How much does car insurance cost in Italy?
In the first quarter of 2026 the average effective motor third-party liability premium in Italy was EUR 423 a year, according to the national insurance supervisor. That is a national mean rather than a quote: the gap between the dearest and cheapest province is EUR 257.
Verifiable answer
In the first quarter of 2026 the average effective motor third-party liability premium in Italy was EUR 423 a year, according to the national insurance supervisor. That is a national mean rather than a quote: the gap between the dearest and cheapest province is EUR 257.
- How much does car insurance cost in Italy?
- €423 / year
- €395 – €427
- Italy
- 22 July 2026
- Confidence: Medium
- Compulsory third-party liability cover; The premium actually paid, so net of commercial discounts; Annual contracts on private cars; Taxes and the health service levy, already contained in the premium paid
- Optional cover such as theft and fire, comprehensive, windscreen and driver injury; Roadside assistance and legal expenses cover; Motorcycle and moped policies, which have their own averages; Excesses borne by the policyholder when a claim is made; Installing or running a telematics device where the insurer requires one
- The province you live in, worth up to EUR 257 on its own; The driver's age and years since qualifying; The universal no-claims class and claims history; Whether you accept a telematics device; Vehicle type: two-wheelers have entirely different averages and trends; Settlement size: metropolitan cities cost more than small towns
- 3 sources
Short answer
On this cost we publish the supervisor's average and stop there. An individual premium depends on province, age and no-claims class far more than on the insurer, and no single figure can stand for it.
Motor third-party liability cover, known in Italy as the RC auto, is the only motoring expense that is compulsory by law and at the same time set entirely by the market. There is no fee schedule, no decree, no amount that applies to everyone: there is a price each insurer builds around the driver. That makes how much does car insurance cost harder to answer than almost anything else on this site, and makes most of the answers circulating online actively misleading. One source, though, no comparison site can match. IVASS, Italy's insurance supervisor, has since 2013 measured the premiums actually paid on a sample of annual contracts and publishes the results quarterly. Not list prices, not quotes harvested online: money received. That survey shows an average premium of EUR 423 in the first quarter of 2026, up 3.2 per cent on the year, and a gap of EUR 257 between the dearest and cheapest province. A great deal of useful analysis follows from that. What does not follow, and what this guide refuses to do, is turn an average into a quotation.
What is included
- Compulsory third-party liability cover
- The premium actually paid, so net of commercial discounts
- Annual contracts on private cars
- Taxes and the health service levy, already contained in the premium paid
What is not included
- Optional cover such as theft and fire, comprehensive, windscreen and driver injury
- Roadside assistance and legal expenses cover
- Motorcycle and moped policies, which have their own averages
- Excesses borne by the policyholder when a claim is made
- Installing or running a telematics device where the insurer requires one
How the price breaks down
| Item | Type | Frequency | Minimum | Typical | Maximum |
|---|---|---|---|---|---|
| Average effective motor liability premiumThe national mean of premiums actually paid on annual contracts in the first quarter of 2026. It covers compulsory third-party liability only, not add-on cover. | Compulsory | per year | — | €423 | — |
| Median threshold across provincesHalf of Italy's provinces record average premiums above EUR 395. It is the line separating the cheaper half of the country from the dearer half. | Compulsory | per year | — | €395 | — |
| Threshold for the most expensive quarter of provincesIn the dearest 25 per cent of provinces the average premium exceeds EUR 427. Above that line sit mostly southern provinces, plus Rome, Latina, Florence, Prato and Genoa. | Compulsory | per year | — | €427 | — |
| Average discount on the list premiumSome 90.7 per cent of contracts carry a discount, averaging EUR 209 and worth 38.4 per cent of the list premium. A policy's list price is therefore almost never the price anyone pays. | Optional | per year | — | €209 | — |
| Average premium for motorcyclesIn the first quarter of 2026, after an annual rise of 7.8 per cent. For mopeds the average is EUR 220, up 7.1 per cent: two-wheelers are rising faster than cars. | Optional | per year | — | €335 | — |
