{"id":4221,"date":"2026-07-08T11:25:59","date_gmt":"2026-07-08T09:25:59","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=4221"},"modified":"2026-07-08T11:26:01","modified_gmt":"2026-07-08T09:26:01","slug":"vyvoj-cen-povinneho-ruceni","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/vyvoj-cen-povinneho-ruceni\/","title":{"rendered":"V\u00fdvoj cen povinn\u00e9ho ru\u010den\u00ed: Kam se posunula cena autopoji\u0161t\u011bn\u00ed za p\u011bt let?"},"content":{"rendered":"\n<p>Ceny povinn\u00e9ho ru\u010den\u00ed i v roce 2026 nep\u0159est\u00e1vaj\u00ed r\u016fst. Kolik si ale skute\u010dn\u011b \u0159idi\u010di letos p\u0159iplat\u00ed oproti p\u0159edch\u00e1zej\u00edc\u00edm let\u016fm a jak ovliv\u0148uj\u00ed v\u00fdslednou cenu jejich poji\u0161t\u011bn\u00ed dal\u0161\u00ed faktory? Pr\u00e1v\u011b na v\u00fdvoj cen povinn\u00e9ho ru\u010den\u00ed se pod\u00edv\u00e1me v tomto \u010dl\u00e1nku.\u00a0<\/p>\n\n\n\n<p>Povinn\u00e9 ru\u010den\u00ed od roku 2022 podle dat RIXO.cz zdra\u017eilo v pr\u016fm\u011bru o zhruba p\u011btinu. Kdo si ale najde nab\u00eddku \u201euprost\u0159ed trhu\u201c, ten zaplat\u00ed jen o desetinu v\u00edc ne\u017e p\u0159ed p\u011bti lety. Rozd\u00edl mezi pr\u016fm\u011brnou a medi\u00e1novou cenou toti\u017e rok od roku roste \u2013 n\u016f\u017eky mezi levn\u00fdmi a drah\u00fdmi pojistkami se rozev\u00edraj\u00ed hlavn\u011b kv\u016fli v\u00fdkonn\u00fdm aut\u016fm a rizikov\u011bj\u0161\u00edm \u0159idi\u010d\u016fm, kte\u0159\u00ed t\u00e1hnou pr\u016fm\u011br nahoru. Uk\u00e1\u017eeme v\u00e1m, jak se cena povinn\u00e9ho ru\u010den\u00ed zm\u011bnila mezi lety 2022 a 2026.\u00a0<\/p>\n\n\n\n<div class=\"wp-block-group has-text-color is-vertical is-content-justification-center is-layout-flex wp-container-core-group-is-layout-1 wp-block-group-is-layout-flex\" style=\"color:#605db5\">\n<hr class=\"wp-block-separator has-text-color has-alpha-channel-opacity has-background is-style-wide\" style=\"background-color:#d8d8fc;color:#d8d8fc\" \/>\n\n\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#605db5;font-size:18px\"><em><em>Chcete v\u011bd\u011bt, kolik bude st\u00e1t povinn\u00e9 ru\u010den\u00ed pr\u00e1v\u011b v\u00e1s? Srovnejte si nab\u00eddky povinn\u00e9ho ru\u010den\u00ed na RIXO.cz a my v\u00e1m b\u011bhem minuty najdeme ty nejv\u00fdhodn\u011bj\u0161\u00ed!<\/em><\/em><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size aligncenter\" style=\"font-size:18px\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\" style=\"background-color:#605db5\">Srovnat povinn\u00e9 ru\u010den\u00ed<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-alpha-channel-opacity has-background is-style-wide\" style=\"background-color:#d8d8fc;color:#d8d8fc\" \/>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00fd je v\u00fdvoj cen povinn\u00e9ho ru\u010den\u00ed v letech 2022\u20132026?