How Much Does Car Insurance Cost in the Netherlands in 2025?
Car insurance is compulsory in the Netherlands for anyone who owns and drives a motor vehicle.
Like in many European countries car insurance costs are different depending on various factors, Example policy type, driver profile, location and the type of vehicle.
In 2025 Dutch car insurance rates have continued to rise albeit slowly, due to inflation, repair costs and changes in the automotive industry (especially electric and hybrid development).
Overview of Required Coverage
In the Netherlands all owners of vehicles are obliged to carry a minimum amount of third party liability insurance called Wettelijke Aansprakelijkheid (WA).
The insurance policy covers damage caused to other persons and their property – it doesn’t cover the owner’s car. Insurance policies with greater coverage will include damage from theft, weather and accident damage to the insured vehicle.
These policies can be called Beperkt Casco or All Risk (Volledig Casco).
Average Car Insurance Costs in 2025
According to the market data as of 2025: Average monthly premium for car insurance in the Netherlands ranges from €50 to €88 depending on cover level:
WA (Third-Party Only) - the most basic, legal requirement policy usually costs between €30 and €50 per month. Typically it’s a choice made by owners of older cars or motorists that need as little protection as possible.
WA: Beperkt Casco (Limited Comprehensive) The middle price level policy, offering third party liability and comprehensive cover for theft, fire and other natural disasters, averages between €33 and €52 per month.
All Risk (Full Comprehensive): As the best policy with total protection and coverage for self harm this policy has a price range between €47 and €88 per month, the most common of these policies being those of new or high value cars.
Annual Premium Increases
Between 2022 and 2024 the premium for car insurance in the Netherlands grew quite significantly. In July 2022 the average annual premium was about €916 and in July 2024 it hit about €1, 187, an increase of more than 29 percent. This has continued into 2025, however, with a slower increase.
Several factors have contributed to this rise:
Higher Costs of Repairs - Cars are now much more advanced with electronics and sensors, making even simple repairs very expensive.
Electric and Hybrid Vehicles - often are more heavy and require more specialized repairs which increases claim costs.
Labor Shortages in the Automotive Sector Longer repair turnaround times and costlier labor due to lack of qualified mechanics and body shop technicians.
Different Costs for Car Insurance Depending on Where You Live
Your place of
residence is a major determinant in the rates that are used to calculate the
cost of car insurance throughout the Netherlands. In most cases, the closer you
are to a big city, the more you pay. There is an increased risk of theft,
vandalism, and accidents there, for which you are compensated (via the higher
insurance rates)
ü Zuid-Holland: This province is good for being
in the top 3 of the most expensive monthly rates (an average of €89).
Rotterdam, AKA the Rotjeknor, is packed with people and cars! Does that speak
for itself…
ü Noord-Holland: The monthly premium in
Noord-Holland is the second most expensive, e.g. €78. The monthly insurance is
higher in Amsterdam and its surrounding area because of busier traffic.
ü Friesland and Drenthe: Less crowded regions
have lower car insurance rates. The average insurance is almost always under
€60 per month. The lower number of traffic accidents and car burglaries in
these provinces also contribute to this.
What Determines Your Monthly Rate?
Next to the
insurance policy and place of residence, there are a few other factors that
influence your car insurance rates:
ü Your Age and Experience: In principle it is
usually the case that the younger and less experienced the driver, the more
that has to be paid for car insurance, as your statistical risk is higher.
ü Your Potential Claim History: With every year
that you do not drive a negative bump on your insurance record or make any
claims, the higher the no-claim discount you can accumulate over your insurance
company will become. This No-claim discount could amount to as much as 80%
after the maximum number of claim-free years.
ü Make and Model of Your Car: Do you have a
luxurious car, a car with a lot of horsepower or one that is electrical? Then
expect to pay a little more as comprehensive coverage for such cars usually
includes higher costs, if you look at the premiums. But also the fact that a
repair or replacement of a luxury car is more expensive plays a role in the
premiums for the comprehensive coverage.
ü The Number of Kilometres Driven per Year: The
more kilometres that you drive annually, the more likely you are to make a
damage claim on your insurance.
ü Beveiliging: Bij een diefstalpreventie of een
parkeergarage komt jouw auto verzekerd uit.
Extra's
Met een
autoverzekering in Nederland heb je in sommige gevallen nog aanvullende extra's
of dekkingen die je kunt meeverzekeren. Veel voorkomende aanvullingen zijn:
ü Pechhulp: Handig als je pech onderweg hebt, zeker
wanneer je ergens afgelegen bent of in het buitenland.
ü Rechtsbijstand: Hiermee verzeker je jezelf voor juridische
kosten die je kunt tegenkomen na een verkeersongeval of -conflict.
ü Noclaimbescherming: Met dit dekkingselement blijft je
no-claimkorting gewoon staan na het indienen van een schadeclaim.
Conclusion
Dutch car insurance for the year 2025 continues to be an indispensable and costly burden for car owners in Netherlands.
Dutch car insurance comes with different types of coverage and the driver’s profile as well as where they are located determines the premium payable.
Basic third party liability attracts a premium of €30 while full comprehensive plans exceeds €80.
Even though costs have risen in the last few years, affordable policies and expense mitigating policies still exist as do policies within policies for expense mitigating.
Due to advancements in technology, infrastructure and regulations such as 'going green', insurance providers will need to make further changes while needing users to constantly scrutinize their policies.