Monthly Car Insurance Costs
The cost of your auto insurance depends on several factors. On average, you’ll pay between €50 and €88 per month. The premium depends on your age, place of residence, and number of claim-free years. The coverage, additional insurance policies, and the insurer also affect the cost of your auto insurance.
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What is the average monthly cost of car insurance?
The cost of your auto insurance depends on various factors. On average, you’ll pay between €50 and €88 per month. The premium depends, among other things, on your age, place of residence, and number of claim-free years. The coverage, supplemental insurance policies, and the insurer also affect the cost of your auto insurance.
These factors determine the cost of your auto insurance
Age
Younger and novice drivers generally pay more because insurers consider them a high-risk group . They also have few claim-free years under their belt.
Residence
The risk of damage or theft is greater in densely populated urban areas than in rural regions.
Claim-free years
For every year you drive without making a claim, you move up the no-claims discount ladder, which entitles you to a higher discount on your auto insurance.
Car weight
The heavier your car, the more expensive it is, because the impact in an accident is likely to be greater.
Number of kilometers
The more you drive in a year, the greater the risk of damage.
Car Type
A new, expensive, or high-performance car often results in a higher insurance premium due to higher repair and theft costs.
Compare and save on your premium
Want to save on your monthly premium? It’s a good idea to look into other car insurance options. Always compare different car insurance policies to find the most affordable one with the best coverage. The cheapest car insurance isn’t always the best.
Which coverage is right for you?
Third-Party Liability (Mandatory)
- Damage to others
- Theft, joyriding, and missing persons
- Window damage
- Damage caused by fire or natural disasters
- Damage to one's own vehicle caused by a collision
Limited casco
- Damage to others
- Theft, joyriding, and missing persons
- Window damage
- Damage caused by fire or natural disasters
- Damage to one's own vehicle caused by a collision
All Risk (Liability + Comprehensive)
- Damage to others
- Theft, joyriding, and missing persons
- Window damage
- Damage caused by fire or natural disasters
- Damage to one's own vehicle caused by a collision
More about the coverage options
Third-Party Liability Coverage
Every car owner in the Netherlands is required to have at least third-party liability insurance for his or her car. WA stands for “Wettelijke Aansprakelijkheid” (third-party liability) and provides coverage exclusively for liability claims (damage to others).
Damage to your own car is not covered by this insurance. You are responsible for those costs. Third-party liability insurance offers the least coverage and is therefore the least expensive of the three types of coverage.
Third-Party Liability + Limited Comprehensive Coverage
Third-party liability + limited comprehensive coverage supplements the mandatory third-party liability insurance. It covers not only damage to others but also damage caused by fire, hail, storms, lightning, explosions, broken windows, theft , attempted theft, and damage resulting from collisions with stray animals.
The price difference between third-party auto insurance and insurance with third-party and limited comprehensive coverage is relatively small. For third-party and limited comprehensive coverage, you’ll usually pay an additional 3 to 15 euros in premiums per month. However, you’ll be covered much more comprehensively.
Comprehensive Coverage
Comprehensive coverage is the most extensive type of auto insurance. With comprehensive auto insurance, all damage is covered. Damage to your own car is always covered, even if you are at fault. Vandalism damage is also covered.
On average, however, comprehensive insurance is twice as expensive as liability plus limited collision coverage. But the monthly cost of car insurance is based on more than just the level of coverage.
Top 5 Cheapest Liability Insurance Policies in 2026
| Insurance Company | Price per month | Own risk |
|---|---|---|
| Allianz Direct | €46,70 | N/A |
| ZERO | €49,24 | N/A |
| Bovemij | €49,51 | N/A |
| Avéro Achmea | €51,38 | N/A |
| Rhion | €71,70 | N/A |
Top 5 Most Affordable Third-Party Liability + Limited Comprehensive Auto Insurance Policies in 2026
| Insurance Company | Price per month | Own risk |
|---|---|---|
| Allianz Direct | €47,98 | N/A |
| Bovemij | €53,73 | €150 |
| a.s.r. | €55,01 | €150 |
| ZERO | €57,75 | €150 |
| Avéro Achmea | €61,73 | €150 |
Top 5 Most Affordable Comprehensive Insurance Policies in 2026
| Insurance Company | Price per month | Own risk |
|---|---|---|
| a.s.r. | €66,85 | €150 |
| Bovemij | €75,08 | €150 |
| Avéro Achmea | €76,01 | €150 |
| Allianz Direct | €79,12 | N/A |
| ZERO | €86,79 | €150 |
How the Coverage You Choose Affects Your Premium
When choosing car insurance coverage and the level of coverage, you have three options: Third-Party Liability (WA), Third-Party Liability + Limited Comprehensive (WA + Beperkt Casco), or Comprehensive (Allrisk). There are significant price differences between these three types of coverage. The more comprehensive your insurance, the higher the cost of your car insurance. In the Netherlands, you are required to have at least Third-Party Liability (WA) coverage for your car.