<\/h2>\n\n\n\n<p>Ne\u017e se pust\u00edme do detail\u016f, zam\u011b\u0159\u00edme se na \u010d\u00edsla, kter\u00e1 by m\u011bla figurovat v ka\u017ed\u00e9 debat\u011b o zdra\u017eov\u00e1n\u00ed povinn\u00e9ho ru\u010den\u00ed: <strong>pr\u016fm\u011br<\/strong> a <strong>medi\u00e1n<\/strong>. Pr\u016fm\u011brnou cenu spo\u010d\u00edt\u00e1te tak, \u017ee se\u010dtete ceny v\u0161ech pojistek a vyd\u011bl\u00edte je jejich po\u010dtem \u2013 jen\u017ee drah\u00e9 smlouvy (nap\u0159\u00edklad na v\u00fdkonn\u00e1 auta, nebo pro mlad\u00e9 \u0159idi\u010de bez bonus\u016f) dok\u00e1\u017eou celkov\u00fd pr\u016fm\u011br v\u00fdznamn\u011b vych\u00fdlit nahoru. Medi\u00e1n naproti tomu ukazuje cenu, kter\u00e1 je p\u0159esn\u011b uprost\u0159ed \u2013 polovina pojistn\u00edk\u016f plat\u00ed m\u00e9n\u011b a polovina v\u00edc. Je to tedy realisti\u010dt\u011bj\u0161\u00ed obr\u00e1zek toho, kolik plat\u00ed \u201etypick\u00fd\u201c \u0159idi\u010d.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">V\u00fdvoj cen povinn\u00e9ho ru\u010den\u00ed do roku 2026<\/h3>\n\n\n\n<p>Z dat RIXO.cz vypl\u00fdv\u00e1 toto srovn\u00e1n\u00ed za sjednan\u00e9 povinn\u00e9 ru\u010den\u00ed osobn\u00edch automobil\u016f:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Rok<\/strong><\/td><td><strong>Pr\u016fm\u011brn\u00e1 cena<\/strong><\/td><td><strong>Medi\u00e1n ceny<\/strong><\/td><td><strong>Meziro\u010dn\u00ed zm\u011bna pr\u016fm\u011bru<\/strong><\/td><td><strong>Meziro\u010dn\u00ed zm\u011bna medi\u00e1nu<\/strong><\/td><\/tr><tr><td>2022<\/td><td>3 827 K\u010d<\/td><td>3 751 K\u010d<\/td><td>\u2013<\/td><td>\u2013<\/td><\/tr><tr><td>2023<\/td><td>4 015 K\u010d<\/td><td>3 844 K\u010d<\/td><td>+4,9 %<\/td><td>+2,5 %<\/td><\/tr><tr><td>2024<\/td><td>4 235 K\u010d<\/td><td>3 962 K\u010d<\/td><td>+5,5 %<\/td><td>+3,1 %<\/td><\/tr><tr><td>2025<\/td><td>4 451 K\u010d<\/td><td>4 074 K\u010d<\/td><td>+5,1 %<\/td><td>+2,8 %<\/td><\/tr><tr><td>2026<\/td><td>4 612 K\u010d<\/td><td>4 157 K\u010d<\/td><td>+3,6 %<\/td><td>+2,0 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Pozn.: Data za rok 2026 vych\u00e1zej\u00ed ze smluv sjednan\u00fdch od za\u010d\u00e1tku roku do poloviny roku 2026, rok tedy je\u0161t\u011b nen\u00ed uzav\u0159en\u00fd a celoro\u010dn\u00ed pr\u016fm\u011br se m\u016f\u017ee zm\u011bnit.<\/em><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"587\" src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/graf_vyvoj_cen-1-1-1.png\" alt=\"v\u00fdvoj cen povinn\u00e9ho ru\u010den\u00ed\n\" class=\"wp-image-4224\" srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/graf_vyvoj_cen-1-1-1.png 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/graf_vyvoj_cen-1-1-1-300x176.png 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/graf_vyvoj_cen-1-1-1-768x451.png 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/graf_vyvoj_cen-1-1-1-100x59.png 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/graf_vyvoj_cen-1-1-1-700x411.png 700w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p><em>V\u00fdvoj cen povinn\u00e9ho ru\u010den\u00ed, 2022\u20132026. Zdroj: RIXO.cz.