Auto Insurance in Spain: New Production Premiums Via Brokers Increase by 10% in April 2025

Drivers in Spain who purchased new car insurance through brokers during April 2025 saw their premiums increase by an average of 10% year-over-year, according to recent industry data. This increase puts the average new insurance premium at €469, reflecting the inflationary and cost pressures affecting the auto sector.

The analysis, based on data from the Avant2 Sales Manager platform, reveals that the price increase was not uniform across all categories, although the general trend was upward.

Comprehensive with High Deductible: This type of insurance registered the highest average premium, reaching €845 in April 2025. This represents a 5% increase compared to the same month last year.

Comprehensive Insurance with Low Deductible: This was the category that experienced the greatest percentage increase, exceeding 12% year-on-year.

Extended Third Party: This remains the most popular option among drivers who purchase insurance through brokers, representing 63% of new policies issued via Avant2 (23,737 policies in April). The average premium was €417.

The price increase was not limited to cars alone:

Motorcycles: Motorcycle insurance saw an even sharper increase, with new product premiums up 16% year-over-year in April.

Health: New health insurance policies also saw an increase, up 6% compared to April 2024.

Death insurance: This branch showed notable stability. The average premium for new production reached 225 euros, representing a slight increase of just 1% year-over-year.

These increases in insurance premiums likely reflect a combination of factors affecting the sector, such as:

• Inflation: Widespread price increases affect vehicle repair costs (parts, labor) and medical costs.
• Accident rate: Possible changes in the frequency or severity of accidents.
• Operating Costs: Increases in insurers' overhead costs.

For consumers, this increase in prices means greater spending to protect their vehicles and their health. This could prompt policyholders to actively seek out better deals, compare prices across different insurers and channels (brokers, direct sales, online, bancassurance), or even consider adjusting their coverage levels (for example, opting for higher deductibles for comprehensive insurance) to mitigate the impact on their budgets. The stability in the Death Insurance segment suggests that not all lines of business are affected equally.

"In April 2025, newly produced car insurance policies saw a 10% year-over-year increase in average premiums, reaching a value of €469." – SegurosNews Editorial Team

It will be important to observe whether this trend of rising premiums continues in the coming months and how it impacts consumer behavior and competitiveness in the Spanish insurance market.

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