70–85%. The bonus transfers between insurers when you switch, so you don’t lose your earned bonus by comparing offers.
Why does a young driver pay more?
Drivers under 25 pay an age surcharge, because their accident risk is statistically higher and little bonus has accrued. A young driver can save by being added to a parent’s policy as an additional driver or by choosing a lower-powered car. It’s worth taking your own policy by about age 23 to start building the bonus.
Should I compare car insurance?
Yes. The price for the same car and driver can differ by hundreds of euros a year between insurers. Request quotes from 3–5 insurers with your own details and compare not only the price but also the maximum payouts, deductibles and restrictions. Comparing every 2–3 years pays off.