The increase in payouts for compulsory motor third-party liability insurance (OSAGO) boosts drivers' interest in insurance – GSO

Владислав Вислоцкий Society
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The increase in payouts for OSAGO enhances drivers' interest in insurance – GSO


According to the data from the State Registration Service, there are over 1.9 million vehicles registered in the country. This leads to a high number of road incidents. From the beginning of 2026 until March 13, about 28,000 OSAGO policies were issued, which accounts for 1.56% of the total number. As a result, 499 vehicles were damaged, and the owners received compensation amounting to 50 million 628 thousand soms.

In 2025, approximately 353 thousand citizens obtained insurance for their civil liability. During the same year, 901 road accidents were recorded, leading to payouts of 86 million 238 thousand soms.

— What are the results for OSAGO in different regions?

— In 2025, the number of insured vehicles in the regions was as follows:

Chui Region — 44,827 (11.92%); Osh Region — 63,230 (16.76%); Jalal-Abad Region — 34,066 (14.85%); Batken Region — 27,192 (25.19%); Talas Region — 14,123 (23.75%); Issyk-Kul Region — 28,896 (22.36%); Naryn Region — 21,760 (38.46%). The organization, together with local authorities, is actively engaged in outreach work among the population. There are about 1,500 OSAGO agents operating in the regions.

The most convenient way to obtain car insurance is through remote registration. There is no need to visit offices, as the OSAGO policy is already available in many mobile applications. To register, it is sufficient to have a passport, driver's license, and the vehicle's technical passport.

In collaboration with the traffic safety service, a book titled "Traffic Rules" has been developed, containing conditions for car insurance and addresses throughout the country. Since March 17, it has started to be distributed, including in the regions, providing a lot of useful information.

— Is the culture of liability insurance among vehicle owners increasing?

With the growth in the number of insured vehicles, there is an increase in the amount of compensation payouts and trust from citizens towards our organization. The indicators continue to rise. For example, in 2023, payouts amounted to 27 million soms, in 2024 — 70 million, in 2025 — 146 million, and just in the first two months of the current year, 81 million has already been paid out. This year, it is planned to increase payouts to 400 million soms.

The authorized capital of the insurance company amounts to 1 billion 146 million soms, and it has held leading positions in the rankings for three years. This allows for confidently providing state guarantees.

Indeed, the culture of insurance continues to grow. In 2025, 360,928 people insured their civil liability, which accounted for almost 20% of the total number of vehicle owners.
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