According to information from the State Registration Service, there are over 1.9 million vehicles registered in the country. This number leads to a high frequency of road traffic accidents. Since the beginning of 2026 and up to March 13, about 28,000 OSAGO policies have been issued, which is 1.56% of the total number. As a result, during this period, 499 traffic accidents occurred, and owners of the damaged vehicles were paid 50 million 628 thousand soms in compensation.
In 2025, approximately 353 thousand citizens insured their civil liability. In the same year, 901 traffic accidents were registered, and compensations amounted to 86 million 238 thousand soms.
In 2025, the number of insured vehicles in the regions was distributed 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 insurance organization actively collaborates with local authorities, conducting explanatory activities for the population. There are about 1,500 OSAGO agents operating in the regions.
The most convenient way to insure a vehicle is through online registration. There is no need to visit offices: many mobile applications offer the possibility of obtaining an OSAGO policy. It is sufficient to have a passport, driver's license, and technical passport of the vehicle.
— Can we assert that the culture of insurance among vehicle owners is growing based on this data?
With the increase in the number of insured vehicles, the amount of compensation paid and the trust of citizens in insurance organizations also rise. As a result, insurance indicators are growing every year. If we consider all types of insurance, in 2023, 27 million soms were paid out, in 2024 — 70 million, in 2025 — 146 million, and just in the first two months of the current year, already 81 million soms. This year, it is planned to increase total payouts to 400 million soms.
The culture of insurance is indeed showing growth. In 2025, 360,928 people insured their civil liability, which is approximately 20% of the total number of vehicle owners.
