Kyrgyzstan Insurance
MTPL in 7 minutes
Compared 6 insurers, picked the cheapest — KGS 2,350 for a Camry. The policy arrived by email at once. One star off for typing the VIN manually.
Тимур Ж., Бишкек · August 22, 2026
MTPL (OSAGO) online
Compare prices from 10 insurers and buy an electronic policy in 5 minutes
No fees
MTPL tariffs are state-regulated — the price is the same at the insurer and here
Insurer rating
We show payout ratio and settlement time based on regulator data
Keep your KBM discount
Up to 40% claim-free discount carries over to the new policy
Issued in 5 minutes
Car data is pulled by plate number — you only fill in the drivers
Electronic policy
Registered in the unified state database; traffic police check it online
Accident support
We explain what to do and help collect documents for a payout
Useful services
Rating of insurance companies in Kyrgyzstan
Based on 2025 regulator data and FinMarketKG user reviews
| # | Company | Rating | Reviews | Payouts, KGS M | Payout ratio | Complaints solved | Payout time |
|---|---|---|---|---|---|---|---|
| 1 | Jubilee Kyrgyzstan | 4.7 | 3,120 | 488 | 57% | 97% | 10 days |
| 2 | Kyrgyzstan Insurance | 4.6 | 4,210 | 612 | 54% | 96% | 14 days |
| 3 | Bakai Insurance | 4.5 | 2,680 | 371 | 51% | 94% | 15 days |
| 4 | Zdorovie Insurance | 4.4 | 2,340 | 258 | 61% | 93% | 18 days |
| 5 | Eurasia Insurance | 4.4 | 980 | 142 | 55% | 95% | 12 days |
| 6 | Ayu Insurance | 4.3 | 1,890 | 204 | 48% | 91% | 20 days |
| 7 | ASKO | 4.2 | 1,560 | 176 | 46% | 89% | 21 days |
| 8 | Kyrgyzinstrakh | 4.1 | 1,230 | 163 | 44% | 86% | 25 days |
| 9 | Insurance Group | 4.0 | 720 | 78 | 43% | 84% | 24 days |
| 10 | People's Insurance Company | 3.9 | 640 | 64 | 41% | 80% | 30 days |
Frequently asked questions
Yes. Since 2024 every MTPL policy is registered in the unified database of the State Financial Supervision Service. Traffic police check the policy online by plate number, so a printout is optional — a PDF on your phone is enough.
How it works
- 1
Enter the plate
Car data is pulled from the registration database
- 2
Add drivers
Age, experience and KBM of each — or unlimited
- 3
Compare prices
10 insurers, rating and payout time in one table
- 4
Pay by card
Elcard, Visa, Mastercard, MBank, O!Money
- 5
Get the policy
PDF by e-mail and SMS, entry in the state database
Customer reviews
Read all reviewsInsurance in cities of Kyrgyzstan
НА
Expert opinion
Nurlan Asanov · Head of Insurance, FinMarketKG
The most common MTPL mistake is choosing 'any driver' when only one or two people drive the car: the 1.8 factor doubles the price. Name the drivers and a policy for an experienced Bishkek driver costs KGS 2,300–2,800. Always check that the policy appears in the state database after purchase — otherwise the inspector will not see it.
Where to buy MTPL
MTPL in Kyrgyzstan is sold by 10 licensed insurers: Kyrgyzstan Insurance, Jubilee, Bakai Insurance, Ayu, ASKO, Kyrgyzinstrakh, Eurasia and others. You can buy at an office, from an agent or online — on FinMarketKG you compare all companies at once and pay by card. An electronic policy has the same legal force as a paper one.
How MTPL is calculated
The MTPL price follows a single formula approved by the State Financial Supervision Service. The base tariff depends on the vehicle type, and the factors on power, region, drivers' age and experience, and claims history.
Price = Base tariff × Kpower × Kregion × Kage/experience × KBM
| Base tariff | cars KGS 1,800 · motorcycles KGS 850 · taxis KGS 3,400 |
| Kpower | up to 100 hp — 0.8 · 101–150 — 1.0 · 151–200 — 1.2 · over 200 — 1.5 |
| Kregion | Bishkek — 1.4 · Osh — 1.2 · other cities — 1.0 |
| Kage/experience | under 22 and under 3 years — 1.8 · under 22 — 1.6 · under 3 years — 1.5 · others — 1.0 · any driver — 1.8 |
| KBM | from 0.6 (8+ claim-free years) to 1.55 (at-fault accident) |
Insurance
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