Motor insurance does not get expensive: experts

After the third quarter of 2021, the average amount of the third-party liability insurance premium was PLN 587, according to the report Motor insurance market prepared by the Punkta.pl comparison engine. This amount means that Poles paid an average of PLN 12 less for compulsory insurance than in the second quarter of 2021 and as much as PLN 33 less than in the same period last year.

On average, residents of the following voivodeships paid the least for compulsory third party liability insurance in the period from July to September: Kujawsko-Pomorskie (PLN 562), Małopolskie (PLN 565), Opolskie (PLN 568), and Podkarpackie (PLN 576). However, it was not so cheap everywhere – the highest average sums of contributions were recorded in Pomorskie (PLN 729), Dolnośląskie (PLN 674), and Mazowieckie (PLN 669). Depending on the region, the difference in the civil liability rate could be as high as PLN 167.

The differences in prices are also visible between drivers from smaller cities and those from voivodeship capitals. In the case of localities up to 100,000 residents, the average third party liability premium is lower by PLN 29 compared to the national average. Besides, young and harmful drivers pay more.

The cheapest third-party liability insurance can be counted on by owners of vehicles with engines with smaller engine capacity (up to 0.9 l) and electric cars. It is the growing number of electric vehicles which is slowly changing the landscape of third-party liability insurance.

(WBJ)