Car insurance: discover the cities where it costs you the most in 2025

Auto insurance prices are increasing by 5% on average this year, according to a Leocare study. Here are the 10 cities where they are the highest and the municipalities where these rates remain the lowest.

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In 2025, “no respite for policyholders», warns neo-insurance Leocare. Like your home insurance whose prices are soaringthe cost of your car insurance is soaring this year. The increases in car insurance premiums are in fact between 4% and 6%, significantly more than the inflation anticipated for 2025 (+1.6%). To achieve these results*, Leocare focused on the prices charged in the 100 most populous metropolitan cities in France. Note that depending on the region, there are disparities in the costs of car insurance. Particularly in Île-de-France where the gap is widening with other regions, which was already the case last year.

In the top 3 most expensive cities: Ajaccio, Marseille and Antibes. But it is the Île-de-France region which is the most represented with five cities in the top 10, including Blanc-Mesnil, Argenteuil and Saint-Denis. In all these cities,average monthly premiums exceed 55 euros, particularly due to theft and accident-prone roads», Indicates Christophe Dandois, co-founder and president of Leocare. According to the expert, the increase in prices is also due to the revaluation of the additional premium intended to finance the natural disaster regime (known as “Cat Nat”), which increased from 6% to 9% for car insurance on 1 January 2025.

The top 10 cities where car insurance costs the most in 2025

As with home insurance, not all French people are in the same boat. Many regional disparities persist. In detail, it is Ajaccio which comes out on top with an average monthly price of almost 69 euros. Vénissieux closes the top 10, with a monthly payment of 56 euros, an increase of 11.44% compared to last year’s rates.

The top 10 cities where car insurance is the cheapest in 2025

At the opposite end of the price scale, Montauban is the cheapest municipality studied in the ranking, with an average insurance premium of 47.51 euros, followed by Roche-sur-Yon (47.89 euros). Or respectively 21.8 and 21.4 euros less than in Ajaccio. It should be noted, however, that prices in the cheapest cities in the top 10 are also subject to significant increases, of between 8 and 10% in 2025.

To prevent the bill from rising too quickly, the president of Leocare explains that paying attention to the details of your contract is more important than ever. “To save money, it is therefore possible to look at your contract in detail, adjust the guarantees, compensation ceilings and deductibles according to your real needs”explains Christophe Dandois, president of Leocare. There also remains the game of competition, for avoid paying too muchsometimes you have to compare.

*In its calculation, the insurance takes into account the rates indicated for the profile of a driver with at least 24 months of insurance over the last 36 months, without claims or suspension or cancellation of license, or conviction for alcohol, narcotics, hit-and-run or refusal to comply. The driver owns a Peugeot 208 (1.2 PureTech 110 Allure Eat6 CV, registered in January 2018) for strictly private use. The chosen formula is “All risks” with deductibles (50 euros for broken glass and 330 euros for damage from all accidents, theft and fire) and a ceiling of 1 million euros for driver protection.