Compulsory traffic insurance price caps were increased by approximately 2% in September. While premiums vary by risk tier, claims history, type of use and province, the difference between the highest-risk group and the group with the highest no-claims discount reached approximately 6 times. In Istanbul, the tier 4 premium for internal combustion engine cars was 19,405 TL; it was 58,214 TL in tier 0 and 9,702 TL in tier 8. The tier 0 and tier 8 amounts were set at 56,566 TL and 9,428 TL in Ankara, and 54,919 TL and 9,153 TL in Izmir.
For commercial taxis, premiums for the same tiers were 172,447 TL and 28,741 TL in Istanbul, 167,566 TL and 27,928 TL in Ankara, and 162,686 TL and 27,114 TL in Izmir. In Istanbul, the premium for buses with 31 or more seats reached 423,661 TL in tier 0 and 70,610 TL in tier 8.
Those who delay taking out a policy are subject to a 5% surcharge for every 30 days; the rate can rise to 50%. A driver in tier 1 is moved down to tier 0 if they are at fault in three or more accidents resulting in compensation payments in the same year. The fine for driving an uninsured vehicle is 1,246 TL; in the event of an accident, those responsible must pay a 2,039 TL fine as well as cover all losses suffered by the other party.
Why it matters
The nearly sixfold variation in the tariff across tiers shows that a driver’s claims history has a much greater impact on insurance costs than differences between cities. This structure is particularly relevant to commercial taxi and high-capacity bus operators; for these vehicles, premiums in the highest-risk tier are far above the amounts announced for private cars. Delaying policy renewal not only creates the risk of administrative penalties but also raises insurance costs because of the surcharge applied every 30 days. The fact that at-fault accidents can move a driver down to tier 0 means that claims recorded within the same year are directly reflected in the policy price. Since the announced figures represent the maximum tariff, the question that remains open for drivers is what the final premium will be based on the province, vehicle type and claims history.
Background
Yürürlüğe is not a new name in the FikirPilot archive: in the past 90 days, we published one article mentioning this name; that article was dated September 13, 2026.