Insurance: which are the most expensive and cheapest regions to insure a car?

You are aware that to drive your car, whether thermal or electric, you must be covered by car insurance! Motor insurance in France is a compensatory principle intended for land motor vehicles… This insurance has been compulsory in France since 1958 and is governed by the Insurance Code, it allows financial support to be provided for material and/or bodily losses which result from a road accident… The price of auto insurance depends on many factors. Like the bonus, or the penalty, but also the date of obtaining the driver’s driving license, the power and nationality of the vehicle, or even the region in which the insurance is taken out. So, is it better to live in Paris or in Brittany to get insurance? Explanations.

Which were the cheapest regions in 2021?

In a study carried out by the insurance comparator, we learn that it is better to live in Brittany than in the Pays-de-la-Loire for example… In Brittany, the average annual premium is 545.32 € when you have to pay €571.43 in Nantes, or €568.16 in Rouen, in Normandy! Nouvelle-Aquitaine, with an annual premium of €583.13 for the same insurance product, was in 4th position of the least expensive regions of France…

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And the most expensive then, where are they?

Everyone will think that Île-de-France is the most expensive region in terms of insurance. And yet, even if this region is one of the most expensive, it is not at the top of the ranking! In first place are the overseas departments with an average annual premium of €1,195.54, followed by Corsica with €829.26 and the Provence-Alpes-Côte-D’azur region with €756.03. €… Île-de-France with 718.47 € therefore arrives in 4th position, sweeping away a little bit the ideas received on this immense region of France, the most populated obviously! Contrary to popular belief, Île-de-France came in 4th position in this ranking of the most expensive regions, with an annual premium of €718.74. To find out the price of insurance in your region, you can, for example, carry out a car insurance comparison via a site like to find the best price for your car insurance… And, sometimes, the price differences are really substantial!

Where would you have to live to pay as little as possible?

Teleworker friends, you will have to migrate to Évreux, Guéret or Auch to pay less for your car insurance… Departments with a “natural” tendency, which allow you to make some substantial savings. Indeed, in Guéret in Creuse, the annual contribution amounted in 2021 to €469.16, for Évreux, in Eure, it was €474.86 and for Auch, in Gers, the annual premium was from €487.17!

And, where shouldn’t we finally move?

The most expensive of the French departments is a heavenly department in terms of climates and landscapes, but much less attractive in terms of price… In Reunion, the most expensive department in France, you have to pay €1269.60 for a year’s stay. insurance… We will also avoid Bastia (Haute-Corse) which displays 844.66 €, Marseille (Bouches-du-Rhône) with a price of 821.16 € or even Ajaccio (Corse-du-Sud) with 821.16 € .

What other factors can affect car insurance prices?

Regional differences are just a small drop in the ocean of car insurance price differences. Young drivers, therefore having less than three years of license, are sometimes “murdered” by insurance premiums, especially if they have the misfortune to already have a penalty. The annual premiums for young drivers vary from 1048.86 to 1321.11 € without regional distinction or vehicle power… Young drivers are not only those who have had their license for less than three years, but also all people who have not have not been insured during the last three years… Comparing before taking out a contract remains the best way to find the best price for the same guarantees. Think about it before signing your contract.

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