The cost of auto insurance consists of:
- Premium for the selected coverage (Third-Party Liability, Third-Party Liability + Collision, or Comprehensive)
- Premiumfor supplemental auto insurance
- Policy fees (for issuing the policy and registering the car with the RDW)
- Extension fees (administrative fees)
- 21% insurance tax
Additional Coverage
In addition to choosing the right coverage for your auto insurance, you can also compare and purchase various types of supplemental coverage.
Occupant accidents
Passenger accident insurance pays out fixed amounts in the event of the death or permanent disability of the driver and/or passengers.
Occupant damage
This insurance covers property damage sustained by the driver and passengers as a result of an accident.
Legal Aid
Insured of legal help in traffic disputes. At home and abroad. With the vehicle insured on the policy.
Roadside Assistance Netherlands
Roadside assistance after an accident is covered as standard under your insurance policy. As a supplement to your insurance, you can also purchase roadside assistance coverage for the Netherlands.
Roadside assistance Europe
Roadside assistance after an accident is covered as standard under your insurance policy. As a supplement to your insurance, you can also purchase roadside assistance coverage for Europe.
Car Insurance Costs for a New Driver
For the first 5 years after getting your driver’s license, you are considered a new driver. Car insurance premiums for new drivers are higher than those for more experienced drivers. The risk of causing an accident as a new driver is often significantly higher than for a driver with more experience.
Insurers view this as a greater risk. This is because the premium amount is partly determined by the number of claim-free years. The more claim-free years you have, the higher your no-claims discount.
How much does car insurance cost for an 18-year-old?
On average, an 18-year-old often pays more than 100 euros per month for car insurance. With most insurers, young people under the age of 24 also pay an age surcharge and therefore a higher premium.
How to Find the Cheapest Car Insurance
Finding the cheapest car insurance starts with comparing different options. By comparing different insurers side by side, you can easily see which policy best suits your situation and offers the best value. Be sure to consider not only the premium but also the coverage.
Old car or new car?
The age of your car can also be a factor. Is your car more than 10 years old? In that case, consider getting liability insurance. Do you have a new car? If so, comprehensive car insurance is a wiser choice.
Tips for Taking Out a New Car Insurance Policy
- Compare the prices of different car insurance policies to find the cheapest one. That way, you can save a lot of money.
- Choose a car insurance policy with a no-claims discount, so you pay less if you don't file any claims. The longer you go without filing a claim, the bigger your discount will be.
- You can choose a higher deductible to lower your monthly costs. In that case, you'll pay more out of pocket in the event of a claim, but your premium will be lower.
- Choose a car insurance policy with good coverage, such as comprehensive coverage, so that you're well protected against unexpected damage. This can be more cost-effective in the long run.
- Pay for minor damages yourself to build up claim-free years and lower your premium. This can ultimately save you a lot of money.
Learn more about taking out auto insurance
Frequently Asked Questions About the Cost of Car Insurance
How much does car insurance cost per month?
Monthly costs vary depending on the type of car. For a mini-class car, car insurance costs an average of €50 per month. For a mid-size car, this rises to about €88 per month. The total cost depends on factors such as age, ZIP code, number of claim-free years, the type and weight of the car, the number of kilometers you drive, and the coverage you choose.
What is the average cost of car insurance?
On average, the monthly cost of car insurance ranges from €50 to €88, depending on the type of car and other factors such as the driver's age and the number of claim-free years.
How much does car insurance cost per year?
On an annual basis, this means that car insurance costs range from approximately €600 (€50 x 12 months) for a subcompact car to €1,056 (€88 x 12 months) for a midsize car.
How much does third-party liability insurance for your car cost per month?
On average, you can get liability insurance for about 20 euros a month. For example, if you have a subcompact car, 10 years of accident-free driving, and live in a village. The cost of average liability car insurance depends entirely on your specific situation.
For example, if you have 0 claim-free years and live in a big city, you’ll quickly end up paying an average of about 50 euros per month for liability auto insurance.
Why are there such large differences in premiums?
Insurers determine the premium amount by considering your personal situation and individual characteristics. This allows them to assess the level of risk they face and use that assessment to calculate your monthly premium.
You might be paying €100 per month, while your neighbor pays €65 for the same car insurance. That's because the premium is different for everyone.
All of these factors help the insurer assess the risk. This affects the premium you ultimately pay. You also have some control over the cost of your auto insurance. Do you want a cheaper third-party liability policy, or a more expensive but comprehensive full-coverage auto insurance policy?
It's good to know what factors you can and cannot influence when you want to purchase car insurance on your own.
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