Ubezpieczenie kosztuje osiemdziesiąt złotych.

Polish does not have articles like the or a/an.

So Ubezpieczenie kosztuje osiemdziesiąt złotych can mean:

• The insurance costs eighty złoty
• Insurance costs eighty złoty
• An insurance policy costs eighty złoty

The exact meaning depends on context.

Ubezpieczenie means insurance or an insurance policy, depending on context.

It is a neuter noun in Polish. In this sentence, it is the subject:
Ubezpieczenie = the insurance / insurance
kosztuje = costs
osiemdziesiąt złotych = eighty złoty

Kosztuje is the 3rd person singular form of the verb kosztować, meaning to cost.

It matches the subject ubezpieczenie, which is singular.

A few examples:

• Ubezpieczenie kosztuje... = The insurance costs...
• Bilet kosztuje... = The ticket costs...
• Samochód kosztuje... = The car costs...

If the subject were plural, the verb would change:

• Ubezpieczenia kosztują dużo. = Insurance policies cost a lot.

This is because of how Polish numbers work with nouns.

After 5 and higher, Polish usually uses the genitive plural form of the noun.

So:

• 1 złoty
• 2, 3, 4 złote
• 5+ złotych

Since osiemdziesiąt means eighty, you need:

• osiemdziesiąt złotych

That is completely normal and very important to learn with numbers in Polish.

A very useful pattern is:

• 1 złoty
• 2 złote
• 3 złote
• 4 złote
• 5 złotych
• 21 złotych
• 22 złote
• 25 złotych
• 80 złotych

So the last part of the number matters a lot, but there are also exceptions for teens:

• 12 złotych
• 13 złotych
• 14 złotych

Even though they end in 2, 3, 4, they still take złotych because they are teen numbers.

Yes. They mean the same thing.

• osiemdziesiąt złotych = written out in words
• 80 zł = written with digits and the currency abbreviation

In everyday Polish, 80 zł is extremely common in writing.

A rough English-friendly pronunciation is:

oo-bez-pye-CHEH-nye

A few notes:

• u sounds like oo in food
• cz sounds like ch in chocolate
• nie at the end sounds roughly like nye

The stress is normally on the second-to-last syllable in Polish, so here it falls on cze:

u-bez-pie-CZE-nie

A rough pronunciation is:

ZWO-tikh or ZWO-tyhkh

Helpful details:

• zł sounds roughly like zw
• o is like o in lot
• y is a Polish vowel that does not exist exactly in English; it is a short, central sound
• ch sounds like a soft throaty sound, like h in some accents, or the ch in German Bach

The stress is on the first syllable here:

ZŁO-tych

Yes, Polish word order is more flexible than English word order.

The neutral, standard version is:

• Ubezpieczenie kosztuje osiemdziesiąt złotych.

But depending on emphasis, you might also hear:

• Osiemdziesiąt złotych kosztuje ubezpieczenie.
• Kosztuje osiemdziesiąt złotych ubezpieczenie. — less neutral, more marked

The first version is the best one to learn and use first.

It is singular.

You can see that from the verb:

• ubezpieczenie kosztuje = singular
• ubezpieczenia kosztują = plural

So this sentence is talking about one insurance policy or one insurance payment, depending on context.

Here ubezpieczenie is in the nominative singular, because it is the subject of the sentence.

The sentence structure is:

• Ubezpieczenie — subject, nominative
• kosztuje — verb
• osiemdziesiąt złotych — price expression

Złotych is the genitive plural form of złoty.

Polish numbers often require different noun forms, and after 5 or more, the counted noun usually appears in the genitive plural.

That is why:

• pięć złotych = five złoty
• dziesięć złotych = ten złoty
• osiemdziesiąt złotych = eighty złoty

More or less, yes:

• Ubezpieczenie = insurance
• kosztuje = costs
• osiemdziesiąt = eighty
• złotych = of złoty grammatically, but in natural English just złoty

A natural English translation would be:

• The insurance costs eighty złoty.
• Insurance costs eighty złoty.

So the grammar is not identical, but the sentence matches English fairly closely overall.

Not always.

In speech, people often say the full form:

• osiemdziesiąt złotych

But in writing, especially informal writing, you will very often see:

• 80 zł

You may also hear casual speech where the currency is understood from context, but for learners it is best to say the full form at first.

Usually, yes.

Examples:

• To kosztuje dużo. = It costs a lot.
• Bilet kosztuje dziesięć złotych. = The ticket costs ten złoty.
• Naprawa kosztuje sto złotych. = The repair costs one hundred złoty.

So if you know how to cost works in English, kosztować is fairly easy to understand.

No, that would sound wrong in standard Polish.

To talk about price, Polish uses kosztować:

• Ubezpieczenie kosztuje osiemdziesiąt złotych.

Using jest means is, and that is not how price is normally expressed here.

So remember:

• costs = kosztuje
• not jest

Yes. Złoty is the basic singular form of the Polish currency name.

Forms you should know:

• 1 złoty
• 2–4 złote
• 5+ złotych

So in this sentence, złotych is just the correct grammatical form of the currency after osiemdziesiąt.