How the figures are counted: motor is motor third-party liability (TPL) and casco, as a share of each market's non-life premium in 2025, from the line split on the market pages. Non-life premium here is the sum of the non-life lines, €1.01bn more than the non-life premium on the market pages, mostly the accident and health cover of Polish life insurers; on that basis motor is 54%, and over half in thirteen markets (Poland 51%). The average claim and premium are motor liability claims paid and premium over the policies in force, from the motor bureaus' and supervisors' statistics, in euros, so currency moves count; the markets without such statistics are hatched on the map.
Prices are Eurostat's harmonised index of consumer prices for motor insurance (personal transport insurance), the average of 2025 against the average of 2021, beside the index of all consumer prices; it measures the change in the price of the same cover, not its level. Romania's shares are ASF's premium by insurer, as on the Romanian market page.
The numbers behind it
| Market | Non-life premium | Motor TPL | Casco | Motor | Per policy | Claim since 2021 | Premium since 2021 | Prices 2021–2025 |
|---|---|---|---|---|---|---|---|---|
| Poland | €16.08bn | 28% | 21% | 49% | €145 | +72% | +25% | +36% |
| Czechia | €6.11bn | 23% | 24% | 47% | €144 | — | — | +36% |
| Hungary | €3.10bn | 29% | 16% | 46% | €143 | +43% | +19% | +36% |
| Romania | €3.60bn | 48% | 23% | 71% | €267 | — | — | +72% |
| Slovenia | €2.64bn | 36% | 23% | 58% | €157 (2024) | +4% (to 2024) | +30% | +32% |
| Slovakia | €2.04bn | 25% | 30% | 56% | €165 | — | — | +59% |
| Bulgaria | €2.24bn | 38% | 31% | 69% | €147 (2022) | −1% (to 2022) | −5% | +12% |
| Croatia | €1.77bn | 35% | 20% | 54% | €163 (2024) | — | — | +24% |
| Lithuania | €1.34bn | 29% | 23% | 51% | €190 | +37% | +46% | +41% |
| Serbia | €1.34bn | 35% | 15% | 49% | €145 | +30% | +28% | +21% |
| Latvia | €723m | 17% | 21% | 37% | — | — | — | +35% |
| Estonia | €589m | 20% | 30% | 50% | — | — | — | +35% |
| Bosnia and Herzegovina | €487m | 60% | 14% | 75% | €188 | +20% | +19% | — |
| North Macedonia | €239m | 43% | 10% | 54% | €93 | +8% | +1% | ±0% |
| Albania | €252m | 69% | 8% | 76% | €196 | +16% | +35% | +2% |
| Kosovo* | €171m | 56% | 7% | 63% | €150 | −3% | −1% | ±0% |
| Moldova | €165m | 49% | 22% | 71% | €64 | +60% | +57% | — |
| Montenegro | €117m | 44% | 11% | 55% | — | — | — | +2% |
Non-life premium written in 2025 and its lines, as on the market pages; motor = motor TPL and casco. Per policy: motor liability premium over the policies in the motor bureaus' and supervisors' statistics, in euros, latest year. Claim and premium since 2021: the average motor liability claim paid and the average premium per policy, 2021 to the latest year, in euros. Prices: Eurostat's HICP for motor insurance, the average of 2025 against that of 2021.
More insights
Motor liability claims are rising faster than premiums in Poland and Hungary
+72%The average motor liability claim paid in Poland rose 72% between 2021 and 2025, the average premium 25%. In Hungary claims rose 43%, premiums 19%.
Motor liability is 54% of all insurance premium in Kosovo*
54%Compulsory motor liability brought in €96m of Kosovo's €179m premium in 2025, 54% of the total; only Albania relies on it more. Life insurance is 5% of premium and health 22%, and Kosovans spend €113 a year on insurance, less than anyone in the region but Moldovans.
Storms, floods and supplementary health made 2023 Slovenian insurers' only underwriting loss since 2021
104%Slovenia's non-life combined ratio after reinsurance rose from 93% in 2022 to 104% in 2023 and was back at 90% in 2024. Reinsurers paid 22% of the year's claims, against 12% a year earlier.
Pages behind it
When the figures change
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). Motor is 53% of non-life premium in the 18 markets, and over half in 12 of them [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insights/motor-insurance-across-the-region
BibTeXShow entry
@misc{polisa_insights_motor_insurance_across_the_region_2026,
author = {{Polisa}},
title = {Motor is 53% of non-life premium in the 18 markets, and over half in 12 of them},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insights/motor-insurance-across-the-region}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data under each publisher's terms, see Method.