+62%
Romanian motor insurance up 62% since the price cap ended
Since the cap on RCA tariffs ended in July 2025, Romanian motor insurance prices have risen 62%: +38.8% in the year to September 2026, against +3.4% in the EU.
Romania capped motor liability (RCA) tariffs after the failures of City Insurance and Euroins. The cap ended on 1 July 2025 and a reference tariff set by the supervisor ASF took its place.
Eurostat's price index for motor insurance shows what followed: prices rose 62% between June 2025 and September 2026, and annual inflation for the item reached 38.8% in September 2026, the highest of any country Eurostat covers. Prices for all consumer goods in Romania rose 6.5% over the same year.
The rise comes on top of a long climb: the index has roughly tripled since 2015. In the region, motor insurance has also about doubled in price since 2015 in Czechia and Slovakia, against 40% in the EU, 36% in Croatia and 23% in Serbia.
The numbers behind it
More insights
Motor is 53% of non-life premium in the 18 markets, and over half in 12 of them
53%Motor liability and casco brought in €22.78bn of the €43.01bn the 18 markets wrote in non-life lines in 2025, which include the accident and health cover life insurers sell. Scroll through where motor matters most, claims that rise faster than premiums, what a policy costs, how prices moved and Romania after City and Euroins.
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.
Underwriting made money in 17 of 18 markets in 2025, and Poland took 48% of the profit
17 of 18Claims and costs took less than the non-life premium after reinsurance in 17 of the 18 markets in 2025. The region's non-life insurers earned €1.88bn on underwriting and €2.01bn on investments, and insurers reported €5.14bn of net profit, 48% of it in Poland. Scroll through the combined ratio, investments, returns on equity, profit and five years of results.
Pages behind it
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Polisa. (2026). Romanian motor insurance up 62% since the price cap ended [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insights/romania-motor-insurance-prices-after-the-cap
BibTeXShow entry
@misc{polisa_insights_romania_motor_insurance_prices_after_the_cap_2026,
author = {{Polisa}},
title = {Romanian motor insurance up 62% since the price cap ended},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insights/romania-motor-insurance-prices-after-the-cap}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data under each publisher's terms, see Method.