+13.1%
Premium growth slows in eleven of seventeen markets in 2026; Romania grows fastest
In the first half of 2026 premium grew more slowly than in 2025 in eleven of the seventeen markets with figures. Romanian premium grew 13.1%, the most, driven by motor prices.
The chart sets each market's premium growth in the first half of 2026, against the same months of 2025, beside its growth in the full year 2025: it slowed in eleven of the seventeen markets with half-year figures and sped up in Romania (+13.1% against +10.6%), Montenegro (+11.9% against +10.5%), Moldova (+11.6% against +3.1%), Latvia (+7.7% against +4.1%), Poland (+6.6% against +5.7%) and Estonia (+2.1% against −0.6%). Both rates are in local currency; the premium amounts in the table are in euros, so where a currency moved against the euro the change in the euro amounts differs from the growth shown.
In Romania the rise comes mostly from motor liability, whose prices climbed after the regulator's cap ended in July 2025.
Premium grew less than 3% in North Macedonia (−0.6%), Bulgaria (+1.7%; DallBogg, 13% of the market in the first half of 2025, lost its licence in June 2026 and reported nothing for 2026: without it the rest of the market grew 16.7%), Estonia (+2.1%) and Hungary (+2.6%). Half-year figures are year to date and can be revised; Slovenia has not yet published per-insurer figures for 2026.
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
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). Premium growth slows in eleven of seventeen markets in 2026; Romania grows fastest [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insights/slowdown-in-2026
BibTeXShow entry
@misc{polisa_insights_slowdown_in_2026_2026,
author = {{Polisa}},
title = {Premium growth slows in eleven of seventeen markets in 2026; Romania grows fastest},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insights/slowdown-in-2026}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data under each publisher's terms, see Method.