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">V\u00fdvoj cen povinn\u00e9ho ru\u010den\u00ed: Rozd\u00edl pr\u016fm\u011bru a medi\u00e1nu<\/h3>\n\n\n\n<p>Na prvn\u00ed pohled je jasn\u00e9, \u017ee povinn\u00e9 ru\u010den\u00ed zdra\u017euje \u2013 ale rozhodn\u011b ne rovnom\u011brn\u011b. Za p\u011bt let vzrostla <strong>pr\u016fm\u011brn\u00e1 cena o 20,5 %<\/strong> (z 3 827 K\u010d na 4 612 K\u010d), zat\u00edmco <strong>medi\u00e1n se zvedl jen o 10,8 %<\/strong> (z 3 751 K\u010d na 4 157 K\u010d). Pr\u016fm\u011br tedy roste zhruba dvakr\u00e1t rychleji ne\u017e medi\u00e1n \u2013 a i tenhle rozd\u00edl stoj\u00ed za vysv\u011btlen\u00ed.<\/p>\n\n\n\n<p><strong>Pro\u010d pr\u016fm\u011br ut\u00edk\u00e1 medi\u00e1nu?<\/strong> Pr\u016fm\u011brn\u00e1 cena je po cel\u00fdch p\u011bt let vy\u0161\u0161\u00ed ne\u017e medi\u00e1n, co\u017e je pro poji\u0161t\u011bn\u00ed typick\u00e9 \u2013 rozlo\u017een\u00ed cen m\u00e1 \u201edlouh\u00fd ocas\u201c sm\u011brem nahoru, proto\u017ee mal\u00e1 skupina drah\u00fdch smluv (v\u00fdkonn\u00e1 auta, mlad\u00ed nebo naopak rizikov\u00ed \u0159idi\u010di, velk\u00e1 m\u011bsta) t\u00e1hne pr\u016fm\u011br vzh\u016fru, zat\u00edmco medi\u00e1n z\u016fst\u00e1v\u00e1 bl\u00ed\u017e cen\u011b, kterou plat\u00ed b\u011b\u017en\u00fd \u0159idi\u010d. Zaj\u00edmav\u00e9 ale je, \u017ee tenhle rozestup se rok od roku prohlubuje: v roce 2022 d\u011blal rozd\u00edl mezi pr\u016fm\u011brem a medi\u00e1nem 76 K\u010d (necel\u00e1 2 % medi\u00e1nu), v roce 2026 u\u017e je to 455 K\u010d (t\u00e9m\u011b\u0159 11 % medi\u00e1nu) \u2013 tedy zhruba \u0161estin\u00e1sobn\u011b v\u00edc. <\/p>\n\n\n\n<p>Jin\u00fdmi slovy: skupina dra\u017e\u0161\u00edch smluv se v posledn\u00edch letech rozj\u00ed\u017ed\u00ed rychleji ne\u017e zbytek trhu, zat\u00edmco \u201etypick\u00fd\u201c \u0159idi\u010d zdra\u017eov\u00e1n\u00ed poci\u0165uje podstatn\u011b m\u00edrn\u011bji, ne\u017e napov\u00edd\u00e1 pouh\u00fd pohled na pr\u016fm\u011br.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Jak rychle povinn\u00e9 ru\u010den\u00ed zdra\u017euje?<\/h3>\n\n\n\n<p>Dobr\u00e1 zpr\u00e1va je, \u017ee podle dat RIXO.cz tempo zdra\u017eov\u00e1n\u00ed v posledn\u00edm roce zpomaluje \u2013 u pr\u016fm\u011bru z 5,1 % v roce 2025 na 3,6 % v roce 2026, u medi\u00e1nu z 2,8 % na 2,0 %. Podrobn\u011b jsme se faktor\u016fm, kter\u00e9 cenu povinn\u00e9ho ru\u010den\u00ed ovliv\u0148uj\u00ed, v\u011bnovali i v \u010dl\u00e1nku <a href=\"https:\/\/www.rixo.cz\/blog\/cena-povinneho-ruceni\/\">Cena povinn\u00e9ho ru\u010den\u00ed v roce 2026<\/a>.\u00a0<\/p>\n\n\n\n<p>A pro\u010d je v\u016fbec poji\u0161t\u011bn\u00ed rok od roku n\u00e1kladn\u011bj\u0161\u00ed? Na vin\u011b je p\u0159edev\u0161\u00edm <a href=\"https:\/\/www.cap.cz\/tiskove-centrum\/tiskove-zpravy\/9224811-pojistny-trh-za-qtl1-2026-rostouci-naklady-na-skody-a-mirne-zpomaleni-tempa-rustu\" data-type=\"link\" data-id=\"https:\/\/www.cap.cz\/tiskove-centrum\/tiskove-zpravy\/9224811-pojistny-trh-za-qtl1-2026-rostouci-naklady-na-skody-a-mirne-zpomaleni-tempa-rustu\" target=\"_blank\" rel=\"noopener\">\u0161kodn\u00ed