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French insurance premiums rise, regional gaps widen

Updated 2 times since CLSTR started tracking revisions of this situation.

What changed

2026-08-17 00:01 UTC → 2026-08-21 16:02 UTC · added ~~removed~~

Mid‑July 2026 data confirmed a 13% jump in French home‑insurance premiums, with the national average reaching €310 per dwelling. The increase is uneven: the South remains the costliest region (Corsica €361, Occitanie €346, PACA €331), while departments such as Mayenne record premiums near €232. A Meilleurtaux study showed that for identical risk profiles premiums can vary fourfold across departments, from about €89 to €377, creating price gaps of up to €144.58. Homeowners pay roughly 2.5–3.2 times more than renters (average €227.72 vs €104.25), reflecting insurers’ response to higher burglary rates – 212,000 residential burglaries were reported in 2025, with the Bouches‑du‑Rhône experiencing 8 per 1,000 inhabitants versus the national 5.6. Analysts note the absence of coordinated public policy to curb this pricing fragmentation. Climate‑related losses continue to drive costs, with natural‑hazard payouts totaling billions annually (e.g., €6.5 bn in 2023) and hail alone accounting for €2.2 bn. Simultaneously, more than 12 million French homes sit on shrink‑swell clay soils, a risk amplified by hotter summers and heavy rain, potentially generating up to €500 bn in future claims. ~~A 2023 ordinance has streamlined disaster compensation~~ New projections from broker Réassurez-moi suggest climate change and expanding wildfire risks will drive significant long-term increases. The average annual premium for ~~affected owners.~~ a house could rise from €470 in 2024 to €744 by 2050, a 58% increase. This is attributed to the Caisse centrale de réassurance (CCR) estimating that natural disaster claims will increase by 40% to 60% by 2050, alongside wildfire risks expanding into northern and western territories. Auto‑insurance premiums also show sharp geographic and ~~model‑specific~~ model-specific differences. Annual rates range from €660 in Nice to over €710 in Drancy, influenced by local theft rates, traffic density and ~~two‑wheel‑vehicle~~ two-wheel-vehicle prevalence. Premiums rise further for vehicles equipped with advanced driver‑assist systems, electric powertrains, or models frequently targeted by thieves, adding several hundred euros to comparable policies. Looking ahead, France Assureurs projects that average home insurance premiums will rise by 7.8% to reach €323 in 2025. For first-category vehicles, average auto insurance premiums are projected to reach €511 (excluding taxes), a 6.5% increase.

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