Cost of car insurance per month
The cost of your car insurance depends on several factors. On average, you will pay between €50 and €88 per month. The premium depends on your age, place of residence and claim-free years. Also the coverage, additional insurances and the insurer affect the cost of your car insurance.
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What is the average cost of car insurance per month?
The cost of your car insurance depends on several factors. On average, you will pay between €50 and €88 per month. The premium depends, among other things, on your age, place of residence and years without claims. The coverage, additional insurances and the insurer also influence the cost of your car insurance.
These factors determine the cost of your car insurance
Age
Younger and novice drivers usually pay more because they are considered a high-risk group by insurers. They also have not yet accumulated many claim-free years.
Residence
The risk of damage or theft is greater in densely populated urban areas than in rural regions.
Claim-free years
Each year you don't drive a claim, you move up the bonus malus ladder which gives you a higher discount on your car insurance.
Car weight
The heavier your car the more expensive because the impact in an accident is likely to be greater.
Number of kilometers
The more you drive in a year, the more risk of damage.
Type of car
A new, expensive or fast car often results in a higher premium due to higher repair and theft costs.
Compare and save on your premium
Want to save on your monthly premium? It's smart to look at a different car insurance policy. Always compare several car insurance policies to find the cheapest car insurance with the best coverage. The cheapest car insurance is not always the best car insurance.
Which coverage suits you?
WA (mandatory)
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
Limited casco
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
All Risk (WA+Casco)
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
More about the coverages
WA coverage
Every car owner in the Netherlands is obliged to insure his or her car at least WA. WA stands for Wettelijke Aansprakelijkheid and only provides coverage for liability damage (damage to others).
Damage to your own car is not covered by this insurance. Those costs are for your own account. Third-party insurance provides the least coverage and is therefore the cheapest of the 3 coverages.
WA + limited casco coverage
The WA + limited casco coverage is an addition to the compulsory WA insurance. This covers not only damage to others, but also damages caused by fire, hail, storm, lightning, fire, explosion, broken windows, theft, attempted theft and damage caused by collision with stray animals.
The price difference between third-party car insurance and insurance with third-party + limited collision coverage is relatively small. For third-party limited liability coverage you usually pay 3 to 15 euros extra premium per month. You are then much more extensively insured.
All-risk coverage
All-risk coverage is the most comprehensive car insurance policy. With all-risk car insurance, all damages are compensated. Also the damage to your own car is always compensated, even if it is your own fault. Vandalism damage is also insured.
On average, however, all-risk insurance is twice as pricey as third-party + limited collision. But monthly car premium costs are based on more than just coverage.
The impact of your chosen coverage on your premium
When choosing car insurance coverage and the coverage level, you have 3 options: WA, WA + Limited Comprehensive or All-risk. There are significant price differences between these 3 coverages. The more extensive your insurance coverage, the higher the cost of your car insurance. You are obliged in the Netherlands to insure your car at least WA.
The cost of auto insurance consists of:
- Premium for the selected coverage (WA, WA + Casco or All-risk)
- Premium forsupplemental auto insurance policies.
- Policy costs (for making up the policy and registering the car with RDW)
- Prolongation fees (administrative costs)
- 21% insurance tax
Additional coverages
In addition to the basic insurance policies such as third-party, third-party + limited-casualty and all-risk, there are additional coverages you can choose to expand your insurance. These additional coverages offer you more protection against certain risks and situations.
Think carefully about which extra coverages are important to you. They make your auto insurance more expensive, but can be beneficial in the long run if you really need them.
1
Accidental occupant insurance
This insurance pays money if the occupants become permanently disabled or die in an accident. It helps with medical costs and other expenses after an accident.
2
Indemnity insurance for occupants
This insurance covers more than accident passenger insurance. You also get money for items broken and medical expenses, regardless of who caused the accident.
3
Legal expenses insurance
With this insurance, you get legal help for problems related to your car, for example, in a dispute over a claim or if you want to recover damages from someone else.
4
Breakdown insurance
With this insurance you get help at home and/or abroad if your car breaks down. For example, a flat tire or engine problems. You will often receive temporary replacement transportation if your own car cannot be repaired immediately.
5
No-claim protection
This insurance allows you to report damage once a year without your claim-free years and no-claim discount changing. Please note that your premium may increase, because with most insurers your claim-free years will go down anyway.
Cost of car insurance for a novice driver
For the first 5 years after getting your license, you are a novice driver. The cost of car insurance for a novice driver is higher than for a more experienced driver. The risk of making claims as a novice driver is often a lot higher than a driver with more driving experience.
Insurers see this as a greater risk. This is because the amount of the premium is partly determined by the number of claim-free years. The more claim-free years you have, the higher the bonus malus discount.
What 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, under-24s also pay an age supplement and thus a higher premium.
Here's how to find the cheapest car insurance
Finding the cheapest car insurance starts with comparing car insurance options. By comparing different insurers side by side, you can easily see which insurance fits your situation best and is the most affordable. Pay attention not only to the premium, but also to the coverage.
Old or new car?
The age of your car can also have an impact. Is your car older than 10 years? Opt for third-party insurance, for example. Do you have a new car? An All-risk car insurance is wiser in that case.
Tips for buying new car insurance
- Compare the prices of different car insurance policies to find the cheapest one. This way you can save a lot of money.
- Choose car insurance with no-claims discount, so you pay less if you don't drive a claim. The longer you have no claims, the more discount you get.
- You can choose a higher deductible to lower your monthly costs. You will then pay more yourself in the event of damage, but your premium will be lower.
- Choose car insurance with good coverage, such as all-risk insurance, so that you are well protected against unexpected damage. This can be more beneficial in the long run.
- Pay small claims yourself to build up claim-free years and lower your premium. This can save you a lot of money in the end.
Read more getting car insurance
Frequently asked questions about the cost of car insurance
What does car insurance cost per month?
The monthly cost varies depending on the type of car. For a car in the mini class, car insurance costs average €50 per month. For a mid-class car, this rises to about €88 per month. The cost depends on factors such as age, zip code, claim-free years, the type and weight of the car, the miles you drive and the coverage chosen affect the total cost.
What does car insurance cost on average?
On average, the monthly cost of car insurance is between €50 and €88, depending on the type of car and other factors such as driver age and claim-free years.
What does car insurance cost per year?
On an annual basis, this means that car insurance costs range from about €600 (€50 x 12 months) for a mini-class car to €1,056 (€88 x 12 months) for a mid-class car.
What does third-party insurance for your car cost per month?
On average, you already have third-party insurance for about 20 euros per month. For example, if you have a car from the mini class, 10 claim-free years and live in a village. What an average third-party car insurance costs depends entirely on your specific situation.
For example, do you have 0 claim-free years and live in a big city? Then you quickly pay an average of 50 euros per month for a third-party car insurance.
Why are there large differences between premiums?
Insurers determine the amount of the premium by looking at your personal situation and individual characteristics. This is how they determine the level of risk they face and base the monthly premium on that.
You may pay €100 per month while your neighbor pays €65 for the same car insurance. This is because the premium is different for everyone.
All of these factors help the insurer assess the risk. This affects the premium you end up paying. You yourself also have an influence on the cost of your car insurance. Do you want a cheaper third-party or an expensive but comprehensive all-risk car insurance policy?
It's good to know what you can and can't influence yourself if you want to buy your own auto insurance.
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