Costs of car insurance in Switzerland
The costs of car insurance in Switzerland can vary widely. We show you which factors influence premiums.
07.10.2026
iStock/Jinda Noipho
1. How much does car insurance cost in Switzerland?
The cost of car insurance in Switzerland depends on the type of insurance and other factors. There are various types of car insurance cover in Switzerland: the third-party liability insurance, partial casco and full casco insurance.
Third-party liability insurance for cars: example of a price
The liability insurance covers any damage or injury you cause to other road users. It is a legal requirement. This means that, without third-party liability insurance, you are not allowed to drive your car on public roads.
The table shows the annual costs for liability insurance. The comparison includes different vehicle types (small, mid-sized, luxury) in the seventh year of operation. The calculation basis for the following examples can be found here.
| Vehicle | Lowest premium (CHF) | Highest premium (CHF) |
|---|---|---|
| Small car | 242.50 | 534.60 |
| Mid-size car | 250.70 | 599.70 |
| Luxury car | 248.60 | 866.60 |
Source: Comparis car insurance calculator / As at 06/10/2026
How much does car insurance cost for you?
How much car insurance costs depends on various factors. These include, for example, the cover and your personal characteristics. Therefore, examples may differ greatly from your personal costs.
It is therefore best to compare different insurance policies and offers. This way, you will not only find the cheapest car insurance, but also the one with the right cover for you.
Example of partial casco costs
The Partial casco insurance also covers certain types of damage to your car that you did not cause yourself. It is not compulsory. The table shows the annual costs for partial casco insurance, including liability insurance, without deductible.
| Vehicle | Lowest premium (CHF) | Highest premium (CHF) |
|---|---|---|
| Small car | 420.70 | 800.80 |
| Mid-range car | 458.10 | 899.10 |
| Luxury car | 688.10 | 1’469.10 |
Source: Comparis car insurance calculator / As at 06/10/2026
Example: How much does full casco insurance cost?
The full casco insurance is a comprehensive insurance. It covers various types of damage to your own car – even when you cause the damage yourself. It is also optional. The table shows the annual costs for full casco insurance including liability insurance. There is no partial casco deductible; the full casco deductible is 1’000 francs.
| Vehicle | Lowest premium (CHF) | Highest premium (CHF) |
|---|---|---|
| Small car | 611.50 | 1’335.80 |
| Mid-range car | 696.90 | 1’605 |
| Luxury car | 1’244.30 | 2’785 |
Source: Comparis car insurance calculator / As at 06/10/2026
Car owner
male
Year of birth 1970
Nationality CH
Place of residence Zurich
Driving test June 1988
Vehicle
Small car: Toyota Yaris 1.5 Comfort CVT (5-door, 112 hp, automatic, CHF 22’100)
Mid-range car: Škoda Octavia Combi 2.0 TSI RS DSG (5-door, 245 hp, automatic, CHF 40’150)
Luxury car: Mercedes-Benz E 53 Coupé AMG (2-door, 435 hp, automatic, CHF 104’900)
Details on vehicle use
The policyholder is also the main driver
no claims or other traffic-related incidents in the last 5 years
Private vehicle
First registration and purchase October 2020
Canton where the vehicle is registered: Zurich
Garage available at home
12’000 km/year
no bonus protection
2. What factors affect the cost of car insurance?
The cost of car insurance in Switzerland depends not only on the provider, but also on personal and vehicle-specific criteria. Below, you will see the most important factors that affect how much your car insurance premium costs (list not exhaustive).
Personal characteristics of the driver
Your age, gender, nationality as well as other personal characteristics are taken into account when calculating the premium. In doing so, insurers rely on statistics on accident frequencies and claims risks in certain age or user groups.
Also the place of residence influences the cost of car insurance. In urban areas with heavy traffic and a higher risk of theft, insurance premiums are usually higher than in rural areas.
Insured car
Expensive and high-performance cars usually incur higher repair costs and are considered to be at higher risk of theft – which generally leads to higher premiums. In addition, the newer the car, the more expensive the insurance.
Driving habits
Do you only use your car occasionally and for short distances? Then you will benefit from lower premiums. Fewer kilometres per year mean less risk – and therefore lower costs for car insurance.
Insurance cover
The more comprehensive the cover, the higher the costs for car insurance. As a rule of thumb, full casco insurance is worthwhile for new cars up to six years old, and partial casco insurance for cars up to eight years old.
Additional services such as cover for damage while parked, Gross negligence cover or bonus protection also increase insurance premiums.
Deductible
Here, the following applies: The higher the deductible, the lower the costs for car insurance. However, in the event of a claim, you will then have to bear a larger portion of the costs yourself.
How to find the right car insurance
Did you know that you can usually terminate your car insurance once a year? Use this opportunity to review your insurance needs and to save: Do you really need full casco insurance, or can you do without certain additional services?
3. How much does car insurance cost for a new driver?
New drivers usually pay significantly more for their car insurance. This is because new drivers are more likely to have an accident.
4. How much does car insurance cost in Switzerland: conclusion
The costs of car insurance in Switzerland can vary widely. They depend on the type of insurance. Liability insurance is the cheapest option. You pay more for partial and full casco insurance, but you also have more comprehensive cover.
Other factors, such as personal characteristics of the driver, the insured vehicle and the scope of insurance also affect the premiums.
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This article was first published on 28.04.2025