| Telematics black boxFitted under 16 per cent of car policies in the first quarter of 2026, down from 17 a year earlier. Take-up is very uneven: 54.6 per cent of contracts in Caserta and 44 per cent in Naples. It carries no separate charge but affects the discount available. | Optional | per year | €0 | €0 | €0 |
What the price depends on
- The province you live in, worth up to EUR 257 on its own
- The driver's age and years since qualifying
- The universal no-claims class and claims history
- Whether you accept a telematics device
- Vehicle type: two-wheelers have entirely different averages and trends
- Settlement size: metropolitan cities cost more than small towns
Hidden costs
- Renewal by habit: automatic rollover was abolished in law, but drivers who never compare absorb the increase without noticing
- The drop in no-claims class after an at-fault accident, which weighs on premiums for years
- Optional cover bundled in and never used, which can cost more than the liability cover itself
- Paying monthly or half-yearly, which almost always carries a surcharge
- Suspending a policy on a little-used vehicle, which has its own rules and costs and does not always pay
Three realistic scenarios
Economy scenario
€395
A driver in one of the provinces making up the cheaper half of the country, top no-claims class, no accidents. This sits below the provincial median measured by the supervisor.
Typical scenario
€423
The national average effective premium for the first quarter of 2026, the figure describing all the annual car policies actually written in Italy.
Premium scenario
€427
A driver in one of the top-quartile provinces, where the average premium exceeds EUR 427. These are mostly in the south, joined by Rome, Latina, Florence, Prato and Genoa.
How to spend less
- Ask for the quote both with and without a telematics box and compare: boxes are in only 16 per cent of contracts, but where they are offered the discount is among the largest available.
- Check whether you can inherit the no-claims class of a family member at the same address: it moves a young driver's premium far more than switching insurer ever will.
- Ask for a discount explicitly: 90.7 per cent of contracts carry one, averaging EUR 209, so the list premium is almost never the price paid.
- Compare the annual premium against the instalment version before choosing to pay monthly: instalments are convenient and rarely free.
- With more than one vehicle in the household, get quotes both as a bundle with one insurer and separately: the bundle is not automatically cheaper.
- Review optional cover each year alongside the premium: on a car that has lost value, theft and fire cover can cost more than it could ever pay out.
Frequently asked questions
What is the average cost of car insurance in Italy in 2026?
In the first quarter of 2026 the average effective third-party premium was EUR 423, according to the IVASS IPER survey published on 14 July 2026. These are premiums actually paid on a sample of annual contracts, not quotes. Against the same quarter of 2025 the increase is 3.2 per cent in nominal terms and 1.5 per cent after inflation: prices are still rising but the pace is slowing, after a 7.2 per cent jump in 2024.
Why do you not publish a price for my city?
Because the supervisor's data is organised by province and it publishes the distribution rather than a full list of provincial values we could reproduce with a source against each line. We know for certain that half of provinces exceed EUR 395, that the dearest quarter exceeds EUR 427, and that Naples and Aosta are EUR 257 apart. Going from those three facts to a table of a hundred-odd provinces means interpolating, and interpolating an insurance premium means inventing it.
Why is Naples so much dearer than Aosta?
Because the premium reflects how often claims occur in an area and what they cost, not a judgement on the individual driver. Where there are more accidents, more disputes and larger settlements, the average premium rises for everyone insured there, including drivers who have never caused a collision. The Naples-to-Aosta gap was EUR 257 in the first quarter of 2026, slightly narrower than the EUR 262 recorded a year earlier. It is the sharpest regional difference among all the costs of running a car in Italy.
Is it true that almost everyone gets a discount?
Yes, and it is one of the most instructive figures in the survey. Some 90.7 per cent of contracts written in the quarter carried a discount, averaging EUR 209, worth 38.4 per cent of the list premium. In other words a policy's list price is close to an accounting fiction; only the final premium matters. The practical consequence is that asking for a discount is not a clever tactic but the normal condition of the market, and anyone who does not ask joins the tenth of customers paying full price.
