The price of car insurance will soon increase because of a tax and the climate

691 euros per year: this is on average what the 40 million French motorists pay to insure their vehicle in 2026. An inevitable expense since having car insurance is an obligation for anyone wishing to drive in France.

This average, revealed in the latest barometer of the insurance comparator LeLynx, published in September 2026, hides significant disparities. The annual cost of car insurance varies depending on the profile of the drivers and the vehicle in particular.

According to a study conducted by Auto Plus, driving experience can largely influence the price charged by the insurance company. For comprehensive insurance, a young driver will have to pay on average 2,276 euros per year while a driver with a 50 bonus will pay on average 642 euros over the year.

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The bonus-malus coefficient also plays a major role in calculating the rate. Still according to Auto Plus, a driver benefiting from a 50 bonus pays on average 348 euros per year for third-party insurance while a penalized driver spends on average 1,511 euros per year for the same coverage.

Whatever the amount of the bill paid by motorists, it is expected to increase from January 1, 2027. The Addactis firm, specializing in the insurance sector, forecasts an increase of around 4% in the prices charged by automobile insurance next year. Concretely, in 2027, a motorist will spend on average 718 euros to insure their vehicle, or 27 euros more than in 2026.

In question, the companies anticipate an increase in claims to be compensated in 2027. An additional cost that they intend to pass on to their policyholders. Indeed, under the effect of global warming, weather hazards become more intense and more frequent from year to year. Floods, fires, hail or storms damage vehicles. The cabinet also notes a significant risk of riots, due to the particularly tense social context.

If the increase in insurance premiums is certain, another increase could in turn add a little more cost to the bill. A measure included in article 14 of the finance bill for 2027 provides for the increase in a tax levied on automobile insurance premiums. This is the tax on insurance agreements (TSCA).

This fee paid to the departments aims to finance the fight against fires, in particular because motorized vehicles can contribute to the spread of flames. The government therefore wishes to increase the TSCA from 18% to 18.9%, an increase of 0.9 points.

Machine-translated from French