Hide summary
2025 promises to be a year of increased vigilance for policyholders. Whether you own a vehicle, rent or own a home, or even simply care about your health, insurance premiums will increase. But why these increases? Complete analysis of trends for the coming year, based on figures revealed by MoneyVox.
Car insurance facing a significant increase
Motorists are not immune to the trend. In 2025, auto insurance premiums could increase from 4% to 6%.
For a third-party contract, the first averages could pass from 503 euros in 2024 to 533 euros in 2025an increase of 30 euros. As for all-risk formulas, they would increase from 782 euros to 828 euros on average, depending on MoneyVox.
At the origin of this surge, several elements are essential. First, the CatNat surcharge (natural disasters)which applies to theft and fire guarantees, increases from 6% to 9% to cover the consequences of climatic hazards.
To have
Automobile: 5 major reasons why you should change insurance
This increase in prices is combined with the continued rise in auto repair costs : +7.9% in one year according to Automotive Safety and Repair (SRA). The sophistication of modern vehicles, particularly electric ones, complicates repairs and sends prices skyrocketing.
At the same time, the insurance fraud continues to weigh heavily on prices. In 2023, cases of fraud reached 236.8 million euros, particularly around windshield repairs.
The impact of natural disasters on the housing sector
In 2025, prepare yourself for an increase in premiums which could reach between 8 and 12%. A figure that is increasing sharply, largely due to the accumulated role of the famous “CatNat surcharge”, which sees its rate rise from 12% to 20%. The additional cost will be 15 euros per contract for the average consumer.
To illustrate the extent of this increase, let's look at the figures closely. According to data from MoneyVox Market Intelligencein 2024, home insurance for a four-room house cost on average 198 euros per year. In 2025, this same coverage could reach 221 euros, a difference of 23 euros.
As for an apartment of similar size, the annual rate could go from 143 euros to 160 eurosan increase of 17 euros.
To have
Motorists: the essential changes not to be missed from April 1
The causes of this price surge are multiple. On the one hand, the extreme weather events become more frequent and more destructive. On the other hand, insurance companies must face increasingly high costs to cover these risks. The result is a need to reassess insurance premiums, to balance the sector's finances.
Health insurance under pressure in 2025
Health supplements are not left out. The planned increases range between 4.5% and 9.5%. They continue a trajectory already marked by a increase of 10% between 2023 and 2024.
Several factors explain this growing pressure on premiums. First of all, the aging of the population leads to an increase in health care costs. This particularly concerns care related to chronic diseases and aging. Then, the transfers of costs from Health Insurance to complementary insurers increase the financial pressure on the latter.
The reform of 100% healthyalthough beneficial for policyholders, also contributes to increased costs. It imposes a full coverage for certain treatmentssuch as optics, dental and audiology. Result: an increase in costs to be borne by insurers.
In 2025, a 45-year-old could therefore see their health premium go from 695 euros to 761 eurosan increase of 66 euros. For premium contracts, the situation looks even more pronounced. In fact, this premium risks reaching 1,340 euros, or 116 euros more than in 2024.
Source : MoneyVox
