Insurance premiums continue to rise in 2025, with increases significantly higher than inflation. While the latter is estimated at +1,6 %home and automobile insurance rates will increase respectively by 8% to 12% and of 4% to 6%. This persistent increase is attributable to several factors.
An upgrade of the natural disaster regime
The additional premium linked to the financing of the natural disaster regime (or “Cat Nat”) is experiencing a significant increase. She goes from 12% to 20% for home insurance contracts and 6% to 9% for car insurance. This measure aims to cover increasing expenses linked to extreme weather events.
Increased claims and rising costs
The multiplication of climatic hazardssuch as storms and floods, increase the bill for insurance companies. Added to this:
- A resurgence of theft and vandalism.
- The increase in the price of raw materials and the workforcewhich makes repairs and reconstruction more expensive.
This complex context creates pressure on prices, with direct repercussions on policyholders.
The most expensive cities to insure in 2025
Location of residence is a key factor in insurance pricing. A study carried out by Leocare highlights the geographical disparities in France. Depending on the city, the cost of home and auto insurance can vary by more than €20 per monthfor similar profiles and properties.
Home insurance: the most expensive cities
Ranking of cities for an apartment (60 m²)
Paris, Marseille and Montpellier are among the most expensive cities for home insurance. In 2025, average monthly premiums will reach:
- Paris : 24,25 € (+8,44 %)
- Marseille : 25,55 € (+9,24 %)
- Montpellier : 24,72 € (+8,99 %)
- Bordeaux : 21,23 € (+10,86 %)
- Rennes : 16,24 € (+9,85 %)
Ranking of cities for a house (100 m²)
Houses in Paris have the highest premiums, reaching €58.46 per monthfollowed by Marseille (57,48 €) and Montpellier (55,04 €). Bordeaux ranks 7th with 49,77 € (+8,33 %).
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Car insurance: marked gaps
Car insurance is particularly expensive in Corsica and in large cities. The top ten most expensive cities include:
-- Ajaccio: €69.31 (+9.26%)
- Marseille : 65,65 € (+11,64 %)
- Antibes : 56,65 € (+8,87 %)
- Blanc-Mesnil: €56.55 (+11.21%)
- Saint-Denis: €56.13 (+11.75%)
The Île-de-France region dominates this ranking with five cities in the top 10. These areas are characterized by a high loss experiencedue to thefts and accident-prone roads.
Why these geographical differences?
Price disparities are mainly explained by:
- Urban density : Large cities present increased risks of losses, such as burglaries or accidents, which justifies higher premiums.
- Natural disasters : Certain regions are more exposed to extreme weather events, directly influencing prices.
- Local costs : Labor and materials, more expensive in some areas, increase the price of repairs.
Thus, less populated or less exposed areas, such as Rennes or Strasbourg, offer more attractive prices.
Study methodology
The study carried out by Leocare is based on the analysis of 540 home insurance quotes and automobiles in several large French cities:
- Home insurance : The data concerns apartments of 60 m² and houses of 100 m², with movable capital declared between 6,000 and 75,000 euros.
- Car insurance : The prices have been established for a driver owning a Peugeot 208 (2018), with a profile without claims or incidents, in an all-risks formula.
The gaps highlighted reflect local realities and insurer trends for 2025.
How to pay less?
Faced with these increases, here are some ways to reduce the bill:
- Compare offers regularly : Bringing competition into play allows significant savings to be made.
- Adapt the guarantees : Reassessing your needs can reduce costs, particularly by removing unnecessary options.
- Opt for higher deductibles : This strategy reduces monthly premiums.
- Consolidate contracts : Taking out home and car insurance with the same insurer may entitle you to reductions.
Policyholders will need to remain vigilant and proactive to contain the impact of these increases in 2025.
