New Green Card Tariffs in Moldova Starting October 4, 2026: What Will Change and How Much Will Insurance Cost?
Starting October 4, 2026, new reference premiums will come into effect in Moldova for compulsory external motor third-party liability insurance, commonly known by drivers as Green Card.
The changes were approved by Decision No. 198 of the Executive Committee of the National Bank of Moldova, dated August 20, 2026. The document was published on August 25, 2026, and enters into force on October 4, 2026.
For some transport categories, the new values will be lower than before, while for others they will be higher. In particular, the published comparison shows a decrease in reference premiums for passenger cars and motorcycles, while increases are предусмотрены for a number of commercial and passenger transport vehicles.
At the same time, already-issued Green Card policies will remain valid until the end of the period for which they were issued.
What is changing in brief:
- new values apply from October 4, 2026;
- Green Card reference premiums are changing;
- insurance may become cheaper for some categories;
- it will become more expensive for some commercial and passenger transport categories;
- an already-active policy does not need to be changed;
- the final policy price may differ from the reference premium;
- the exact price should be calculated based on the specific vehicle and travel period.
What will change in the Green Card from October 4, 2026
The National Bank of Moldova has approved new calculation values for compulsory motor third-party liability insurance, both domestic RCA and external RCA, known as the Green Card. Decision No. 198 of August 20, 2026, enters into force on October 4, 2026.
This means that Green Card policies issued or renewed after this date will be calculated based on the new reference premiums.
For drivers, the main change is that the cost will depend on the vehicle category and insurance period, and in some cases the new reference premium will be lower than before.
Will the Green Card become cheaper in 2026?
For some categories — yes.
According to the published comparison, for passenger cars in Zone 3, the reference premium for a 15-day policy decreases from €34.94 to €31.58.
The difference is:
−€3.36, or approximately −9.6%.
For motorcycles, the reference premium for 15 days decreases from €33.26 to €30.91.
The difference:
−€2.35, or approximately −7.1%.
This shows that the new tariffs do not automatically mean higher costs for all vehicle owners.
For which Green Card categories may prices increase?
At the same time, reference premiums are increasing for a number of commercial and passenger transport vehicles.
The comparative material indicates that the most significant percentage increase applies to vehicles intended for passenger transportation with a capacity of up to 17 seats.
Therefore, owners of minibuses, commercial vehicles, and passenger vehicles should pay particular attention to the new values for their specific category rather than relying on the average market change.
Green Card tariff comparison: 2025 vs. 2026
Below is an example of changes in reference premiums based on the published comparison.
| Category | Period | Zone | 2025 | 2026 | Change |
|---|---|---|---|---|---|
| Passenger car | 15 days | Zone 3 | €34.94 | €31.58 | −9.6% |
| Motorcycle | 15 days | Zone 3 | €33.26 | €30.91 | −7.1% |
Important: these values are reference premiums, not necessarily the final price the customer will pay.
The actual policy price charged by an insurance company may be higher than the reference premium. The published material specifically notes that final prices will be displayed starting October 4, 2026.
What is Zone 3 in the Green Card?
In Green Card tariffs, the cost depends not only on the vehicle category but also on the territory covered by the policy.
The comparative material uses the designation Zone 3, which refers to the European coverage area.
For the user, this means that the Green Card price depends on the countries in which the vehicle will be used.
Before purchasing the policy, it is important to check:
- which countries are included in the selected zone;
- whether the policy covers the entire travel route;
- whether the insurance validity period matches the travel dates.
If the route includes several countries, the policy must remain valid throughout the entire trip.
How much does a 15-day Green Card cost?
For many drivers, one of the most common questions is how much a Green Card costs for the minimum or a short insurance period.
According to the published examples for Zone 3:
| Vehicle | 2025 | 2026 | Difference |
|---|---|---|---|
| Passenger car | €34.94 | €31.58 | −€3.36 |
| Motorcycle | €33.26 | €30.91 | −€2.35 |
These figures represent reference values, not a guaranteed final price for a specific policy.
For the exact price, an individual calculation is required.
How much does a Green Card cost for 1 month, 3 months, 6 months, and 12 months?
The cost of a Green Card depends on the policy validity period.
The longer the insurance period, the higher the total cost, but the exact ratio depends on the current tariff schedule for the specific vehicle category and coverage zone.
Therefore, when travelling for a longer period, it is better not to calculate the price proportionally based on the 15-day tariff.
For example, you cannot simply multiply the 15-day price by two and assume that this will be the price for one month.
Separate established values are used for each insurance period.
Recommendation: on the Rapidasig page, it is better to display a separate calculation for the following periods:
- 15 days;
- 1 month;
- 2 months;
- 3 months;
- 6 months;
- 12 months.
This allows the user to immediately see the price for their specific trip.
What determines the price of a Green Card?
The policy price is not based on one universal tariff.
The price is affected by:
Vehicle category
Different values may apply to passenger cars, motorcycles, minibuses, trucks, and other types of vehicles.
Coverage territory
The cost depends on the zone in which the vehicle will be used.
Policy validity period
A policy can be issued for different periods, so the price for 15 days will differ from the price for several months.
Reference premium
It serves as a reference for the calculation.
