Overview

• Industry forecasts point to home insurance rising about 4–6% and auto about 4–5% in 2026, with executives noting the hikes should be lower than 2025’s roughly 8% average.
• Experts cite costlier claims from floods, hail and drought, higher parts and labor expenses in garages, and a reported 4% rise in serious road injuries that drive long‑term payouts.
• Premiums continue to outpace consumer inflation, with recent data showing annual inflation near 0.9% as insurers warn of another market‑wide increase.
• Regional disparities persist, with reported average annual auto premiums around €905 in Provence‑Alpes‑Côte d’Azur compared with €557 in Brittany after recent severe weather.
• Health mutuals are expected to see smaller increases of about 3%, and consumers are turning to tactics such as third‑party cover or pay‑per‑kilometre policies to trim costs.