{"id":44838,"date":"2025-08-13T13:29:32","date_gmt":"2025-08-13T11:29:32","guid":{"rendered":"https:\/\/www.pricewise.nl\/blog\/?p=44838"},"modified":"2026-02-03T08:22:54","modified_gmt":"2026-02-03T07:22:54","slug":"premies-autoverzekeringen-stijgen-weer-dit-kun-je-doen","status":"publish","type":"post","link":"https:\/\/www.pricewise.nl\/blog\/premies-autoverzekeringen-stijgen-weer-dit-kun-je-doen\/","title":{"rendered":"Premies autoverzekeringen stijgen w\u00e9\u00e9r: dit kun je doen"},"content":{"rendered":"\n<p>De afgelopen jaren was er geen stijging zo hoog als in 2025. Gemiddeld betalen automobilisten nu zo\u2019n \u20ac 175 per jaar meer dan vorig jaar. Dat is een stijging van 19%. Hoe kan het dat autoverzekeringen zo snel duurder worden? En belangrijker nog: wat kun je doen om toch te besparen?<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2>Alle premies zijn duurder geworden<\/h2>\n<p>In juli 2025 lagen de premies voor alle soorten autoverzekeringen fors hoger dan een jaar eerder. Voor de <a href=\"https:\/\/www.pricewise.nl\/autoverzekering\/dekking\/wa-verzekering\/\">WA-verzekering,<\/a> die minimaal verplicht is in Nederland en waarmee je alleen verzekerd bent voor schade aan auto\u2019s van anderen, steeg de gemiddelde prijs met ruim 21%.<\/p>\n<p>De premie voor een <a href=\"https:\/\/www.pricewise.nl\/autoverzekering\/dekking\/beperkt-casco\/\">WA+ beperkt cascoverzekering<\/a> werd 12% duurder. Je bent dan verzekerd voor schade aan auto\u2019s van anderen \u00e9n voor schade aan je eigen auto. Heb je natuurschade of ruitschade? Ook dat is verzekerd met een WA+ beperkt casco, net als schade door een brand of storm of schade door inbraak of diefstal.<\/p>\n<p>Wie een <a href=\"https:\/\/www.pricewise.nl\/autoverzekering\/dekking\/all-risk-verzekering\/\">allriskverzekering<\/a> heeft, betaalt gemiddeld 24% meer dan vorig jaar. Dat is een stijging van meer dan \u20ac 250 op jaarbasis.<\/p>\n\n\n\n<h4>Interactieve grafiek<\/h4>\n\n\n\n<div>  <script type=\"text\/javascript\">  window.PlotlyConfig = {MathJaxConfig: 'local'};  <\/script>  <script charset=\"utf-8\" src=\"https:\/\/cdn.plot.ly\/plotly-2.35.2.min.js\">  <\/script>  <div class=\"plotly-graph-div\" id=\"0dfb1744-dd69-428d-90f6-0b6a104049df\" style=\"height:100%; width:100%;\">  <\/div>  <script type=\"text\/javascript\">  window.PLOTLYENV=window.PLOTLYENV || {}; if (document.getElementById(\"0dfb1744-dd69-428d-90f6-0b6a104049df\")) { Plotly.newPlot( \"0dfb1744-dd69-428d-90f6-0b6a104049df\", 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23px;\">WA<\/td>\n<td style=\"width: 25%; height: 23px;\">\u20ac 50,63<\/td>\n<td style=\"width: 25%; height: 23px;\">\u20ac 72,07<\/td>\n<td style=\"width: 25%; height: 23px;\">\u20ac 86,89<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 25%; height: 23px;\">WA+<\/td>\n<td style=\"width: 25%; height: 23px;\">\u20ac 61,56<\/td>\n<td style=\"width: 25%; height: 23px;\">\u20ac 76,67<\/td>\n<td style=\"width: 25%; height: 23px;\">\u20ac 85,47<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 25%; height: 23px;\">Allrisk<\/td>\n<td style=\"width: 25%; height: 23px;\">\u20ac 81,96<\/td>\n<td style=\"width: 25%; height: 23px;\">\u20ac 90,01<\/td>\n<td style=\"width: 25%; height: 23px;\">\u20ac 112,17<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n<h2>Waarom stijgen de premies?