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Italian car insurance premium trends

Updated 4 times since CLSTR started tracking revisions of this situation.

What changed

2026-09-24 19:09 UTC → 2026-09-27 06:16 UTC · added ~~removed~~

Car insurance premiums in ~~Italy, previously facing upward pressure due to rising repair and spare part costs, are beginning to show signs of cooling. While~~ Italy have shown fluctuating trends, with national averages ~~had reached~~ previously reaching €502.59 (a 3.5% increase), recent data indicates a potential shift in market direction. Regional trends remain highly varied. In Liguria, average premiums reached €517.56, a 10.1% annual increase, with Genova recording a 9.2% rise to €556.77. In Lombardy, the province of Lecco saw a 3% increase to €531.80, making it the third most expensive province in the region after Milano and Pavia, despite a broader 3.2% regional decrease. By August 2026, a downward trend emerged in several areas. Abruzzo saw average premiums fall to €541.66, a 9.1% annual decrease, though Pescara remained the region’s most expensive province at €568.17. In Lombardy, Milan recorded a 3.8% decrease to €544.86, while Monza increase) and ~~Brianza experienced a 7.5% contraction. Sondrio was noted as the most affordable province in Lombardy at €462.28. Newer~~ later reports indicate the national average premium has reached €623.25. Regional disparities persist: in Veneto, Verona is the most affordable province at €489.75, while in Sicily, Enna remains the most economical at €486.04 despite indicating a 2.7% annual price increase. Historical context from Ivass notes that while insurance companies saw reduced claims during the pandemic, the resulting savings were not fully passed on to consumers in the form of lower premiums. According rise to ~~Ivass~~ €623.25. Recent data ~~for~~ from the second quarter of ~~2026,~~ 2026 provides a more granular view, with Ivass reporting the average price for mandatory third-party motor insurance (RC Auto) ~~was~~ at €422. This ~~reflects~~ figure represents a 1.6% annual increase but a 0.4% decrease compared to the first quarter of 2026. When adjusted for inflation, real premiums saw an annual reduction of 1.3%. Regional disparities remain significant. In Sicily, the average premium for August 2026 was €656.92, a 1.6% annual decrease, making it the fifth most expensive region. Within Sicily, Ragusa (€717.60, up 5.2%) and Catania (€713.27, up 5.9%) saw increases, while Enna remained the most economical at €486.04. Other notable regional shifts include price increases in Basilicata (+8.5%), Pescara (+3.8%), and Rome (+3.5%), contrasted by decreases in Cagliari (-2.0%), Imperia (-1.0%), and Benevento (-0.8%). Market dynamics show that 91% of contracts included a discount, averaging €212, and the agency channel remains dominant, handling 86.7% of contracts. The use of black box technology saw a slight decline to 16% of vehicles. Demographic data highlights that drivers under 25 face the highest costs, averaging €1,053.64, while those over 60 typically pay the least. While regional ~~disparities~~ gaps persist—such as Naples drivers paying ~~an average of~~ €255 more than those in Aosta—a trend toward convergence is noted.

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