A study by Meilleurtaux Assurances highlights the major differences in car insurance prices depending on where the vehicle is driven. Traffic density and risk of theft are all criteria that weigh on the final premium.
In 2023, the auto insurance premium will increase by an average of 2.5% 5% depending on the estimates and the profile of the contracting party. And according to a study by Meilleurtaux Assurances published this week by Capital, there are also large differences in prices depending on where the vehicle is driven. And the difference is sometimes enormous: 44%!
The road accident rate in the region and the history of claims are two factors scrutinized by insurers, explains Samuel Bansard, spokesperson for Meilleurtaux Assurance Capital. The more vehicles a department has, the higher the chances of an accident.
In addition, the parking supply is mainly concentrated on public roads and constitutes an additional source of claims. The cost of risk is therefore higher. And the amount of the premium follows. The frequency of vehicle theft is also taken into account.
Even higher prices for SUVs
In concrete terms, a married couple, aged 36 to 40, with 2 children who opts for all-risk insurance, benefits from a maximum bonus and has a garage will pay 835euros in Corsica and 563euros in the Channel.
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If he drives an SUV, which is increasingly the case with families, the bill will be even higher. This type of vehicle, which represented almost one in two new registrations in 2021, costs insurers a fortune in the event of damage.
Within the same region, the differences in tariffs can also be substantial. In Auvergne-Rhne-Alpes, Lyon pulls prices up and insuring your car in the Rhne will require a budget almost 25% higher than in Savoie.
So to save money, revise your contract at least every two years. Check the options taken out, their usefulness and their price. Thanks to the competition for contracts, the average savings are around 300,350 euros per year, estimates Samuel Bansard.
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