Car Insurance (OSAGO) in Armenia 2026: Cost, How to Get It and Whether Foreigners Need It
Driving on Armenian roads requires OSAGO car insurance β for any vehicle, including foreign plates. This guide covers how much OSAGO costs in 2026, how to get it online or at the border, what happens if you drive without it, and how much it pays out after an accident.
Do you need OSAGO in Armenia and who
Short answer: yes, mandatory for everyone driving on public roads in Armenia:
- For cars with Armenian plates β mandatory
- For foreign plates β also mandatory, no exceptions
- The policy covers the car, not the driver β you don't list drivers separately, anyone can drive the insured car
Without a valid OSAGO you can't drive on the roads β it's a violation with a fine (details below).
How much does OSAGO cost in Armenia in 2026
- Base premium around 41,000 drams (about $100) under the updated rates from May 2026
- Range of base premiums by risk: from 32,000 to 102,500 drams
- Final price depends on the car, driver and region
The exact price for your car is shown by the calculator on an insurer's website (e.g. Rego Insurance, Ingo Armenia and others). Prices are similar across companies since they use a single Bureau model.
π Planning a road trip around Armenia?
OSAGO is arranged locally, but prepare these in advance:
How to get OSAGO in Armenia: 3 ways
1. Online on an insurer's website
- You need a working bank card
- Enter the car's details. For a foreign plate: choose "Not registered in RA", "Vehicle with foreign plate", and the country
- The plate is entered in Latin letters
- The policy arrives by email
2. At an insurance office β the classic way, good if you don't have a suitable card for online payment.
3. At kiosks at the border β right after the crossing into Armenia there are kiosks where you can buy OSAGO. Convenient if you enter with your own car.
Fine for driving without OSAGO
- Driving without OSAGO β 100,000-dram fine (about $250)
- If the policy has been missing for more than 10 days β an extra 5,000 drams per 10 days (but no more than 100,000 per year)
Given the policy itself costs around 41,000 drams, driving without it makes no economic sense β the fine is 2.5x the insurance price.
How much OSAGO pays out after an accident
- Agreed declaration (europrotocol) β without calling police, for minor damage with both sides agreeing. Max payout: 200,000 drams if the accident is in Yerevan, 100,000 drams elsewhere
- Through the police β for serious damage or disputes. Payouts are higher
Declaration forms come with the OSAGO policy or in a mobile app. Keep them in the car.
What to remember
- OSAGO covers damage to others, not your own car or health β for that you need CASCO and medical insurance separately
- The policy is on the car, any driver is covered
- With a rental, OSAGO is usually included
- Keep the policy and declaration form with you
π Read also
Frequently Asked Questions
How much does OSAGO cost in Armenia in 2026?
Base premium around 41,000 drams (~$100) under May 2026 rates. Range by risk: 32,000 to 102,500 drams. An insurer's calculator gives the exact price.
Do foreign plates need insurance?
Yes, mandatory for any car on Armenian roads. Without it β 100,000-dram fine. Get it online (working card) or at border kiosks.
How do I get OSAGO?
Online on an insurer's site, at an office, or at kiosks right after the border. The policy covers the car β no need to list drivers.
Fine for driving without insurance?
100,000 drams for driving without a policy. If missing more than 10 days β plus 5,000 per 10 days (up to 100,000 per year).