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Quick RCA Premium Calculator

Use this online tool to estimate how much RCA insurance will cost you, based on your profile and vehicle data.
RCA Estimate for 2026

Required data:

  • Personal data (CNP, date of birth, etc.)
  • Vehicle data (registration number, VIN)

What Influences the Estimated Cost?

The value of the RCA policy is calculated based on several factors relevant to your risk profile.
Driver age
Young or senior drivers generally have a higher premium due to statistical risks.
Driving history
A clean history with no claims can significantly reduce the premium cost.
Technical characteristics
Engine power, year of manufacture, and other details influence the estimated cost.
Residence area
The locality where the vehicle is registered can affect the price depending on regional risks.
Vehicle usage type
Commercial or intensively used vehicles may have higher premiums than personal ones.
Insurance duration
The length of your RCA policy influences the total value — over a longer term, the monthly cost may be lower.
Frequently Asked Questions About RCA Insurance
Quick answers about RCA insurance in Moldova.

What is RCA insurance in Moldova?

RCA (Răspundere Civilă Auto) is mandatory third-party liability insurance for all registered vehicles in Moldova. It covers damages you cause to other people or their property in a traffic accident.

How is the RCA premium calculated?

The premium depends on the driver's age, driving history (bonus-malus class), vehicle type, engine power, registration area, and the insurance period. Each insurer uses these factors to determine the final price.

What documents do I need to buy RCA?

You need your ID card (buletin), vehicle registration certificate, and the previous RCA policy if renewing. For new vehicles, the purchase invoice and temporary registration are required.

How long is an RCA policy valid?

RCA policies in Moldova can be purchased for periods of 1 to 12 months. The most common is 12 months, which offers the best monthly rate.

What happens if I drive without RCA?

Driving without valid RCA insurance in Moldova results in a fine. In case of an accident, you will be personally liable for all damages caused to third parties, which can be extremely costly.

Check RCA Policy
Check the status of the insurance policy and its details by entering the registration certificate number or unique identification code (IDNV) and the vehicle's registration number.
Vehicle claims history
Quickly obtain data from the vehicle’s claims files managed by insurance companies in Moldova or, if applicable, BNAA, by entering the vehicle’s unique identification code (VIN).