Car insurance calculator — OC and AC premium estimate 2026

The main factors are: driver age and experience, claims history (bonus-malus), engine capacity, vehicle make and model, place of registration, and the chosen insurer. Each insurer uses its own tariff, so quotes can differ significantly.

OC (third-party liability) is mandatory and covers damage you cause to other road users. AC (autocasco/comprehensive) is optional and covers your own vehicle against collision, theft, fire and vandalism. OC protects third parties; AC protects your own car.

Each claim-free year earns you a bonus (discount), while a paid claim triggers a malus (surcharge). Maximum discounts can reach 60–70% depending on the insurer. Your history is transferable between insurers.

A typical OC premium for a 36–60-year-old driver with no claims and an engine up to 2,000 cc is roughly PLN 600–1,200 per year. Young drivers (under 26) can pay 1.5–2 times more. Prices vary widely between insurers.

No. The result is an indicative estimate based on a simplified model. The actual premium depends on the insurer's individual risk assessment and may differ significantly. For a binding quote, contact an insurer or use a price comparison website.

AC is most worthwhile for: new or high-value cars (over PLN 30,000–50,000), vehicles on finance or lease (lenders often require AC), cars parked in high-theft areas, and less experienced drivers. For older, low-value cars the AC premium can exceed any likely payout.

The AC rate is the percentage of the vehicle value charged as the annual premium — typically 2.5–5% in Poland. For a car worth PLN 50,000 at a 3.5% rate the annual AC premium is PLN 1,750. This calculator uses 3.5% as a simplified indicative rate.

Yes, most insurers offer OC and AC payment in monthly, quarterly or half-yearly instalments. Monthly instalments are convenient but may be slightly more expensive than a one-off payment due to an instalment handling fee.

Driving without valid OC (third-party liability insurance) is subject to a heavy fine from the Motor Insurance Guarantee Fund (UFG). In 2026 the fine for a private car ranges from about PLN 890 to PLN 6,800, depending on the length of the gap in cover. In an accident without OC, you bear the full cost of damages yourself.

Age is a key risk factor. Drivers under 26 statistically cause more accidents and can pay 40–70% more than experienced drivers. Premiums are lowest for the 36–60 age group. Some insurers apply a small surcharge above 60 due to longer reaction times. This calculator uses simplified age coefficients.