After two months of respite, the Auto RC rates They start up again, with direct effects for millions of motorists. IVASS indicates that in December 2024 the average prize touched i 419 eurosupward compared to the 416 euros in October and November. The trend confirms a trend that worries consumers and sector associations.
On an annual basis, the increase in the last quarter was 6.6% in nominal terms and 5.3% in real terms. The current level exceeded the pre-plays, when in 2019 the average prize stood at 404 euros, but remains even lower than 12.2% compared to the same period of 2014. Let’s see where you pay more and the reasons for these increases.
The provinces with the Auto RC increases more high
The analysis of the data reveals a varied framework at a territorial level, with marked differences between the Italian provinces. Those who suffered the highest increases are:
- Rome (+10.3%);
- Lecce (+8.7%);
- Catania (+8.6%).
Overall, the increase concerned the whole country, with variations between +3% and +10.3%. In a third of the provinces, the increase in the average prize exceeded the national average.
The gap between Naples And Aosta It stands at 262 euros, recording an increase of 8.6% compared to 2023, but with a flexion of 41.5% compared to 2014.
Between 2021 and 2024, the cost of Auto RC policies resumed growing, marking an increase of 12.6% and touching 398 euros in July 2024.
After a long period of decrease, the market reversed route, although the I raise in Italy remained inferior to the one recorded a European levelwhere he stood at 19.6%.
The complaint of consumer associations
Ivass reiterated the concerns advanced by various consumer associations. According to the Codaconssince 2022, with the dear of the Auto RC policies, prices increased by 18.7%.
THE’average increase he stood at 66 euros per contract. This increase has led to a significant impact on Italian families, with an estimated overall burden in 2.2 billion euros In two years.
Also theNational Consumer Union expressed criticisms on the trend of car RC rates, defining the unjustified increases from data relating to claims.
As President Massimiliano Donà observed, highlighting the price differences between the provinces:
The 417 euros of the average prize are a level that was not seen from the fourth quarter of 2016.
SolosInstead, he pointed the finger at the increase in rates, claiming that there is no direct correlation with the number of road accidents or with repair costs.
President Gabriele Melluso stressed that in 2024 the number of claims is decreased by 4.3% Compared to the pre-plays, with a reduction of 6.8% of the victims and 8% of the injured.
The reasons behind the increase in policies
The increase in car RC insurance is not the result of the case, but the result of a series of factors that intertwine between market, inflation and insurance practices.
Second Aniathe increase is closely linked to the growth of Cost of the claimsinfluenced by the increase in repairs and compensation expenses.
Between 2022 and 2024, the cost of spare parts has risen to 14.2%while i compensation for damages The person underwent a surge of 16%.
A dynamic driven by inflation, which made any intervention more expensive, from materials to repair operations.
Despite this pressure on prices, in the long run the average premium has undergone a 25% contraction between 2012 and 2024.