Insurer’s commercial terms
The actual price may differ from the reference premium because insurers determine their final offer based on the applicable rules and their expenses. This is also specifically noted in the published comparative material.
What is the difference between the reference premium and the final Green Card price?
It is important to understand this distinction so that the figures in the tables are not confused with the actual purchase price.
| Term | Meaning |
|---|---|
| Reference premium | Calculated indicative value |
| Final policy price | The amount actually paid by the customer |
| Validity period | The period for which the insurance is issued |
| Zone | The territory covered by the policy |
Therefore, if the table shows, for example, €31.58, this does not mean that every driver will necessarily purchase the policy at exactly this price.
Do you need to replace an already-issued Green Card?
No.
A policy purchased before October 4, 2026, remains valid until the end of its validity period.
The new values apply to policies issued or renewed after the decision enters into force.
Therefore, an existing Green Card does not need to be reissued solely because of the tariff changes.
What to do if your trip starts after October 4, 2026?
If you are planning a trip after October 4, you should check:
- the expiration date of your current Green Card;
- whether the policy covers the entire travel period;
- whether a new policy will be required;
- what price will apply to your vehicle category.
If the current policy covers the entire travel period, there is no need to purchase a new one.
If its validity expires before you return, a new policy will be required.
Can you purchase a Green Card in advance?
If your current policy is expiring or your trip is planned for a period after October 4, 2026, it makes sense to check the price in advance.
However, the decision to purchase should not be based solely on the general statement that “the Green Card will become cheaper.”
Prices are decreasing for some categories and increasing for others.
It is better to calculate the policy specifically for your vehicle, insurance period, and route.
For which trips is a Green Card required?
The Green Card is intended for international vehicle trips to countries participating in the international insurance system.
The policy must remain valid throughout the entire trip.
This is especially important when transiting through several countries: the insurance must cover the entire route and the entire period spent outside the country.
Why can’t you rely only on another driver’s price?
Even if two people are travelling to the same country, the price may differ.
Reasons include:
- different vehicle categories;
- different insurance periods;
- different coverage zones;
- different conditions of the specific policy.
Therefore, it is more accurate to compare your own calculated price rather than someone else’s price.
What happens if you travel without a Green Card?
For trips to countries where a Green Card is required, not having a valid policy may create problems when crossing the border and especially in the event of an accident.
The main risk is the absence of confirmed insurance coverage for the driver’s liability outside Moldova.
Therefore, before travelling, it is important to check not only whether you have a policy, but also its expiration date.
How to purchase a Green Card online
On Rapidasig, the process can be made as simple as possible:
- select the vehicle type;
- specify the travel period;
- select the coverage territory;
- enter the required information;
- check the price;
- purchase the policy online.
For users, this format is more convenient than searching for the tariff manually in a large table.
Why does the BNM update reference premiums?
Reference premiums are periodically reviewed.
The published material states that the BNM recalculates them based on insurance market statistics and changes in risks for different vehicle categories.
This is why the new values may either increase or decrease.
In 2026, this is particularly noticeable: reference premiums decrease for some passenger cars and motorcycles, while some commercial transport categories receive increases.
Frequently asked questions about the new Green Card tariffs for 2026
When do the Green Card tariffs change?
The new values take effect on October 4, 2026.
Will the Green Card become cheaper for passenger cars?
In the example provided for Zone 3 and a 15-day period, the reference premium decreases from €34.94 to €31.58.
Will the Green Card become cheaper for motorcycles?
For a 15-day policy, the value in the comparison provided decreases from €33.26 to €30.91.
Will all tariffs become cheaper?
No.
Premiums are increasing for a number of commercial and passenger transport vehicles.
Do I need to replace a Green Card I have already purchased?
No.
An existing policy remains valid until the end of its validity period.
How much does a Green Card cost for 15 days?
The cost depends on the vehicle category and zone.
In the example provided for a passenger car in Zone 3, the new reference premium is €31.58.
What determines the price of a Green Card?
It depends on the vehicle category, coverage zone, policy period, and the insurer’s terms.
Where can I find the exact price?
The exact price should be obtained through an individual calculation.
Check the Green Card price on Rapidasig.md
New Green Card tariffs for 2026: key points to remember
Starting October 4, 2026, new reference premiums for compulsory external motor third-party liability insurance — Green Card — will apply in Moldova.
The changes were approved by BNM Decision No. 198 of August 20, 2026. The document was published on August 25, 2026, and enters into force on October 4.
For some vehicle categories, the new values are lower than before. For example, in Zone 3, the 15-day reference premium for passenger cars decreases from €34.94 to €31.58, while for motorcycles it decreases from €33.26 to €30.91.
At the same time, increases are предусмотрены for some commercial and passenger transport categories.
Existing policies do not need to be changed.
Therefore, the best way to determine how much the policy will cost for your specific trip is to calculate it based on your vehicle, insurance period, and coverage zone.
Calculate the Green Card price on Rapidasig.md and purchase the policy online
Official source: Decision No. 198 of the Executive Committee of the National Bank of Moldova dated August 20, 2026, approving the calculation of basic insurance premiums, adjustment coefficients, and reference premiums for compulsory domestic and external civil liability insurance of vehicle owners. The document was published on August 25, 2026, in Official Gazette No. 390–393, art. 703, and enters into force on October 4, 2026.