What Determines Your Compulsory Traffic Insurance Price? (Tier System)
Traffic insurance is mandatory but its price isn't fixed. We explain how the tier system and other factors affect the premium.
Updated: 2026-08-09 · 5 min read
Although compulsory traffic insurance is a legal requirement, its price is not the same for everyone. The most important mechanism setting the premium is the no-claims tier system; alongside it, the features of the vehicle and driver also affect the price.
How does the no-claims tier system work?
Traffic insurance uses an 8-tier system. Each year you go without reporting a claim you move up a tier and your discount grows. When you report an at-fault claim the tier drops and your premium rises. This system is tied to the driver/policyholder, not the car, and is preserved even if you switch insurers.
Other factors affecting the price
- Vehicle type, engine power and age
- Province of registration / region: premiums may rise in high-accident provinces
- Policyholder's claims history (tier)
- Purpose of use (private/commercial)
How to save on traffic insurance?
Because traffic insurance coverage is defined by law, there is no scope difference between insurers; the difference is in price. So the smartest way to save is comparison:
- Get quotes from several insurers before renewal; the price for the same coverage can vary.
- Protect your no-claims tier — factor in tier loss for small claims.
- Keep the policy continuous; a lapse can cause tier loss.
As Seferihisar Sigorta we compare your traffic insurance across 30+ insurers and send the most affordable premium for the same legal coverage on WhatsApp within minutes.
Frequently Asked Questions
If I switch insurers, do I lose my no-claims discount?
No. The tier is tied to the driver/policyholder and is preserved even if you change insurers.
Is the traffic insurance price the same at every insurer?
Coverage is the same by law, but the price varies between insurers. That's why comparison matters.
Will my tier drop for a small claim?
Reporting an at-fault claim can lower your tier. For small damages it's worth weighing the tier loss.