inflace<\/a>, vy\u0161\u0161\u00ed po\u010det pojistn\u00fdch ud\u00e1lost\u00ed i st\u00e1le vy\u0161\u0161\u00ed od\u0161kodn\u011bn\u00ed nemajetkov\u00e9 \u00fajmy p\u0159izn\u00e1van\u00e9 po\u0161kozen\u00fdm. Zaj\u00edm\u00e1 v\u00e1s v\u00edc? P\u0159\u00ed\u010diny zvy\u0161ov\u00e1n\u00ed pojistn\u00e9ho do detailu rozeb\u00edr\u00e1me v na\u0161em \u010dl\u00e1nku <a href=\"https:\/\/www.rixo.cz\/blog\/proc-povinne-ruceni-zdrazuje\/\">Pro\u010d povinn\u00e9 ru\u010den\u00ed zdra\u017euje<\/a>.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00e1 je cena povinn\u00e9ho ru\u010den\u00ed podle objemu motoru v roce 2026?<\/h2>\n\n\n\n<p>Objem motoru pat\u0159\u00ed dlouhodob\u011b mezi v\u00fdznamn\u00e9 cenotvorn\u00e9 faktory \u2013 siln\u011bj\u0161\u00ed auto obvykle znamen\u00e1 rychlej\u0161\u00ed zrychlen\u00ed, vy\u0161\u0161\u00ed maxim\u00e1ln\u00ed rychlost a podle statistik i vy\u0161\u0161\u00ed pravd\u011bpodobnost nehody a dra\u017e\u0161\u00ed \u0161kodu. Data RIXO.cz za rok 2026 to potvrzuj\u00ed:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Objem motoru (litry)<\/strong><\/td><td><strong>Pr\u016fm\u011brn\u00e1 cena POV (2026)<\/strong><\/td><\/tr><tr><td>1,0\u20131,2<\/td><td>3 782 K\u010d<\/td><\/tr><tr><td>1,3\u20131,4<\/td><td>4 190 K\u010d<\/td><\/tr><tr><td>1,5\u20131,6<\/td><td>4 314 K\u010d<\/td><\/tr><tr><td>1,7\u20131,8<\/td><td>4 521 K\u010d<\/td><\/tr><tr><td>1,9\u20132,0<\/td><td>4 723 K\u010d<\/td><\/tr><tr><td>2,1\u20132,2<\/td><td>4 890 K\u010d<\/td><\/tr><tr><td>2,3\u20132,4<\/td><td>4 970 K\u010d<\/td><\/tr><tr><td>2,5\u20132,6<\/td><td>5 095 K\u010d<\/td><\/tr><tr><td>2,7\u20132,8<\/td><td>5 219 K\u010d<\/td><\/tr><tr><td>2,9\u20133,0<\/td><td>6 108 K\u010d&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"558\" src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/graf_objem_motoru-1-1.png\" alt=\"pr\u016fm\u011brn\u00e1 cena podle kraje\n\" class=\"wp-image-4225\" srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/graf_objem_motoru-1-1.png 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/graf_objem_motoru-1-1-300x167.png 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/graf_objem_motoru-1-1-768x429.png 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/graf_objem_motoru-1-1-100x56.png 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/graf_objem_motoru-1-1-700x391.png 700w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p><em>Pr\u016fm\u011brn\u00e1 cena povinn\u00e9ho ru\u010den\u00ed podle objemu motoru vozidla, rok 2026. Zdroj: RIXO.cz.<\/em><\/p>\n\n\n\n<p>Mezi jednotliv\u00fdmi kategoriemi cena roste p\u0159ev\u00e1\u017en\u011b plynule \u2013 typicky o 2 a\u017e 5 % mezi sousedn\u00edmi p\u00e1smy. Zlom ale p\u0159ich\u00e1z\u00ed u aut s objemem 2,9\u20133,0 litru: tady cena posko\u010d\u00ed o 17,0 % (889 K\u010d) oproti p\u0159edchoz\u00ed kategorii, tedy citeln\u011b v\u00edc, ne\u017e by odpov\u00eddalo pozvoln\u00e9mu trendu z ni\u017e\u0161\u00edch objem\u016f. Vysv\u011btlen\u00ed je celkem prozaick\u00e9 \u2013 do t\u00e9to nejvy\u0161\u0161\u00ed kategorie spadaj\u00ed hlavn\u011b velk\u00e1 SUV, luxusn\u00ed sedany a sportovn\u00ed vozy, tedy auta s vysok\u00fdm v\u00fdkonem, vy\u0161\u0161\u00ed po\u0159izovac\u00ed cenou a statisticky nadpr\u016fm\u011brnou \u0161kodovost\u00ed.