If you plan to drive in Albania — whether as a local resident or a foreign visitor — understanding the country’s car insurance requirements is essential. Albania has clear laws that define which types of car insurance are mandatory and what happens if you drive without one.
In this article, we’ll explain why car insurance is required by law, what coverage it includes, and how to buy valid car insurance in Albania online in just minutes.
1. Legal Obligation for Drivers
Yes, car insurance is mandatory in Albania. Every motor vehicle operating in the country must be insured under a third-party liability policy, also known as TPL insurance.
This requirement is defined by Law No. 32/2021 “On Compulsory Insurance in the Transport Sector”, which makes insurance a legal condition for road circulation. The purpose of this law is to ensure financial protection for third parties in case of an accident.
In simpler terms — if you cause an accident, your insurance will cover the damages or injuries of the other person involved. Without it, you are personally liable for all costs, which can lead to serious financial and legal consequences.
2. What Happens If You Don’t Have Insurance
Driving without valid car insurance in Albania is considered a violation of traffic law and carries several penalties:
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Fines ranging from 10,000 to 40,000 ALL (€90 – €360) depending on the situation
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Seizure of license plates or vehicle registration
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Suspension of your driving rights until proof of insurance is provided
Police officers and traffic authorities have access to a central electronic system that can verify your car’s insurance validity instantly. That means driving uninsured is nearly impossible to hide — and not worth the risk.
3. Types of Car Insurance in Albania
While third-party liability insurance is mandatory, there are additional optional coverages that drivers can choose for more protection:
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Kasko (Full Coverage) – covers your own vehicle in case of damage, theft, or natural disasters.
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Passenger Accident Coverage – covers passengers inside your vehicle.
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Green Card / Border Insurance – for vehicles traveling abroad or entering Albania.
If you’re unsure which insurance type fits your needs, you can compare multiple options online through trusted platforms like siguracionmakineonline.al, which lets you calculate prices and complete the purchase digitally.
4. Insurance for Foreign Drivers
If you enter Albania with a foreign vehicle, you must present proof of valid insurance at the border. If your country is not part of the Green Card system, you are required to buy border insurance upon entry.
This temporary insurance provides the same third-party coverage for a limited period (usually 15–30 days) and ensures you comply with Albanian road laws during your stay.
5. Why Mandatory Insurance Is Important
Car insurance isn’t only a bureaucratic rule — it protects both drivers and victims.
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It ensures that accident victims receive compensation without lengthy disputes.
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It reduces financial risk for drivers in case of an accident.
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It supports the development of a safer and more responsible driving culture across the country.
Without compulsory insurance, many victims would be left uncompensated, and drivers could face long-term financial burdens.
6. Final Thoughts
To sum it up: yes, car insurance is mandatory in Albania, and driving without it can result in fines and other penalties. The minimum legal requirement is third-party liability insurance, but adding full coverage (“Kasko”) is always recommended for better protection.
If you want a fast, legal, and affordable way to buy your policy online, visit siguracionmakineonline.al — a reliable platform that lets you compare offers, purchase instantly, and drive worry-free.