Aria Sug‘urta vs Xalq Sug‘urta: insurance company comparison
Updated: 10.11.2026 17:05More details
Comparison of Aria Sug‘urta (Ария Сугурта) and Xalq Sug‘urta (Халк Сугурта): NAPP figures, offices, products by type of insurance, compulsory motor liability, KASKO and online purchase on one page. Products and offices are as published on the companies’ websites on 23.10.2026.
In the NAPP report as of 01.07.2026, in general insurance: Aria Sug‘urta — rank 24, Xalq Sug‘urta — rank 25.
Also known as: Ария Сугурта and Халк Сугурта
Highlighted: more offices, more products that can be bought online and a higher app score. Premiums, payouts and the number of products are not highlighted: they show the size of a company, not the quality of its service. Policy prices are not compared here: companies price KASKO, voluntary health and other voluntary insurance individually, and the compulsory motor liability tariff is set by the state and is the same everywhere. The comparison is for reference: check the terms with the insurer.
The information is taken from insurers’ websites and may be out of date. Check conditions, tariffs and the licence status with the insurer. It is not a recommendation or an offer to conclude a contract.
NAPP figures
 Aria Sug‘urta / Ария Сугурта |
 Xalq Sug‘urta / Халк Сугурта |
|
|---|---|---|
| Rank in general insurance | 24 of 29 | 25 of 29 |
| Net premiums | 35 billion UZS | 28.4 billion UZS |
| Year on year | +62% | +13.8% |
| All premiums | 35.6 billion UZS | 28.4 billion UZS |
| Market share | 0.6% | 0.5% |
| Payouts | 2.4 billion UZS | 10.3 billion UZS |
| Payout ratio | 6.7% | 36.1% |
Source: NAPP report as of 01.07.2026; premiums and payouts are year to date, “Year on year” is premium growth against the same date last year. Net premiums are all premiums minus those ceded to reinsurers. The payout ratio is payouts divided by all premiums; it can exceed 100% because payouts are also made under contracts from previous years. NAPP report ↗
Offices
| Aria Sug‘urta / Ария Сугурта |
Xalq Sug‘urta / Халк Сугурта |
|
|---|---|---|
| Head office | 1 | 1 |
| Branches | 0 | 14 |
| Service centres | 0 | 1 |
| Offices in total | 1 | 16 |
| Offices on the map | no | yes |
Products by type of insurance
| Aria Sug‘urta / Ария Сугурта |
Xalq Sug‘urta / Халк Сугурта |
|
|---|---|---|
| Motor insurance | 1 | 4 |
| Personal insurance | 2 | 3 |
| Health insurance | 1 | 0 |
| Travel insurance | 1 | 1 |
| Property insurance | 2 | 1 |
| Liability insurance | 3 | 2 |
| Business insurance | 4 | 1 |
| Products in total | 14 | 12 |
| Compulsory motor liability (OSGO) | no | yes |
| KASKO programmes | 1 | 1 |
| Can be bought online | 4 | 9 |
| With a published price | 3 | 3 |
The number of products follows the pages on the companies’ websites: one company splits a programme into several products, another combines them, so more products does not always mean a wider choice. Prices are not compared.
About the companies
| Aria Sug‘urta / Ария Сугурта |
Xalq Sug‘urta / Халк Сугурта |
|
|---|---|---|
| Founded | 21 November 2019 | 2011 |
| Charter capital | 35 billion | — |
| Phone | +998 71 202-88-88 | +998 71 202-19-66 |
| Company website | ariainsurance.uz ↗ | xalqsugurta.uz ↗ |
Compare Aria Sug‘urta with another company
Compare Xalq Sug‘urta with another company
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Frequently asked questions
Which company is bigger — Aria Sug‘urta or Xalq Sug‘urta?
In the NAPP report as of 01.07.2026, in general insurance, Aria Sug‘urta is at rank 24 and Xalq Sug‘urta at rank 25. Net premiums year to date: Aria Sug‘urta — 35 billion UZS, Xalq Sug‘urta — 28.4 billion UZS. The size of a company says nothing about the quality of its service.
What is the payout ratio of Aria Sug‘urta and Xalq Sug‘urta?
In the NAPP report as of 01.07.2026: Aria Sug‘urta — 6.7%, Xalq Sug‘urta — 36.1%. This is payouts divided by premiums year to date; it can exceed 100% because payouts are also made under contracts from previous years. The payout ratio alone does not make a company better or worse.
Which company has more offices — Aria Sug‘urta or Xalq Sug‘urta?
According to the companies’ websites: Aria Sug‘urta has 1 office, Xalq Sug‘urta has 16 offices.
Can I buy compulsory motor liability insurance from Aria Sug‘urta and Xalq Sug‘urta?
According to the companies’ websites, only Xalq Sug‘urta offers it. The tariff is set by the state: the policy costs the same at every insurer.
Where can more policies be bought online — Aria Sug‘urta or Xalq Sug‘urta?
Links to buy online: Aria Sug‘urta — 4 products, Xalq Sug‘urta — 9 products. The company itself, not this site, arranges and issues the policy.