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'Bonus malus' system/ From January 2026 prices will 'FLY', here's how much car insurance rates will increase!

2025-12-01 13:27:45Biznes SHKRUAR NGA REDAKSIA VOX
Financial Supervisory Authority

From January 2026, it is expected that auto insurance rates will experience another increase, the second in a 12-month period.

The Financial Supervisory Authority itself justifies the changes that will occur with the entry into force of the bonus-malus system, which according to the AFSA will benefit 96% of managers.

But since January of this year, drivers have faced increases of up to 30 percent in car insurance rates, an increase coordinated among companies in the market and approved by the Financial Supervisory Authority .

The bonus-malus system is viewed with skepticism even by road safety experts. According to Fadil Likaj, for 2025, insurance has been cut by 2-5 thousand new lek more expensive.

If insurance for a car with 2,000 horsepower in 2024 cost 16,000 lek, for 2025 the insurance bill is no less than 20,000 lek.


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