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Ivass carries out periodic surveys on the average motor civil liability premium in Italy, monitoring the quarterly and annual variations as well as the territorial gap between the provinces.
If on the one hand the price of the car liability insurance falls compared to the beginning of 2026, on the other hand it records higher values compared to a year ago. This is what emerges from the latest Ivass survey, which refers to the period between April and June. A period of time in which the average premium was 422 euros: precisely, 0.4% less than the first quarter but at the same time 1.6% more than 2025. Although in the latter case, in real terms, therefore taking inflation into account, a drop of 1.3% would be observed.
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At a territorial level, half of the Italian provinces record premiums above 396 euros. In the most expensive provinces they exceed 422 euros. The annual variations in the average premium in the individual provinces are between -2.0% and +4.5%, with the most significant increases in Enna (+4.5%), Pescara (+3.8%) and Rome (+3.5%). After several quarters of increases, prices decreased in some provinces, including Cagliari (-2%), Imperia (-1%) and Benevento (-0.8%).
Ivass also records the persistence of a significant territorial gap, despite the presence of a convergence process: in Naples people pay on average 255 euros more than in Aosta, with the differential between the two provinces decreasing by 3.5% on an annual basis and by 46.8% compared to the second quarter of 2014.
In the quarter, IVASS continues, the penetration rate of the black box is reduced, with a percentage in the second quarter of 2026 equal to 16% of cars compared to 17.2% of the previous year. The percentage of policies with a black box is particularly significant in some southern provinces such as Caserta (53.9% of vehicles) and Naples (43.1%).
On an annual basis, the greatest reductions are recorded in Crotone (-5.1 percentage points) and Caserta (-2.8 percentage points). 91% of the contracts signed in the quarter provide for the application of a discount. The average discount practiced by companies, reports Ivass, is equal to 212 euros and accounts for 38.8% of the tariff premium.

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