&nbsp;<\/p>\n\n\n\n<p>Pokud tedy zva\u017eujete koupi v\u00fdkonn\u011bj\u0161\u00edho auta, po\u010d\u00edtejte s t\u00edm, \u017ee se to v\u00fdrazn\u011b prop\u00ed\u0161e i do povinn\u00e9ho ru\u010den\u00ed \u2013 a vyplat\u00ed se o to v\u00edc porovnat nab\u00eddky n\u011bkolika poji\u0161\u0165oven najednou. Orienta\u010dn\u00ed ceny poji\u0161t\u011bn\u00ed pro r\u016fzn\u00e9 modely aut podle objemu motoru si m\u016f\u017eete prohl\u00e9dnout na str\u00e1nce <a href=\"https:\/\/www.rixo.cz\/ceny-pojisteni-vozidel\/\">Ceny poji\u0161t\u011bn\u00ed vozidel<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak se li\u0161\u00ed cena povinn\u00e9ho ru\u010den\u00ed podle kraje?<\/h2>\n\n\n\n<p>Region\u00e1ln\u00ed rozd\u00edly v cen\u011b povinn\u00e9ho ru\u010den\u00ed jsou v\u00fdrazn\u00e9 a dlouhodob\u011b se dr\u017e\u00ed podobn\u00e9ho vzorce. Podle dat RIXO.cz z\u016fst\u00e1v\u00e1 jednozna\u010dn\u011b nejdra\u017e\u0161\u00edm regionem Praha, kde \u0159idi\u010di v roce 2026 plat\u00ed v pr\u016fm\u011bru t\u00e9m\u011b\u0159 6 000 K\u010d ro\u010dn\u011b. Naopak nejlevn\u011bji vych\u00e1z\u00ed povinn\u00e9 ru\u010den\u00ed v Pardubick\u00e9m kraji a na Vyso\u010din\u011b, kde se pr\u016fm\u011brn\u00e1 cena pohybuje kolem 3 800 K\u010d.&nbsp;<\/p>\n\n\n\n<p><strong>Ceny povinn\u00e9ho ru\u010den\u00ed 2026 podle kraj\u016f<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Kraj<\/strong><\/td><td><strong>Pr\u016fm\u011brn\u00e9 pojistn\u00e9<\/strong><\/td><\/tr><tr><td>Hlavn\u00ed m\u011bsto Praha<\/td><td>5 968 K\u010d<\/td><\/tr><tr><td>Karlovarsk\u00fd kraj<\/td><td>4 926 K\u010d<\/td><\/tr><tr><td>\u00dasteck\u00fd kraj<\/td><td>4 847 K\u010d<\/td><\/tr><tr><td>Moravskoslezsk\u00fd kraj<\/td><td>4 626 K\u010d<\/td><\/tr><tr><td>Libereck\u00fd kraj<\/td><td>4 594 K\u010d<\/td><\/tr><tr><td>St\u0159edo\u010desk\u00fd kraj<\/td><td>4 571 K\u010d<\/td><\/tr><tr><td>Jihomoravsk\u00fd kraj<\/td><td>4 492 K\u010d<\/td><\/tr><tr><td>Plze\u0148sk\u00fd kraj<\/td><td>4 348 K\u010d<\/td><\/tr><tr><td>Jiho\u010desk\u00fd kraj<\/td><td>4 235 K\u010d<\/td><\/tr><tr><td>Kr\u00e1lov\u00e9hradeck\u00fd kraj<\/td><td>4 098 K\u010d<\/td><\/tr><tr><td>Zl\u00ednsk\u00fd kraj<\/td><td>4 073 K\u010d<\/td><\/tr><tr><td>Olomouck\u00fd kraj<\/td><td>3 917 K\u010d<\/td><\/tr><tr><td>Kraj Vyso\u010dina<\/td><td>3 824 K\u010d<\/td><\/tr><tr><td>Pardubick\u00fd kraj<\/td><td>3 756 K\u010d<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"999\" height=\"545\" src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/Gemini_Generated_Image_adixxeadixxeadix-1-1.png\" alt=\"v\u00fdvoj cen povinn\u00e9ho ru\u010den\u00ed - kraje\n\" class=\"wp-image-4226\" srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/Gemini_Generated_Image_adixxeadixxeadix-1-1.png 999w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/Gemini_Generated_Image_adixxeadixxeadix-1-1-300x164.png 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/Gemini_Generated_Image_adixxeadixxeadix-1-1-768x419.png 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/Gemini_Generated_Image_adixxeadixxeadix-1-1-100x55.png 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/Gemini_Generated_Image_adixxeadixxeadix-1-1-700x382.png 700w\" sizes=\"(max-width: 999px) 100vw, 999px\" \/><\/figure>\n\n\n\n<p>Rozd\u00edl mezi nejdra\u017e\u0161\u00ed Prahou a nejlevn\u011bj\u0161\u00edmi kraji p\u0159esahuje i 2 000 K\u010d ro\u010dn\u011b. Cenov\u00e9 rozd\u00edly v regionech jsou ovlivn\u011bny hustotou provozu a s n\u00ed spojenou vy\u0161\u0161\u00ed \u010di naopak ni\u017e\u0161\u00ed pravd\u011bpodobnost\u00ed nehody. Pokud m\u00e1te trval\u00fd pobyt v \u201cdra\u017e\u0161\u00edm kraji\u201d a zejm\u00e9na ve v\u011bt\u0161\u00edm m\u011bst\u011b, o to v\u00edc se v\u00e1m vyplat\u00ed porovnat v\u00edc poji\u0161\u0165oven najednou \u2013 i p\u0159\u00edstup k cenotvorb\u011b pro r\u016fzn\u00e9 lokality se toti\u017e v jednotliv\u00fdch poji\u0161\u0165ovn\u00e1ch li\u0161\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak se br\u00e1nit p\u0159ed zdra\u017eov\u00e1n\u00edm povinn\u00e9ho ru\u010den\u00ed?<\/h2>\n\n\n\n<p>I kdy\u017e ceny povinn\u00e9ho ru\u010den\u00ed dlouhodob\u011b rostou, po\u0159\u00e1d m\u016f\u017eete naj\u00edt v\u00fdhodn\u00e9 nab\u00eddky. A jak naj\u00edt to <a href=\"https:\/\/www.rixo.cz\/nejlevnejsi-povinne-ruceni\/\">nejlevn\u011bj\u0161\u00ed povinn\u00e9 ru\u010den\u00ed<\/a>? <strong>Srovn\u00e1vejte.<\/strong> Rozd\u00edly v cen\u011b poji\u0161t\u011bn\u00ed s toto\u017en\u00fdmi vstupn\u00edmi \u00fadaji, tedy pro stejn\u00e9 auto se stejn\u00fdm \u0159idi\u010dem, u jednotliv\u00fdch poji\u0161\u0165oven dosahuj\u00ed klidn\u011b i des\u00edtek procent. \u017d\u00e1dn\u00e1 tabulka ani graf v\u00e1m nav\u00edc ned\u00e1 p\u0159esnou cenu na m\u00edru va\u0161emu autu a va\u0161\u00ed situaci.<\/p>\n\n\n\n<p>Nejrychlej\u0161\u00ed cestou je online srovn\u00e1va\u010d, t\u0159eba <a href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\">RIXO.cz<\/a>, kam sta\u010d\u00ed zadat jen SPZ vozidla a p\u00e1r \u00fadaj\u016f o v\u00e1s. B\u011bhem minuty v\u00e1m najdeme nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddky od cel\u00e9 \u0159ady poji\u0161\u0165oven a vy si rovnou m\u016f\u017eete vybrat tu, kter\u00e1 v\u00e1m cenou i obsahem nejv\u00edce vyhovuje!<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size aligncenter\" style=\"font-size:18px\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\" style=\"background-color:#605db5\">Srovnejte si povinn\u00e9 ru\u010den\u00ed na RIXO.cz<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Nej\u010dast\u011bj\u0161\u00ed ot\u00e1zky<\/h2>\n\n\n\n<p><strong>Kolik stoj\u00ed povinn\u00e9 ru\u010den\u00ed v roce 2026?