Age
Average premium by age on Kelisto (2016). From 50 it rises a little again, according to Acierto.
18 to 25 years1.212 €
26 to 35 years682 €
36 to 50 years564 €
Over 50 years561 €
Insurance calculator
Paying a lot for your insurance?
Tell us what you pay, your cover and a little about you, and we'll tell you what insurance like yours usually costs, whether you're above that and how much you could save.
Cover
Your age
Years with a licence
At-fault claims in the last 5 years
Typical for your profile
340 € – 585 € a year
Average price for a profile like yours: 450 €.
340 €585 €
Type what you pay
And we'll tell you if you're above or below normal.
Why this price
- Third-party, fire and theft for a 12.000 € car450 €
- 40 years× 1
- No claims× 1
- Spain average× 1
How to pay less
Compare a month before it renews
Get quotes from 3 or 4 insurers or comparison sites with the same cover. To leave, give written notice at least a month before renewal.
Ask for your claims history certificate
Your insurer must give it to you free within 15 days. With it, the new insurer recognises your claim-free years.
Pay the year in one go
Splitting it into monthly payments usually carries a surcharge.
Indicative: market averages from comparison sites for your age, years with a licence, claims and area. Each insurer calculates in its own way, and the car, postcode, garage and mileage also count.
With data
What pushes the price up or down
Averages published by comparison sites. They show how much each factor weighs, not your exact price.
Years with a licence
Average premium by experience on Kelisto (January-April 2019).
Under 5 years1.732 €
5 to 10 years992 €
10 to 15 years758 €
15 to 20 years654 €
Over 20 years650 €
Where you live
Average premium taken out in 2025 by region (CHECK24). Spain average: 403 €. It only publishes the cheapest and most expensive.
Extremadura335 €
Aragón352 €
Canary Islands359 €
País Vasco430 €
Asturias432 €
Comunidad de Madrid436 €
In the calculator we use half of that difference (× 0,92 to × 1,04), because part of it is explained by the cover people choose in each area.
CHECK24 car insurance mapCover and claims
Reference price on the site for an experienced driver and a €15,000 car:
- Third-party350 €
- Third-party, fire and theft450 €
- Comprehensive with excess580 €
- Fully comprehensive, no excess830 €
One at-fault claim usually raises it by 20-30%; two, up to 60%. With three or more, many insurers won't even quote you.
Acierto: how much insurance goes up after a claimThe reference price is the same one we use for each car's running costs. How we calculate it
Step by step
Before your policy renews
- 1Check the renewal date on your policy and note it down two months ahead.
- 2If your insurer raises your price, it must give you at least two months' notice.
- 3Ask for your claims history certificate: they must give it to you free within 15 days.
- 4Get quotes from 3 or 4 places with the same cover and the same excess, so you compare like with like.
- 5If you're leaving, give written notice at least a month before renewal.
- 6Before signing, check what's really covered: breakdown cover, windscreens, replacement car and excess.
Ley de Contrato de Seguro (Insurance Contract Act), art. 22 Ley de responsabilidad civil en la circulación (motor vehicle liability law), art. 2.7
Questions
Frequently asked questions
How much does car insurance cost on average?+
According to CHECK24, the average premium of policies taken out in 2025 was 403 € a year, across third-party, third-party fire and theft, and fully comprehensive. What you pay depends mainly on your age, years with a licence, claims, cover and car.
Why do young drivers pay more?+
Because they have more accidents according to insurers' statistics. In Kelisto's data, 18 to 25-year-olds paid about twice what 36 to 50-year-olds did, and those who had held a licence for under 5 years paid about 2.7 times what those with over 20 years did.
How much does insurance go up after a claim?+
It depends on the insurer, but comparison sites talk about 20-30% for one at-fault claim and quite a bit more for two or more. Not-at-fault claims shouldn't raise it. At-fault claims stay on your record for 5 years.
When can I switch car insurance?+
At renewal. To stop it renewing automatically, tell your insurer in writing at least a month beforehand. If they want to change your price, they must tell you two months ahead. Ask first for your claims history certificate so the new insurer recognises your claim-free years.
Is fully comprehensive worth it on an old car?+
Rarely. If the car is worth little, the most they'd pay for damage to your own car is small, and the price difference from third-party, fire and theft is gone in a couple of years. With a new or expensive car, comprehensive with excess is usually the middle ground.
Indicative results using market averages. Data checked on 16/10/2026.