What does this calculator show?

This tool shows the maximum gross premium listed in the SBM table for mandatory traffic insurance in Turkey. The result depends on the selected period, province, vehicle group, basamak step, person type, fuel type and disabled-discount status.

It does not request an insurer quote, sell a policy or search for the cheapest offer. It gives a structured way to read the official maximum gross premium value for the selected table combination.

What is mandatory traffic insurance in Turkey?

Mandatory traffic insurance is the compulsory motor vehicle liability insurance used in Turkey. It is designed to cover certain damages caused to third parties by a motor vehicle in traffic.

It should not be confused with kasko, which is a voluntary comprehensive vehicle insurance product. Traffic insurance is compulsory and focuses on liability to third parties; kasko may cover damage to the insured vehicle itself depending on the policy.

For foreign residents, a practical question often comes before the coverage question: do you need traffic insurance before you can register the car? In Turkey, traffic insurance is a prerequisite for vehicle registration, not a step that can be completed after. If you are transferring ownership or registering a vehicle for the first time, the traffic insurance policy must already be in place before the registration transaction is completed.

The SBM table ceiling and the actual premium an insurer quotes you are two different things. If you are new to Turkey, the ceiling in the SBM table is best understood as the upper boundary the system sets for a specific combination of inputs — period, province, vehicle group, step, person type, fuel type and disabled-discount status. The insurer then issues their own quote. That quote may be lower, and it will reflect the insurer's own commercial rules and conditions. The calculator shows the ceiling from the official table, not the insurer's quote.

What does maximum gross premium mean?

Maximum gross premium is the upper premium value shown in the relevant SBM table row for a given period and vehicle combination. It is a ceiling-style table value, not the actual price that every insurer must quote to every customer.

The premium you see from an insurance company may be below, equal to or otherwise shaped by insurer-specific conditions. Therefore, the calculator result should be used as a reference value, not as a purchase price.

• Maximum gross premium: the upper value shown in the SBM table.
• Insurer quote: the actual price offered by a company or intermediary.
• Policy premium: the amount attached to the policy at purchase stage.
• Market offer: a commercial price that may differ by insurer, channel and date.

Why is there no single traffic insurance price?

Many users expect one simple answer to “How much is traffic insurance in Turkey?” The official table is more detailed than that. It separates values by province, vehicle group, basamak, person type, fuel type and disabled-discount status.

This is why two users may see different maximum gross premiums even if both are asking about mandatory traffic insurance. A motorcycle, a passenger car, a commercial van and a tractor are not treated as one generic vehicle category.

• Province or plate code changes the table row.
• Vehicle group separates passenger cars, motorcycles, vans, tractors, buses and other groups.
• Basamak is one of the main table dimensions affecting the premium.
• Person type distinguishes individual and legal-entity insureds.
• Fuel type separates electric and non-electric rows where the table does so.
• Disabled discount status selects the corresponding E/H row in the dataset.

Why does the period matter?

The SBM maximum gross premium table is period-based. This calculator currently includes separate datasets for April 2026, May 2026 and June 2026. Changing the period can change the result for the same province and vehicle combination.

For this reason, the selected period should always be read together with the result. A June 2026 value is not automatically the correct value for a later month unless the dataset has been updated.

How does province affect the result?

The table uses the province or plate-code dimension. This means that Istanbul, Ankara, Izmir and other provinces can show different maximum gross premiums for the same vehicle group and basamak.

Users often compare prices seen online without noticing the province behind the example. That can be misleading. The province must match the relevant plate/province context for the vehicle.

Why does vehicle group matter?

Vehicle group is one of the most important dimensions in the table. Passenger cars, motorcycles, vans, minibuses, buses, tractors and trailers are not treated as one category.

Choosing the wrong vehicle group can produce a result that belongs to a different part of the table. This is especially important for commercial vehicles, motorcycles, agricultural machinery and trailers.

• Passenger car is one of the most common search cases.
• Motorcycle values are listed separately from passenger cars.
• Vans and commercial-use groups may have different maximum premiums.
• Tractors, agricultural machines and trailers are separate groups that many users do not expect to see in traffic insurance tables.

What is basamak in Turkish traffic insurance?

Basamak is the step value used in the traffic insurance table. The calculator lets you choose a value from 0 to 8 and then reads the corresponding table row.

