Auto Insurance Costs Surge in 2026: What’s Driving Up Premiums?
French motorists are facing a continued increase in auto insurance costs in 2026. The average annual premium now stands at €751, according to the latest data. But what’s behind this upward trend, and what can drivers expect in the future?
A Decade of Rising Costs
The price of auto insurance has been steadily increasing for several years. Assurland.com’s annual report, released on February 12, 2026, reveals a 36% increase in premiums since 2010. In 2025 alone, the national average annual cost rose by 8% compared to 2024. This analysis is based on data from over 119,000 insurance quotes.
Regional Disparities in Auto Insurance
Insurance costs aren’t uniform across France. Drivers in Brittany enjoy the lowest premiums, averaging €592 per year. Conversely, those in Corsica face the highest costs, with an annual bill of €952. Other regional variations include:
- Occitanie: €694 (+7.5%)
- Nouvelle-Aquitaine: €678 (+7.4%)
- PACA: €936 (+9.5%)
- Auvergne Rhône-Alpes: €792 (+8.9%)
- Pays-de-la-Loire: €641 (+9.3%)
- Bretagne: €592 (+8.5%)
- Normandie: €675 (+5.8%)
- Île-de-France: €809 (+4%)
- Hauts-de-France: €704 (+4%)
- Grand Est: €711 (+8.5%)
- Bourgogne Franche-Comté: €701 (+11.6%)
Age and Insurance Premiums: A Significant Gap
Age is a major factor influencing insurance rates. Young drivers, aged 17 to 25, pay an average of €1,462 per year – nearly three times more than drivers aged 56 to 70, who pay around €508 annually.
Why Are Insurance Costs Increasing?
Several factors contribute to the sustained increase in auto insurance prices. One key driver is the rising cost of repairs. Modern vehicles are increasingly equipped with sophisticated electronics, making repairs more expensive due to the price of parts and labor.
The shift in insurance coverage choices is also playing a role. 27% of policyholders are now opting for intermediate coverage, seeking a balance between price and protection. This trend contributes to overall price increases.
Electric Vehicles: A Latest Premium Factor
Electric vehicles (EVs) are becoming more expensive to insure. The average annual premium for an EV is €818, compared to €735 for diesel cars and €753 for gasoline vehicles. This is attributed to the higher cost of aluminum bodywork and batteries in EVs.
Frequently Asked Questions (FAQ)
- Why is auto insurance getting more expensive?
- Rising repair costs due to vehicle technology, changes in coverage choices, and the increasing number of electric vehicles on the road are all contributing factors.
- Does my location affect my insurance rate?
- Yes, regional variations in risk and claim frequency impact insurance premiums. Corsica and PACA generally have higher rates than Brittany or Normandy.
- How does my age impact my insurance cost?
- Younger drivers (17-25) typically pay significantly higher premiums due to their higher risk profile.
Pro Tip: Compare quotes from multiple insurers to find the best rate for your specific needs and vehicle.
What are your thoughts on the rising cost of auto insurance? Share your experiences in the comments below!
