Kyrgyzstan to Enforce Mandatory Car Insurance in July 2025

Beginning July 1, 2025, all vehicle owners in Kyrgyzstan will be subject to fines if they fail to obtain mandatory car insurance. Individuals found without coverage will face a penalty of 3,000 Kyrgyz soms (approximately $35), while foreigners and legal entities will be fined 13,000 soms (around $150), according to the State Insurance Organization (SIO). The introduction of penalties is expected to promote greater discipline among drivers and boost overall insurance coverage nationwide. “Compulsory car insurance protects not only car owners but also other road users. It helps reduce social tensions, lowers the number of legal disputes, and eases the financial burden on citizens,” the SIO stated in comments to The Times of Central Asia. Although the law on compulsory Motor Third-Party Liability (MTPL) insurance was passed in 2016, widespread public opposition and a lack of supporting infrastructure led to multiple delays in its enforcement. The most recent postponement, in January 2025, deferred fines for individuals once again. Authorities now affirm that no further delays will be made. The SIO emphasized that the measure aligns Kyrgyzstan with international norms. "In countries with a high culture of insurance, compulsory MTPL insurance is an integral part of road safety systems. Kyrgyzstan is moving steadily in this direction,” representatives said. Data from the National Statistical Committee shows that 7,100 traffic accidents were recorded in Kyrgyzstan in 2024, continuing a yearly upward trend. Some experts have expressed skepticism about the law’s effectiveness, citing the country’s large and growing vehicle fleet. However, the SIO remains confident in its capacity to manage the increased demand. “Our financial model includes calculating potential risks and setting aside funds for payments. This means that even if the accident rate rises, the SIO can still meet its obligations to insured drivers on time and in full,” the organization assured. As enforcement looms, authorities and insurers are urging the public to prepare and comply with the law to help foster a safer and more financially secure road environment in Kyrgyzstan.