Motor liability increases of 7.2%: insuring a car costs an average of 458 euros

For over 800 thousand people the insurance merit class will rise this year, due to a car crash with guilt declared in the course of 2022. An estimate by the observatory of Easy.it: to be precise, 815,000 policyholders will see the cost of the motor liability premium increase.

According to the analysis of the comparator – carried out on a sample of over 720 thousand estimates collected on Facile.it in December 2022 – the number of motorists affected by the price increases is up 2% over last year. But it’s not bad only for those who, in whole or in part, caused an accident. In the last 12 months, in fact, the rates of the policies are back to climb for alleven for the virtuous: according to data in December 2022, to insure a four-wheeled vehicle in Italy, on average, 458.06 eurosthat means 7.23% more than in December 2021. And this is the line that will remain for the first months of 2023.

«To affect the upward trend – he explains Andrea Ghizzoni, managing director insurance of Facile.it – ​​there are several factors; on the one hand the increase in road accidents, on the other the inflation which is also having repercussions on the cost of claims. In a context of price increases, therefore, comparing the offers on the market could be a solution to save money and counteract any future increases”.

These are price increases that come at a delicate moment for Italian families already grappling with inflation and the consequent increases on practically all fronts of daily expenditure, including fuel which, despite falling prices, with the end of the discounts decided by the government on excise duties have started to rise again, recovering the full price from January 1st. According to the survey commissioned by Facile.it to the mUp Research and Norstat institutes, in the first nine months of 2022 alone there were already more than 700,000 motorists who, due to the generalized increase in costs, had declared that they have missed the renewal payment of car insurance. An audience of defaulters that could further expand if we consider that they are over 1.5 million the Italians who have admitted that they may be forced to skip the next renewal in the event of further price increases.

It must be remembered that it is absolutely illegal circulate without insurance and that whoever moves a car (but even if it is parked) without coverage or with expired insurance is subject, in the event of control by the police, to a fine that varies from 866 to 3,464 euros. Agents also have the instant cessation of road circulation of the vehiclewhich is picked up by a tow truck and taken to a place not open to traffic.

If at national level the percentage of motorists who declared an accident with fault during 2022 is equal to 2.51%, analyzing the sample on a regional basis, significant differences emerge. In the ranking in the first place there is once again the Liguria: in the region 3.32% of drivers will see the cost of the car liability increase. Motorists from Lazio (3.05) and Piedmont (3.02%) follow. The lowest percentages, on the other hand, were found in Calabria (1.52%), Basilicata (1.87%) and Molise (2.02%). Among men, the percentage of those who declared an accident with negligence is equal to 2.32%, a lower value than that recorded among women (2.84%). Looking at the age groups, on the other hand, it emerges that the lowest number of accidents with negligence reported by far were motorists in the 19-21 age group; among them, the percentage of those who will see their credit rating worsen due to a negligent claim is just 1.74%; 25-34 year olds follow (2.23%). The highest value, however, is recorded among the over 65s (3.10%).

Lastly, considering the profession of the insured, it emerges that commercial agents were the category which, in percentage terms, most frequently declared a fault with fault (3.16%) which will trigger an increase in the policy. Followed by retirees (3.04%) and freelancers (2.73%).

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