How Much Does Temporary Insurance Really Cost? 2025 Rate Analysis
Temporary car insurance remains the most flexible solution for covering a vehicle for 1 to 90 days without committing to an annual contract. In 2025, rates will average between €30 and €60/day for a Civil Liability only policy. Discounts for longer durations, additional premiums for young drivers and high-end vehicles, and options (assistance, glass breakage, theft) significantly impact your daily premium. This guide details the price scales, the main factors that influence your premium, and helps you optimize your budget.
1. Indicative rates by duration
| Duration | RC only (€ / day) | RC + assistance (€ / day) | RC + full options (€ / day) |
|---|---|---|---|
| 1 day | 30 – 60 | 40 – 70 | 50 – 90 |
| 7 days | 25 – 45 | 35 – 55 | 45 – 75 |
| 30 days | 12 – 25 | 20 – 35 | 30 – 50 |
| 60 days | 8 – 15 | 15 – 25 | 25 – 40 |
| 90 days | 5 – 10 | 12 – 20 | 20 – 35 |
- Prices drop significantly beyond 30 days , reaching €5–10/day for 90-day liability alone.
- 0 km assistance and glass breakage typically add +10–15 €/day , depending on the package.
2. Factors influencing the price
- Driver profile : young driver (< 25 years old) or license < 2 years results in a surcharge of 20–30% .
- Vehicle type : luxury cars or > 200 hp increase the premium by 30–50% .
- Use : family loan, import, commercial trial sometimes require specific options (export coverage, professional races).
- Geographic area : high-accident regions +10%; rural areas – 5%.
3. How to optimize your cost
- Calculate the duration precisely : avoid covering unnecessary days.
- Compare several offers : choose short-term car rental specialists over general comparison sites.
- Negotiate options : only purchase assistance or glass breakage if necessary.
- Bundle the guarantees : packaged RC + assistance formulas often offer a better €/day ratio.
Conclusion
In 2025, temporary insurance starts at around €30/day for liability alone and becomes very economical over longer periods (up to €4–7/day for 60–90 days). Your premium will depend primarily on the duration, profile, and options chosen. To control your budget, adjust the coverage period, compare plans, and limit guarantees to essential needs.