Car Insurance Costs: Why Premiums Are Rising

In Italy theCar liability insurance costs more and more every year: as emerged from the reportIvassthe insurance supervisory institute, in 2024 the average price of the compulsory insurance policy flew to 419 euro (+7,2% on 2023): those who are insured are 33.5 million of vehicles, on which they are registered 1.8 million of claims, for an average cost of 4.962 euro. The tariff Rc Motorcycle it came to cost 289 euroincreasing in8,5% compared to the past: those who are insured are 4.6 million of vehicles, on which they are registered 161mila claims for an average cost of 7 thousand euros. The constant increase in the policy was therefore also confirmed last year: if we consider the data starting from 2021, when the share of motor liability insurance was around 350 euroin the following two years the average price increased overall by 10,5%. An upward trend that is found both in Europe and in the rest of the world, with insurance rates significantly increased in all continents, as demonstrated by a further report created by Federcarrozzieri, the association of Italian body shops, which compared car insurance prices in individual Italian provinces and abroad.

Italy and Europe in 2024

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The January 2024 survey highlights higher spending on car insurance in Italy compared to Germania e Spainwhere the average cost of the policy in 2023 was approximately 304 euro e 371 euroand almost as much as the Sweden (397 euro). More expensive to insure the car France e United Kingdomwhere the annual expenditure is approx 635 euro. Among the countries with the lowest tariffs are the Greece (145 euro per year), theHungary (134 euro) and the Poland (120 euro): however, as stated by the president of Federcarrozzieri, Davide Galli, “All the countries monitored share the same phenomenon: the strong increase in car insurance rates both in 2023 and in the first months of 2024, with increases that in some cases exceed 25% on an annual basis, despite a general reduction in road accidents”. The main cause of these increases throughout Europe is attributable to the significant increase in costs for interventions paid by insurance following road accidents. In fact, in the last four years, spare parts prices have increased on average by 48%. On the Italian front, three provinces exceeded the threshold in January 2024 500 euro per policy. This is the case of Napoliwhere car insurance costs on average 560 euro, Prato (553 euro) e Caserta (500 euro). In Tuscany six cities were included in the top ten of the cost of insurance, while Anna was found to be the most convenient province, with an annual rate of 287 euro.

the numbers for 2025

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Observing the cost differential of Motor TPL between Italy and the main European countries, this continues to reduce over time: starting from 2012, when the value stood on average at around 195 eurothe gap has progressively narrowed until 33 euro recorded during 2023. As observed by the Segugio.it insurance observatory, in Italy the average Motor TPL premium from the first half of 2023 to the first half of 2025 recorded an increase of 10,8%passing from 420,69 euro in June 2023 a 466,40 euro in June 2025. The photograph drawn by Ivass in the second quarter of 2025 confirms a now consolidated trend: Motor TPL premiums continue to rise. The official data speaks of an increase of +3,7 % compared to the corresponding period of the previous year, with an average policy reaching i 415 euro. Given this surge in costs, the 2025 data indicate a reduction in accident rates 2,1 % compared to 2024. The calculations of the national Federconsumatori Observatory (Onf) turn on further spotlights: in some areas of Italy the increases in policies reach peaks of 12 %which in the south become del 27 %. Arriving in September 2025, according to data released by the Facile.it Observatory, the average car insurance premium calculated in Italy was 646,79 euro: the change compared to the first six months of the year is 1,08%. Compared to September 2024, the average tariff increased by 1,49%. Among the additional guarantees, the most chosen in the month of September was the roadside assistance policy, requested by 47,16% of users who have calculated a car liability estimate, followed by the police for accidents to the driver (37.83%) and legal protection (29.67%). The last data that deserve to be mentioned are those relating to the average age of the Italian car park which, based on the information collected by the observatory, is 11.97 yearsand to the average value of registered cars, which is 7.782,31 euroincreasing by 220,66 euro compared to September 2024.