Car Insurance Β· 8 min read

How to find the cheapest car insurance in 2026

A complete guide to RCA mandatory insurance in Romania and how to save up to 40%

What is RCA insurance?

RCA (Răspundere Civilă Auto) is mandatory third-party liability car insurance in Romania. Every vehicle registered in Romania must have a valid RCA policy. It covers damage caused to third parties — other vehicles, people or property — in the event of an accident where you are at fault.

RCA does NOT cover damage to your own vehicle. For that, you need comprehensive (Casco) insurance.

What affects the price of RCA?

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Vehicle age and make

Older or higher-powered vehicles typically attract higher premiums.

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Driver's age

Young drivers (18-25) pay significantly more due to higher statistical risk.

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County of registration

Bucharest and other large cities tend to have higher premiums due to traffic density.

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Claims history (Bonus-Malus)

A clean record earns you significant discounts. Each claim increases your premium.

How to save on car insurance

  1. Always compare before renewing β€” prices vary by up to 40% between providers for the same risk profile.
  2. Pay annually, not monthly β€” monthly instalments typically add 10-15% to the total cost.
  3. Avoid small claims β€” paying a small repair out of pocket protects your Bonus-Malus class and saves more in future premiums.
  4. Compare on renewal, not before expiry β€” start comparing at least 30 days before your policy expires to have time to switch.
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