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Owning a car brings freedom, but it also brings responsibilities and bills. Between fuel, maintenance, and registration, the last thing you want to do is overpay for insurance. In 2026, the Czech insurance market is more competitive than ever, and ePojisteni remains the leading platform to find the best deals.
Whether you are looking for the legally required Povinné ručení (Third-Party Liability) or the comprehensive protection of Havarijní pojištění (Collision/All-Risk Insurance), this guide will help you navigate the best offers available right now.
ePojisteni isn't just a comparison tool; it’s a powerhouse that negotiates special "non-public" rates with major insurers like Allianz, Generali Česká pojišťovna, and Kooperativa. Because they handle thousands of contracts every week, they can offer prices you won't find by going directly to the insurance company's website.
Garance nejnižší ceny: If you find a better offer elsewhere, they promise to match it.
Speed: You can have your "Zelená karta" (Green Card) in your email inbox within minutes of paying.
Huge Discounts: In 2026, many users are seeing discounts of up to 50% compared to standard market rates.
Bonus Transfer: They automatically pull your accident-free history from the Czech Insurance Office (ČKP) to apply your maximum possible discount.
In 2026, the minimum legal limit for coverage has increased to 50 million CZK for health and property. However, ePojisteni often suggests higher limits (100/100 or 150/150) because the price difference is often just a few hundred crowns per year.
Car Model | Engine Capacity | Est. Annual Price | Average Savings |
Škoda Fabia | 1.0 TSI | 1,620 CZK | 1,100 CZK |
Hyundai i30 | 1.0 T-GDi | 1,512 CZK | 1,350 CZK |
Škoda Octavia | 1.5 TSI | 1,764 CZK | 1,200 CZK |
Volkswagen Golf | 1.4 TSI | 1,896 CZK | 1,500 CZK |
Tesla Model Y | Electric | 2,815 CZK | 1,800 CZK |
Note: Prices vary based on the driver's age, location (Prague is usually more expensive than smaller towns), and "Bonus" months.
While third-party liability is mandatory, Havarijní pojištění is what protects your car if you cause an accident, if your car is stolen, or if a storm damages it.
The biggest deal on ePojisteni this year is the Bundle Discount. If you buy both your mandatory insurance and collision insurance together, companies like ČPP or Generali often shave an extra 20–25% off the total price.
Gap Insurance: Highly recommended for new cars. It ensures that if your car is totaled, you get the full purchase price back, not just the "market value."
Glass Coverage: With the rise of high-tech sensors in windshields, replacing a screen is now very expensive. Adding this for a few hundred crowns is a top-tier deal.
Animal Collision: Especially if you drive outside of main cities, this is a must-have add-on that ePojisteni often includes in their "Premium" packages.
Shop Now to get the best car insurance for yourself.
To truly "hack" the system and get the best deal on ePojisteni, follow these simple steps:
Use your SPZ (License Plate Number): The system will automatically pull your car's exact technical specs, ensuring the quote is accurate.
Annual Payments: Paying for the whole year at once is usually 5 to 10% cheaper than paying quarterly.
Check for "Bonus" months: If you have been driving without an accident for 10 years, you could get a discount of up to 60%.
Security Matters: Does your car have a GPS tracker or a mechanical lock on the gear stick? Make sure to tick these boxes, as they lower the theft insurance cost.
Yes, the service is completely free for the customer. They receive a commission from the insurance company, so you never pay extra for using their platform.
Usually, you can only cancel your old insurance at the end of the "insurance period" (with 6 weeks' notice). However, if the insurance company raises your price, or if you just bought the car, you can switch immediately. ePojisteni provides a free cancellation form generator to help you.
As soon as you finish the online application and pay (via card or bank transfer), a temporary Green Card is sent to your email. You can show this to the police on your phone, or print it out.
Yes! Many insurers on the platform now offer "Green Discounts" for electric and hybrid cars, as these drivers are statistically involved in fewer high-speed accidents.
In a year where every crown counts, spending 5 minutes on ePojisteni can save you an average of 2,100 CZK per year. The platform is simple, the support team is professional, and the "Best Price Guarantee" means you have nothing to lose.
If your current insurance is more than a year old, you are likely paying too much. Take a few minutes today to see how much you could be saving.
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