Premies autoverzekeringen blijven fors stijgen

De premies voor autoverzekeringen blijven stijgen. Uit de meest recente gegevens van vergelijkingswebsite Pricewise blijkt dat de gemiddelde premie voor autoverzekeringen in juli 2025 harder is gestegen dan ooit. Het gaat om een gemiddelde stijging van 175 euro per jaar, een toename van 19 procent ten opzichte van juli 2024.

Stefan de Gooijer, expert verzekeringen Pricewise “De afgelopen maanden stijgt de premie voor autoverzekeringen explosief. Dit komt vooral door inflatie, stijgende diefstalcijfers en hogere reparatiekosten.”

Stijging per dekkingstype

Er is een stijging zichtbaar bij alle dekkingsvormen. De gemiddeld afgesloten premie steeg op jaarbasis met 21 procent naar meer dan 1.000 euro per jaar voor de (verplichte) basis WA-dekking.

Ook de WA+ dekking stijgt hard door met een toename van 12 procent in premie.

De allriskverzekering spant de kroon met een premiestijging van 24 procent en komt hiermee ruim boven de 1.300 euro per jaar uit voor afgesloten polissen. Dat is een stijging van meer dan 250 euro aan premie per jaar.

Interactieve grafiek

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Gemiddelde maandpremies

Oorzaken van de premiestijging

Dat de premies maar door blijven stijgen heeft meerdere oorzaken. Zo is er een flinke toename in criminaliteit. In de eerste helft van 2025 is het aantal autodiefstallen met meer dan 20 procent gestegen ten opzichte van dezelfde periode in 2024 volgens stichting VbV.

Daarnaast worden moderne auto’s steeds slimmer, groter en zwaarder, wat bijdraagt aan hogere schadebedragen en herstelkosten bij ongevallen.

Ook neemt het aantal voertuigen op de weg toe, wat zorgt voor meer drukte en dus de kans op ongevallen vergroot. Dat verhoogt de risicopremie.

Verder zijn er sinds dit jaar voor het eerst meer dan 1 miljoen stekkerauto’s op de weg. Elektrische auto’s zijn doorgaans duurder en zwaarder dan brandstofvoertuigen, wat resulteert in hogere reparatiekosten bij schade evenals impact van schade.

Tot slot ontkom je natuurlijk niet aan de algehele inflatie en stijgende kosten. Nederland loopt voorop in de EU qua inflatie. Stijgende loon- en herstelkosten leiden tot hogere uitgaven voor verzekeraars en hun partners. Dit alles bij elkaar uit zich in aanzienlijk hogere verzekeringspremies.

Advies aan consumenten

Stefan de Gooijer, verzekeringsexpert bij Pricewise: “Vanwege deze recordstijging in autoverzekeringspremie is het nog belangrijker om te controleren of je huidige verzekering nog steeds wel het beste bij je past, ook als er niets in je persoonlijke situatie is veranderd. Verzekeraars wijzigen de premies en polisvoorwaarden namelijk regelmatig. Kijk daarnaast ook goed naar de polisvoorwaarden, zodat je de autoverzekering kiest die past bij jouw wensen en behoeften. Het hele proces van vergelijken tot overstap kost je nog geen vijf minuten, maar kan je honderden euro’s per jaar besparen.”