Car insurance: Mimit highlights regional disparities – here are the most expensive regions and counties
At the table with IVASS, ANIA and Unipol. In the background: reports of higher premiums in southern Italy and proposals to revise the territorial criteria
Key points
- The issue raised with the Ministry
Regional disparities in the cost of motor liability insurance policies have become the focus of discussions between the Government, the supervisory authority and insurance companies. The issue was addressed at the Ministry of Enterprise and Made in Italy during a special round-table meeting chaired by Minister Adolfo Urso, with the participation of IVASS, ANIA, Unipol and the Price Surveillance Authority.
During the meeting, the focus was on trends in the motor insurance market, changes in premiums and, in particular, reports received by the Ministry of Infrastructure and Transport regarding premium increases and regional variations in policy costs, particularly in the southern regions.
The data
Let’s start with the figures. The most recent data available are those for the fourth quarter of 2025, published by IVASS in the Iper bulletin. Before looking at the figures, however, a key point needs to be clarified: the cost of motor insurance is particularly high in some regions because it is mainly influenced by the accident rate – that is, the frequency and average cost of claims recorded in the area – along with other factors such as the risk of fraud, traffic density, urban density and the insurance history of the areas.
This is why the South is not always more expensive than the North. Take Tuscany, for example, which is one of the most expensive regions and accounts for six of the top 10 provinces. It is true, however, that Campania is the most heavily represented region in terms of both regions and provinces. In the former, it has the highest average premium (€531), followed by Lazio (€492.3), Tuscany (€485), Liguria (€453.6) and Marche (€429.1). Among the provinces, however, the ranking is led by Naples with an average premium of €604.7, ahead of Prato (€593.2), Caserta (€544.3), Pistoia (€530.5) and Massa-Carrara (€523.5). Next come Florence (520.1), Rome (516.3), Lucca (497.9), Pisa (493.5) and Genoa (492.9).
Looking at the least expensive areas, there are also some in the south. The five least expensive regions are Basilicata (328.6), Molise (342.4), Friuli Venezia Giulia (349.5), Valle d’Aosta (352.5) and Trentino-Alto Adige (374.1); whilst the provinces are Potenza (€312.6), Enna (320.1), Oristano (321.7), Campobasso (€333.8), Pordenone (€338.7) and Belluno (€340.4).
