Insurance rates expected to rise again in 2026

Facts & Figures, a consulting firm, forecasts further increases in insurance premiums for French consumers in 2026.

In the motor insurance sector, premiums are expected to rise by an average of 4% to 5%, driven primarily by the surging costs of spare parts and labor, as well as the increasing number of road accident-related injuries and fatalities.

As for comprehensive home insurance, the anticipated increase ranges from 4% to 6%. This rise is attributed to several factors, including the revaluation of the additional premium that funds the natural disaster compensation scheme, a growing number of extreme weather events, and escalating repair costs, all of which are pushing insurers to adjust their pricing.