What does it cost to insure a motorcycle or a scooter?
Less than a car on average, but rising faster. In the first quarter of 2026 the average premium was EUR 335 for motorcycles and EUR 220 for mopeds, up 7.8 and 7.1 per cent respectively on the year, more than double the rate for cars. The regional spread is severe here too: moped premiums reach EUR 507 in Naples and EUR 420 in Caserta, while the average motorcycle premium in Naples touches EUR 608.
Do telematics black boxes actually save money?
Where they are offered they affect the discount, but they are less common than people assume and are retreating: in the first quarter of 2026 they covered 16 per cent of car contracts, down from 17 per cent a year earlier, with take-up falling in every province except Syracuse. Distribution is very uneven and concentrated in the south, where premiums are highest: penetration reaches 54.6 per cent in Caserta and 44 per cent in Naples. It is worth asking for both versions of the quote, because the benefit depends on where you live.
Sources and methodology
How we worked it out
Every national and provincial figure comes from the IVASS IPER survey for the first quarter of 2026, published on 14 July 2026 and consulted on 22 July. As a published range we deliberately use not a span of individual quotes, which we cannot source, but the band between the provincial median of EUR 395 and the top-quartile threshold of EUR 427. That is a considered choice: those two numbers describe the measured distribution of provincial averages, whereas any span from EUR 300 to EUR 1,500 would have been an impression. For the same reason there is no region-by-region table: the supervisor works by province and publishes the distribution rather than a complete list we could cite line by line. The comparison-site study among the sources feeds into no published value; it is there only to show how wide individual variation really is.
Why this confidence level
Medium confidence, and not because of the source: the IVASS IPER survey is the supervisor's own measurement of premiums actually collected, and nothing better exists in Italy. Confidence falls because the reader's question is not what does it cost on average but what will it cost me, and against that question a national mean predicts weakly: two drivers in the same street can pay three times as much as one another on age and no-claims class alone. That is why we publish the distribution of provincial averages and decline to publish a range of individual quotes.
Average effective motor liability premium of EUR 423 in the first quarter of 2026, up 3.2 per cent in nominal terms
IVASS — Istituto per la Vigilanza sulle Assicurazioni · Regulator · Verified on 22 July 2026
Published on 14 July 2026 by Italy's insurance supervisor. The IPER survey has measured, since 2013, the premiums people actually pay on a sample of annual contracts, rather than list prices. It is the primary source for every national and provincial figure in this guide.
Authority5/5
Series since 2015, provincial distribution by quartile, average discount applied and black-box penetration
Report IPER — primo trimestre 2026 (opens in a new tab)
IVASS — Istituto per la Vigilanza sulle Assicurazioni · Regulator · Verified on 22 July 2026
The full document behind every specific figure quoted: EUR 423.4 in the first quarter of 2026 against EUR 353.4 in 2022, a provincial median above EUR 395, a top quartile above EUR 427, a Naples-to-Aosta gap of EUR 257, an average discount of EUR 209 equal to 38.4 per cent of the list premium, and black boxes in 16 per cent of contracts.
Authority5/5
A price-comparison study by driver profile: motor cover from EUR 373 for a couple over 40 to EUR 2,060 for a newly qualified driver
Auto sempre più care: quanto spendono gli italiani ogni anno per mantenerle (opens in a new tab)
Motorbox · Press · Verified on 22 July 2026
A motoring magazine's account of a study run by an insurance comparison site across three driver profiles and three cities. It is not a primary source and is not used for any headline figure here: it appears only to show how far an individual premium can sit from the IVASS national average, which is the whole point of this guide.
Authority2/5
Revision history
First published on 22 July 2026 using the IVASS statistical communication of 14 July 2026 covering the first quarter. No individual provincial figure was published because the source releases the distribution rather than the full list.
- 22 July 2026
- 22 July 2026
- 22 October 2026
What did you actually pay?
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