Inflation on wheels: that’s how much more expensive your car insurance got in four years

October 22, 2025

Third-party insurance

The website Geld.nl has been charting premium trends for car insurance since 2022. According to their figures, you now pay an average of 35 percent more premium than four years ago for third-party insurance. The bare WA insurance – which only covers damage to others – now costs almost 100 euros per month. 99.37 euros to be exact. In 2022, the average WA premium was still 73.39 euros per month. This makes third-party insurance the biggest riser of all forms of coverage. All-risk insurance became on average 24 percent more expensive in the same period, while third-party limited motor insurance (WA+) remained relatively stable with an increase of 19 percent.

Injury and more expensive repairs drive up prices

The causes, according to the study, lie mainly in the rising costs per claim. Consider the increased complexity of car repairs as well as the rising payments for personal injury claims. Cars have become technically more complicated, with more sensors and electronic components. In addition, long-term personal injury claims – partly due to inflation – are increasingly expensive for insurers. Such claims often continue for years, which directly affects premiums.

Young people lift the average

Interestingly, third-party insurance is not only the cheapest in terms of coverage, but now also the most expensive in terms of average monthly premium. This seems contradictory, but has a logical explanation. Many young drivers choose the third-party variant because all-risk is simply too expensive for them. They have little driving experience, few claim-free years and thus little no-claim discount. As a result, they pay considerably more per month, which pushes up the average amount.

End-30s pay the highest price

The premium increase does not hit all age groups equally. Drivers aged 35-39 took the biggest hit: their monthly premium rose from 57.47 euros in 2022 to 83.51 euros in 2025 – an increase of 45 percent. Young drivers (18-20 years old) also saw their premiums increase significantly, by an average of 39 percent. Only over-50s got off a little milder: their premiums increased by about 25 percent.

Rising trend does not seem to be over

Insurers do not expect premiums to drop anytime soon. The rising cost of auto repairs, more expensive electronics and the growth of heavy electric cars continue to squeeze margins. In addition, personal injury claims and repair costs continue to rise.