The 10 Best Car Insurance Companies in Tbilisi

Only for foreign-registered vehicles. Georgian law requires the owner or driver of a foreign-plated car to hold compulsory third party liability cover for the whole time the car is in the country, and border officers check it at entry. Driving without it carries an administrative fine of 100 to 200 GEL. Cars on Georgian plates carry no compulsory motor insurance at all, so casco and liability are both voluntary purchases. Leased and financed cars are the practical exception, because the lender usually writes casco into the contract.

MTPL pays the other party when you cause an accident, covering their injuries and their property, and it pays nothing towards your own car. Casco is voluntary cover for your own vehicle and normally responds to collision regardless of fault, plus fire, theft, vandalism, falling objects and natural events such as hail and flooding. Every insurer on this list will attach liability to a casco policy rather than making you run two separate relationships. If you only buy one, match it to your real exposure. An old runabout argues for liability alone. A 60,000 GEL car does not.

Casco here is priced as a percentage of the insured value of the car. GPI Holding and Euroins Georgia both publish a floor of 2% a year, and Aldagi publishes packages from 35 GEL a month. Market guidance puts a typical annual premium at around 3% to 7% of vehicle value, so a mid-range car worth 30,000 to 50,000 GEL tends to land somewhere between 1,000 and 3,000 GEL a year. Newer cars, drivers under 25 and zero-deductible options push it towards the top of that. Treat these as bands rather than quotes and collect two or three real offers.

It is priced by period rather than negotiated, and it varies by vehicle category. For a passenger car, published rates run around 55 GEL for 15 days, 85 GEL for 30 days, 140 GEL for 90 days and 375 GEL for a year, with a cover limit of 300,000 GEL. You can buy it at the border crossing, through the Compulsory Insurance Center at tpl.ge, or online in advance from a licensed seller and have the PDF in your inbox before you arrive. Motorcycles, trucks, buses and trailers are priced on their own scales. Buying ahead mostly saves you a queue at the border.

Do not move the car, which several insurers here state explicitly, and call the patrol police on 112 for an accident report. Georgian insurers work from that report on collision claims. Then call your insurer, which on almost every company on this list means a 24-hour line, and follow their instruction on where the car gets assessed. Assessment usually happens at a partner service centre, and payment timing ranges from a stated 48 hours after appraisal at Unison to a more typical one to four weeks. Photograph the scene, the plates and the damage before anything moves.

The deductible is the slice of every claim you absorb yourself, and it is the main dial on the premium. Aldagi publishes a range of 0.5% to 6% depending on package and driver experience, and both GPI Holding and Prime Insurance name a higher deductible as the standard way to bring the price down. A larger deductible makes sense if you can absorb a bumper repair out of pocket and you are really insuring against a write-off. On a cheap car it makes much less sense, because a 6% deductible can swallow most of a realistic claim.