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    Insurance in Moldova

    RCA from 1,493.97 lei a year, a Green Card from €31.58 for 15 days: BNM's legal minimum since 4 October 2026.

    Updated:

    The legal minimum for this profile

    1,493.97 lei a year

    Car 1,601–2,000 cm³, Chișinău and 6 nearby districts, a driver over 23, a licence over 2 years, class 7

    No insurer may sell for less: BNM Decision 198/2026, in force from 4 October 2026.

    Engine size (l and cm³)
    Another vehicle: minibus, bus, truck, tractor, motorcycle, taxi

    Taxi

    Minibuses and buses

    Trolleybuses

    Tractors

    Trucks

    Motorcycles

    Where the owner lives

    Chișinău and the Hîncești, Orhei, Strășeni, Ialoveni, Anenii Noi, Criuleni districts.

    Driver's age
    Driving licence
    Bonus-malus class

    Not sure of your class? Pick 7: a new driver starts there (×1.00). Each year without a paid claim moves you up one class.

    Owner
    Registered abroad or under a year

    For a foreign-registered vehicle only the vehicle and the term count (K5 = 3).

    Under 12 months: only for a provisionally registered or foreign-registered vehicle.

    The prices for this profile

    1. BNM's legal minimum 1,493.97 lei BNM Decision 198/2026, in force from 4 October 2026
    2. Donaris VIG 2,418.83 lei The insurer's published sheet, in force from 25 November 2025. +924.86 lei over the minimum. The sheet is dated 25 Nov 2025, before BNM's reference premiums of 4 Oct 2026. Today's price is confirmed by Donaris.

    The formula, the history and the bonus-malus classes

    In short

    In Moldova, RCA for the standard car (1,601–2,000 cm³, Chișinău, a driver over 23 with a licence over 2 years, bonus-malus class 7) costs at least 1,493.97 lei a year, and a Green Card for Europe at least €31.58 for 15 days. These are BNM's reference premiums (BNM Decision 198/2026, in force from 4 October 2026), below which no insurer may sell. The market has 9 licensed insurers, with 1,778.26 m lei in gross premiums written in January–June 2026 (BNM). Satelit does not sell insurance and shows the prices without an account or an IDNP.

    Your car: the lowest legal prices

    For the standard car: 1,601–2,000 cm³, Chișinău, a driver over 23 with a licence over 2 years, bonus-malus class 7.

    • RCA (Moldovan motor liability) 1,493.97 leia year BNM Decision 198/2026, from 4 October 2026
    • Green Card €31.58635.04 lei, 15 days BNM Decision 198/2026, from 4 October 2026
    • Romania's rovinietă 20 RON75.33 lei, 1 day Legea nr. 226/2023 (art. 4–8) și Ordinul MTI nr. 888/2026, from 1 October 2026
    • Moldova's vinieta €480.44 lei, 7 days Codul fiscal nr. 1163/1997, Titlul IX, art. 344–348, Anexa nr. 2
    • Road tax 960.00 leia year Codul fiscal nr. 1163/1997, Titlul IX, Anexa nr. 1

    BNM rate of 6 November 2026: €1 = 20.1089 lei, 1 RON = 3.7663 lei.

    Average RCA premium by insurer

    Details
    1. Intact Asigurări Generale 831.26 lei
    2. Grawe Carat 1,152.61 lei
    3. Moldasig VIG 1,238.27 lei
    4. General Asigurări 1,280.11 lei
    5. Transelit 1,295.28 lei
    6. Asterra Grup 1,335.00 lei
    7. Donaris VIG 1,445.90 lei
    8. Acord Grup 1,979.50 lei
    9. Moldcargo 1,991.28 lei
    Collected in January–August 2026 over all insured cars (BNM). It shows who is cheaper on average, not one car's price.

    Voluntary insurance

    The price depends on the person and the property. We show what insurers publish and the market average premium per policy.

    The insurance market

    January–June 2026, every insurer, from BNM.

    Statistics

    The 9 licensed insurers

    From BNM's register, in alphabetical order.

    Companies

    Data sources

    Every figure comes from an act or a public page, with the day it was read.

    BNM figures: Banca Națională a Moldovei, bnm.md, CC BY 4.0.

    Satelit does not sell insurance and has no agreements with insurers. Prices are ordered by price, the same for everyone.

    Questions and answers

    What is the lowest legal RCA price?

    1,493.97 lei a year for the chosen profile (BNM Decision 198/2026, in force from 4 October 2026). BNM's reference premium is the legal minimum: no insurer may sell below it.

    What does a Green Card cost?

    Car, All Green Card countries (Europe), 15 days: BNM's minimum is €31.58, that is 635.04 lei at BNM's rate of 6 November 2026.

    What does the rovinietă cost for a day?

    For a car: 20 RON electric, 22 RON Euro 6 and 29 RON without proof of the Euro class, from 1 October 2026.

    The lowest average RCA premium

    Intact Asigurări Generale: 831.26 lei per policy in January–August 2026. An average over all cars, not a price.

    How many insurers are there in Moldova?

    9 companies licensed by BNM: Acord Grup, Asterra Grup, Donaris VIG, General Asigurări, Grawe Carat, Intact Asigurări Generale, Moldasig VIG, Moldcargo, and Transelit.