+13.6%
Lithuania and Moldova have grown fastest since 2021
Premium in Lithuania grew 13.6% a year from 2021 to 2025, in Moldova 14.8% in lei. Slovakia, Poland, Czechia and Croatia grew about half as fast.
Measured in each market's own currency, so exchange-rate moves do not count, Moldova and Lithuania top the region for premium growth since 2021: 14.8% and 13.6% a year. Bulgaria and Serbia follow at about 12.5–12.7%. The large EU markets grew slowest: Slovakia 6.5%, Czechia 6.8%, Poland 6.9% and Croatia 7.9% a year. Slovenia's 8.3% a year includes the €697m Triglav wrote in Italy in 2025, which Slovenia's figures count from that year; without it, 2.2%, the slowest of the 18.
Lithuania's growth is broad: health insurance premium rose 2.5 times between 2021 and 2025, property 2.1 times, casco 80% and motor liability 63%, while life grew 23%. With inflation of 0.9% in 2024 and 3.4% in 2025, most of the recent growth is real. The market reached €1.73bn in 2025, more than Latvia and Estonia together.
Moldova's premium rose from €92m to €171m in euros, from a small base and with far higher inflation than in the EU markets. Motor liability, including Green Card, is 49% of its non-life premium and rose 1.9 times. Growth is premium in local currency, latest year against 2021; Moldova's figures are in lei.
The numbers behind it
More insights
Premium is 2.1% of GDP across the 18 markets and outgrew it in 8 of them
2.1%The 18 markets wrote €56.87bn of premium in 2025, 2.1% of their GDP and €479 per person, while their GDP per person is 54% of the EU average. Scroll through the gap per person, growth since 2021 before and after inflation, where premium outgrew the economy and the outlook to 2028.
Serbia's premium grew 12.5% a year since 2021, the fastest in the Western Balkans
+12.5% a yearSerbian insurers wrote €1.63bn of premium in 2025, 60% more than in 2021: 12.5% a year in dinars, the fastest of the six Western Balkan markets and fourth of the 18 Polisa covers. Growth has not changed who writes it: Dunav and Generali hold 45% between them, against 46% in 2021. Premium is still 1.8% of GDP.
North Macedonia's premium fell 0.6% in the first half of 2026 after growing 11.4% a year since 2021
−0.6%Premium written in North Macedonia in the first half of 2026 was 0.6% below the first half of 2025, the only fall among the seventeen markets with figures for 2026, after four years of growth between 9.9% and 12.3%. One insurer explains it: Eurolink's premium fell 43% from an unusually large first half of 2025; the rest of the market grew 7.5%.
Pages behind it
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Every data update is listed with its date, newest first: new figures, corrections and what they changed.
What changedCiteCite this pageThe reference in APA style and as BibTeX, each with a copy button, and the terms of reuse
Polisa compiles the figures; the original sources are named on this page and on the method page.
Polisa. (2026). Lithuania and Moldova have grown fastest since 2021 [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insights/lithuania-and-moldova-grow-fastest
BibTeXShow entry
@misc{polisa_insights_lithuania_and_moldova_grow_fastest_2026,
author = {{Polisa}},
title = {Lithuania and Moldova have grown fastest since 2021},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insights/lithuania-and-moldova-grow-fastest}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data under each publisher's terms, see Method.