Motor liability insurance (RCA) rises from October 4: base premium up to 1,420 lei

1,420 lei is the new base premium for compulsory domestic motor third-party liability insurance (RCA), applied from October 4. It used to be 1,257 lei, an increase of about 13%.

The new premiums and coefficients were approved by the National Bank of Moldova in a decision dated August 20, 2026, and published on August 25. The base premium is only the starting point: the final policy price depends on the driver’s age and experience, the vehicle, the place of registration and the claims history (bonus-malus). So the increase will not be 13% for everyone — some passenger cars may even get cheaper policies, while legal entities and trucks may face larger increases.

What it means for you

• If your policy expires in October, it will already be priced under the new rules.
• Companies with vehicle fleets and carriers should update their insurance budgets.
• Compare quotes from several insurers — coefficients are applied individually.

Source: Bani.md, 02.10.2026