Basamak is related to the insurance history and claim status system, but this page does not calculate your basamak and does not invent discount or surcharge rates. It only shows the maximum gross premium for the basamak you select.

What do ÖZEL and TÜZEL mean?

ÖZEL generally refers to an individual insured person. TÜZEL refers to a legal entity such as a company or institution.

The same province, vehicle group, basamak and fuel type may show a different maximum gross premium for ÖZEL and TÜZEL. Company vehicles, fleet vehicles and institution-owned vehicles should be checked with the correct person type.

Fuel type: DİĞER and ELEKTRİK

The calculator follows the fuel-type split present in the dataset. DİĞER means the non-electric or other fuel group. ELEKTRİK refers to electric vehicle rows.

Electric vehicles can have different maximum gross premium values from the DİĞER category in some combinations. This makes the calculator useful for understanding how electric vehicles appear in the SBM table.

• For petrol, diesel and LPG-like non-electric cases, DİĞER is generally the relevant dataset row.
• For fully electric vehicles, ELEKTRİK should be selected.
• For hybrid vehicles, the relevant policy or insurer classification should be checked separately.

How should disabled discount be read?

The disabled-discount field reflects the E/H split in the official dataset. H means no disabled discount row; E means the row where disabled discount applies.

The calculator does not decide whether the user is legally eligible for that discount. It simply lets the user select the corresponding row in the SBM table.

How to use the calculator

1. Select the period. The latest loaded period is selected by default.
2. Choose the province or plate province.
3. Choose the vehicle group according to the official table category.
4. Select the basamak value between 0 and 8.
5. Choose the person type: ÖZEL or TÜZEL.
6. Select fuel type: DİĞER or ELEKTRİK.
7. Select disabled-discount status and press the calculate button.

The result shows the maximum gross premium and repeats the selected dimensions below it. This is intentional: it helps prevent reading a premium value without knowing which table combination produced it.

Example: Istanbul passenger car, June 2026

For June 2026, if you choose Istanbul, passenger car, basamak 4, individual person type, DİĞER fuel and no disabled discount, the calculator shows 18,421 TL as the maximum gross premium from the SBM table.

If you change person type to TÜZEL or fuel type to ELEKTRİK, the result may change. This demonstrates that the table is not based on vehicle type alone.

Using the result to check insurer offers

The maximum gross premium can help users understand where an insurer quote sits relative to the table’s upper value. It is a reference point, not a replacement for an actual offer.

A real offer should still be checked with the insurer or intermediary, including policy start date, vehicle details, payment conditions and the current official period.

Traffic insurance vs kasko

Traffic insurance is mandatory liability insurance. Kasko is voluntary comprehensive insurance for risks related to the insured vehicle itself, depending on policy coverage.

A vehicle owner should not use the traffic insurance value as a substitute for kasko cost. For a realistic ownership-cost view, traffic insurance, kasko, motor vehicle tax, fuel, maintenance and inspection costs should be considered separately.

• Traffic insurance is mandatory; kasko is usually optional.
• Traffic insurance focuses on third-party damage; kasko may cover the insured vehicle.
• This calculator shows traffic insurance maximum gross premium; it does not calculate kasko premium.

Common mistakes

• Reading maximum gross premium as an insurer quote.
• Selecting the wrong province or plate code.
• Choosing passenger car when the vehicle should be in another group such as van or motorcycle.
• Guessing the basamak value.
• Ignoring ÖZEL/TÜZEL person type.
• Selecting DİĞER for an electric vehicle.
• Treating disabled-discount selection as an eligibility decision.
• Confusing traffic insurance with kasko.

These mistakes can lead to reading a premium from the wrong table row. Vehicle group and basamak errors are especially likely to change the result significantly.

Limitations of this calculator

This calculator shows the value in Hesapstan’s loaded SBM maximum gross premium dataset. It does not generate insurer quotes, issue policies, calculate installments or compare insurance companies.

• It shows only the periods available in the dataset.
• New monthly tables must be added separately when published.
• It does not calculate kasko, motor vehicle tax, inspection fees or traffic fines.
• It does not include insurer-specific campaigns or discounts.
• It does not determine your basamak automatically.
• It does not determine whether disabled discount eligibility exists.