<\/h2>\n<p>Dat autoverzekeringen steeds meer kosten, heeft meerdere oorzaken. Allereerst is er een flinke toename van autodiefstallen. In de eerste helft van 2025 werden er ruim 20% meer auto\u2019s gestolen dan in dezelfde periode vorig jaar.<\/p>\n<p>Daarnaast worden auto\u2019s steeds complexer. Nieuwe modellen zitten vol slimme technologie, zijn vaak groter en zwaarder en kosten daardoor meer om te repareren.<\/p>\n<p>Ook wordt het drukker op de weg. Meer auto\u2019s betekent simpelweg meer kans op ongevallen, en dat zorgt voor hogere schadelasten voor verzekeraars.<\/p>\n<p>Bovendien rijden er In Nederland inmiddels meer dan een miljoen <a href=\"https:\/\/www.pricewise.nl\/autoverzekering\/elektrisch-rijden\/\">elektrische auto&#8217;s<\/a> rond. Die zijn vaak duurder in aanschaf en door hun gewicht en specifieke onderdelen ook duurder om te repareren bij schade.<\/p>\n<p>Tot slot worden onderhoud, onderdelen en arbeidsloon steeds duurder door de inflatie. Die hogere kosten berekenen verzekeraars uiteindelijk door in de premies.<\/p>\n<h2>Wat kun je zelf doen?<\/h2>\n<p>Het belangrijkste is om je verzekering regelmatig te vergelijken. Veel mensen doen dat alleen als ze een nieuwe auto kopen, maar het kan ook lonen om dit vaker te doen. Verzekeraars passen namelijk regelmatig hun premies en voorwaarden aan.<\/p>\n<p>Kijk goed of je huidige <a href=\"https:\/\/www.pricewise.nl\/autoverzekering\/dekking\/\">dekking<\/a> nog past bij je situatie. Misschien heb je nu een allriskverzekering, terwijl WA+ ook voldoende zou zijn voor de leeftijd en waarde van je auto. Andersom geldt dat natuurlijk ook: als je auto veel waard is of als je veel rijdt, kan een uitgebreidere dekking juist verstandig zijn.<\/p>\n<p>Een andere manier om je maandlasten omlaag te krijgen, is het verhogen van je <a href=\"https:\/\/www.pricewise.nl\/autoverzekering\/faq\/eigen-risico-auto\/\">eigen risico<\/a>. Dat betekent dat je bij schade zelf een groter deel betaalt, maar in ruil daarvoor gaat je premie omlaag. Let er wel op dat je dit bedrag ook echt kunt missen als er iets gebeurt.<\/p>\n\n\n\n<p style=\"text-align: center;\"><a class=\"cta-button1\" href=\"https:\/\/www.pricewise.nl\/autoverzekering\/autoverzekering-vergelijken\/\" rel=\"noopener noreferrer\">Autoverzekeringen vergelijken<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>De afgelopen jaren was er geen stijging zo hoog als in 2025. Gemiddeld betalen automobilisten nu zo\u2019n \u20ac 175 per jaar meer dan vorig jaar. Dat is een stijging van 19%. Hoe kan het dat autoverzekeringen zo snel duurder worden? En belangrijker nog: wat kun je doen om toch te besparen?<\/p>\n","protected":false},"author":98,"featured_media":45677,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":"","_links_to":"","_links_to_target":""},"categories":[3],"tags":[],"class_list":{"0":"post-44838","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-autoverzekering","8":"entry"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Premies autoverzekeringen stijgen w\u00e9\u00e9r: dit kun je doen | Pricewise<\/title>\n<meta name=\"description\" content=\"Autoverzekeringen zijn in 2025 gemiddeld 19% duurder. 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