The average policy was 23 percent compared to the level a year ago – according to the rankomat.pl data. Within two years by as much as 41 percent. – There is no indication that the increases in OC prices are to stop. After three quarters of 2024, insurers in the communication insurance segment recorded a loss of PLN 328.8 million – says Grzegorz Demczyszak from Rankomat.pl.
“Compulsory communication policies have been more expensive since the beginning of 2023 and may soon exceed the barrier of PLN 700,” reports Rankomat. ”
As the average policy explains, it was 23 PRO. compared to the level a year ago, so the growth is much larger than inflation.
Rates for civil liability in 2025
The average rate for OC in January amounted to PLN 693 – according to the data from rankomat.pl. In 2024 it was PLN 563, and a year earlier PLN 490. “If the rate of growth persists, the average price of a compulsory policy next year will exceed PLN 900” – forecast experts from Rankomat.
– There is no indication that liability price increases should stop. After 3 quarters of 2024, insurers in the communication insurance segment recorded a loss of PLN 328.8 million. This loss in 3 months increased by virtually 100 percent. Although at the same time they collected by 12 percent. More contributions, the average value of damage increased by almost 11 percent. and is already 10.5 thousand zloty. It's over PLN 1,000 more than a year ago. Considering these factors and inflation, or rising insurance costs, you can be sure of further increases – says Grzegorz Demczyszak from Ranekomat.pl.
Why do policies get more expensive?
Experts add that not all drivers will feel increases to the same extent. The rate of the rate depends on the place of residence, accident statistics in the region, the history of damage, as well as the age of the driver or data technical vehicle. As they add, the vehicle brand is also important. The engine power and the mileage of the vehicle may also affect – the higher, the greater the risk of damage.
“People with damage to their account, young drivers and residents of large and particularly 'accident' agglomerations will feel the increase most. The statistical driver from Gdańsk is already paying almost PLN 900 for their policy,” we read.
As they explain, “increases depending on the brand reach from 20 % in the case of BMW to 24 percent for Skoda, Fiat or Renault. Changes in the amount of amount are from about PLN 130 to around PLN 140. However, the average BMW policy will be PLN 156 more expensive than for Skoda, which is the cheapest in insurance. “
“However, it should be remembered that each insurer values the risk of damage to individual groups of drivers differently. Therefore, in times of increases, it is worth comparing the offers of various insurers to find the most advantageous option” – explain the experts in rankomat.pl.
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