Fines for driving without OGPO in 2026
How much the fine for driving without mandatory insurance is, how cameras work and why buying online is cheaper.
OGPO is mandatory for every driver in Kazakhstan. Driving without a valid policy carries a fine.
The size of the fine
Under Article 230 of Kazakhstan's Administrative Code, driving without an OGPO contract is fined 10 MCI — in 2026 that is ₸43,250 (MCI = ₸4,325).
For comparison: the OGPO policy itself costs an experienced Almaty driver around ₸12,000 a year — more than three times cheaper than a single fine.
Besides the fine, in an accident without a policy you pay all the damage to the injured party out of your own pocket.
How offenders are detected
The policy is checked in the unified database: when stopped by an inspector and, in many cases, automatically by road cameras using the plate number.
The absence of a policy in the database is grounds for a fine, even if you simply forgot to renew it.
Why it's better to buy on time
OGPO usually costs several times less than the fine, and buying takes a couple of minutes online.
The e-policy appears in the database immediately, so you can renew without leaving home.
Key takeaways
- No OGPO means a fine and paying all the damage in an accident.
- The policy is checked in the database, including by cameras.
- Buying online is cheaper and faster than paying the fine.