QCOSTARICA — Owners of vehicles that require the circulation permit or Marchamo for 2025 will pay a higher rate for the Seguro Obligatorio Automotor (SOA) – mandatory insurance – for 2025.
The increase, according to the national insurer, the Instituto Nacional de Seguros (INS), is due to the increase in accidents this year.
This policy represents 25% of the final value of the Marchamo.
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The adjustment was requested by the INS and approved by the General Superintendence of Insurance (Sugese).
Passenger vehicles will pay 3.12% more, as the rate will go from ¢25,031 for the 2024 registration fee, to ¢25,812 in 2025. The rate is one for all vehicles irrespective of their value.
Owners of motorcycles will have to pay 5.47% more, going from ¢89,606 to ¢94,509, in the same period.
For light cargo vehicles (red license plates with CL) such as pickup trucks, the premium growth will be 8.96%, while for special equipment, 6.4%. Other types of vehicles such as buses (0.62%) and taxis (0.55%) will also see an increase, although to a lesser extent.
A greater number of traffic accidents, more injuries and deaths on the road motivate this increase in the SOA for the 2025 vehicle registration.
Road deaths due to traffic accidents went from 833 in 2022 to 922 in 2023 (this is the year used as a guide to calculate the SOA for 2025).
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The number of injuries on motorcycles reached 23,583 in 2023, while a year earlier it had been 20,483. Meanwhile, in the case of light vehicles, the number of injuries went from 8,225 to 9,412.
Almost half of the accidents in the last year have been involving motorcyclists. The total number of injured people rose from 35,776 to 40,439, according to data shared on Tuesday by Sugese.
“The number of injured people is on the rise and seems unstoppable,” said Tomás Soley, insurance superintendent, in a press conference.
“The rates show an increase due to a higher number of accidents resulting in damage to the vehicles and personal injuries, which increased by 15.5% compared to 2022 and exceeded the total number of cases presented in 2019 (pre-pandemic period). This confirms that respect for traffic regulations, patience and prudence when driving are critical factors to reduce these numbers and avoid road deaths,” said Tomás Soley, insurance superintendent.
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The official collection of the 2025 Marchamo will begin on November 1 and will extend until December 31.
Starting January 1, drivers behind the wheel of a vehicle that does not have the 2025 Marchamo are exposed to fines on the road.
Unlike in the years past, when the collection of the Marchamo meant long lines and payment only at authorized INS offices, unlike now that it can be paid at any financial institution and INS offices, there is no grace period.
It must be noted that to receive the 2025 Marchamo sticker, the vehicle has to have its vehicular inspection current. That is to say, owners of vehicles without the vehicular inspection, to avoid late fees and interest, can pay the 2025 Marchamo at any INS office but will not receive the circulation sticker and be subject to fines if found circulating.
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