<\/strong> Podle dat RIXO.cz je pr\u016fm\u011brn\u00e1 cena sjednan\u00e9ho povinn\u00e9ho ru\u010den\u00ed v roce 2026 zat\u00edm 4 612 K\u010d, medi\u00e1n (typick\u00e1 cena) pak 4 157 K\u010d. Konkr\u00e9tn\u00ed cena se ale v\u00fdrazn\u011b li\u0161\u00ed podle objemu motoru, v\u011bku pojistn\u00edka, kraje bydli\u0161t\u011b a beze\u0161kodn\u00edho pr\u016fb\u011bhu.<\/p>\n\n\n\n<p><strong>Pro\u010d povinn\u00e9 ru\u010den\u00ed tolik zdra\u017eilo?<\/strong> Hlavn\u00edmi d\u016fvody jsou rostouc\u00ed n\u00e1klady na opravy vozidel (\u0161kodn\u00ed inflace), dra\u017e\u0161\u00ed od\u0161kodn\u011bn\u00ed zdravotn\u00ed \u00fajmy, legislativn\u00ed zv\u00fd\u0161en\u00ed minim\u00e1ln\u00edch limit\u016f pojistn\u00e9ho pln\u011bn\u00ed a obecn\u011b rostouc\u00ed objem vypl\u00e1cen\u00fdch pojistn\u00fdch pln\u011bn\u00ed.<\/p>\n\n\n\n<p><strong>Bude povinn\u00e9 ru\u010den\u00ed d\u00e1l zdra\u017eovat?<\/strong> Podle dat RIXO.cz se meziro\u010dn\u00ed tempo r\u016fstu cen dr\u017e\u00ed posledn\u00edch p\u00e1r let v p\u00e1smu kolem 4 a\u017e 5,5 % u pr\u016fm\u011bru, v roce 2026 zpomalilo na 3,6 %. Nelze ale vylou\u010dit, \u017ee se tempo zase zrychl\u00ed, pokud d\u00e1le poroste \u0161kodn\u00ed inflace nebo p\u0159ibude nehod.<\/p>\n\n\n\n<p><strong>Jak zjist\u00edm p\u0159esnou cenu povinn\u00e9ho ru\u010den\u00ed pro sv\u00e9 auto?<\/strong> Nejrychleji pomoc\u00ed online srovn\u00e1va\u010de \u2013 na <a href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\">RIXO.cz<\/a> sta\u010d\u00ed zadat SPZ vozidla, technick\u00e9 \u00fadaje se dopln\u00ed automaticky a do p\u00e1r minut uvid\u00edte nab\u00eddky od hlavn\u00edch poji\u0161\u0165oven na trhu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ceny povinn\u00e9ho ru\u010den\u00ed i v roce 2026 nep\u0159est\u00e1vaj\u00ed r\u016fst. Kolik si ale skute\u010dn\u011b \u0159idi\u010di letos p\u0159iplat\u00ed oproti p\u0159edch\u00e1zej\u00edc\u00edm let\u016fm a jak ovliv\u0148uj\u00ed v\u00fdslednou cenu jejich poji\u0161t\u011bn\u00ed dal\u0161\u00ed faktory? Pr\u00e1v\u011b na v\u00fdvoj cen povinn\u00e9ho ru\u010den\u00ed se pod\u00edv\u00e1me v tomto \u010dl\u00e1nku.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":4228,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,6],"tags":[17],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4221"}],"collection":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=4221"}],"version-history":[{"count":3,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4221\/revisions"}],"predecessor-version":[{"id":4231,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4221\/revisions\/4231"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/4228"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=4221"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=4221"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=4221"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}