In 2026, the relief allows you to recover 50% of the expense if the garage belongs to your first home, 36% in other cases, up to a maximum of 96,000 euros, spread over ten annual installments. These percentages are valid until 31 December 2026: in 2027, in fact, the percentages drop to 36% for the first home and to 30% in other cases. For those who are considering the investment, therefore, it is more convenient to try to close the case by the end of this year.
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Taking advantage of the garage relief can be advantageous not only for the tax implications, with the possibility of recovering part of the expense thanks to the Irpef deduction, but also for the impact that a garage or a parking space can have on the costs of liability insurance. Not leaving your car or motorbike on the street, especially at night, can in many cases contribute to lowering the price of the policy.
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From what emerged, the private garage is the most used night shelter for cars: it is used by 58.7% of users. In second place we find the private fenced area, used by 21.9%. In third place is street parking: 17.8%. Public parking, however, remains a marginal solution which stops below 2%.
From the analysis of the responses, it emerges that for motorbikes the role of the private garage is even more marked and the percentage of those who do not do without it grows further: in fact, it is used by 82.3% of users. In second place is the private fenced area, which however is behind at 12.3%, and in third place is the road at 4.3%. Finally, even for motorbikes, public parking remains below 2%.
The analysis by Segugio.it also shows how the costs change for those who have a private garage and those who park on the street. For cars, users who have a private garage pay a lower amount: they have an average premium of 487.32 euros, 4.1% less than the average of 508.24 euros. Those who leave their car on the street pay an average premium of 555.42 euros: +9.3% on the average.
The same differences also apply to motorbikes: those who have a private garage pay a premium that is 1.6% lower than the average, while those who leave their motorbikes on the street suffer a price increase of 11.5%.
“However, a paradox emerges”, underlines the Segugio.it Insurance Observatory: in large cities, where the private box would be more useful, its diffusion tends to be lower than in the rest of the region. However, the effect on insurance premium is not uniform.
Any examples? In the province of Milan, the private garage is used by 59.7% of motorists, compared to 70.8% in the rest of Lombardy: but it is precisely in the province of Milan that the greatest economic benefit is recorded, with an average saving of 6.9% compared to 4.4% in the rest of the region.
In the province of Rome, however, the lower diffusion of the box - 51.1% compared to 55.4% in the rest of Lazio - is also accompanied by a smaller advantage on the premium, equal to 1% compared to 5.3%.
In the province of Naples, the diffusion of the box is in line with the rest of Campania (69.0% against 69.3%), but the savings remain lower: 1% against 2.6% in the region.
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