What does car insurance cost?
You have bought a new car. Naturally, you want to be on the road as soon as possible. But first you need a car insurance. How much does car insurance cost? This question is not easy to answer. The premium depends on several factors. The premium depends on your age, place of residence and any damage free years. But also the type of insurance and the different providers are important.
What does car insurance cost on average per month?
The cost of car insurance varies enormously from month to month. On average, car insurance costs about 75 euros per month, but the premium is different for everyone. You might pay 30 or 90 Euros per month. The premium of a car insurance is determined by looking at individual characteristics of the insured. The insurer actually only looks at how big the risk is that they are running and based on that they determine the premium for your car insurance.
The cost of car insurance consists of:
- Premium for coverage
- Premiums for supplementary motor insurance policies
- Policy costs (for drawing up the policy and registering the car with RDW)
- Prolongation fee (administration fee)
- 21 %insurance tax
Top 8 Cheapest Car Insurance in the Netherlands in 2024
When you buy car insurance, you are probably looking for insurance that is as cheap as possible. Besides the fact that the car insurance has to be cheap, it is also important that the car insurance fits your needs. Therefore, we always advise you to use a comparison tool. This way you can find out which car insurance is best for you.
| Car Insurance | Cover | Monthly premium | |
|---|---|---|---|
| ASR Advantage Package | WA | €16,09 | Calculate premium |
| Nationale Nederlanden Schadeverzekering NV | WA | €17,79 | Calculate premium |
| AutoPrismaPolis | WA | €18,41 | Calculate premium |
| Allianz Car Insurance | WA | €24,59 | Calculate premium |
| AutoExcellentPolis | WA | €24,99 | Calculate premium |
| Avero Calmly on the Road | WA | €26,21 | Calculate premium |
| Avero Achmea well on the way | WA | €26,95 | Calculate premium |
Determining factors for the cost of car insurance
The average cost of car insurance depends on various factors. Important premium determining factors are:
- The selected coverage
- The number of claim-free years you have accumulated
- Your age
- Your postal code
Cost of car insurance for a novice driver
You can also insure a car as a beginner driver. However, the costs of car insurance for a beginning driver are higher than for a more experienced driver. When you get your driver's licence, you will be a beginner driver for the first 5 years. The chance that you, as a beginner driver, will cause damage is often higher than for a driver with more driving experience. Insurers see this as a bigger risk. The costs of car insurance for an 18-year old are therefore often much higher than for a more experienced driver.
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