Temporary insurance rates 2025: comparative guide

In 2025, temporary insurance rates range from €15 to €250 depending on the vehicle, duration, and coverage. Compare prices and find the right plan.

Taking out temporary insurance is sometimes essential for driving legally. But before choosing a policy, one question often arises: how much does it cost? In 2025, prices vary according to several criteria: the chosen duration, the type of vehicle, the driver's profile, and the guarantees included. In this article, we offer a clear and practical comparative guide to understand temporary insurance rates and find the plan that best suits your needs.

What is term insurance and why does its price vary?

Temporary insurance covers a vehicle for a short period of time, usually ranging from 1 to 90 days .
Unlike annual insurance, its price is calculated based on several parameters:

• The duration of coverage (one day, one week, one month)
• The type of vehicle (car, utility vehicle, camper van, heavy goods vehicle, etc.)
• The driver profile (age, license length, insurance history)
• The guarantees chosen (civil liability only or additional options)

Average prices in 2025

Temporary passenger car insurance

• Price for one day : between €15 and €25 for a standard vehicle.
• Price for one week : between €45 and €70 depending on the insurer and the guarantees.
• Price for one month : between €90 and €150 for full coverage.

Temporary utility insurance

• Light commercial vehicles (less than 3.5 T) : approximately €20–30/day or €100–160/month.
• Heavy goods vehicles and transporters : from €50/day, up to €250/month depending on load and usage.

Temporary motorhome insurance

• Short stays (weekend or holidays) : from €25 to €40/day.
• A full month : on average €110–180/month, with glass breakage and assistance options included.

Factors that cause price variation

• The driver's age : a young driver will often pay more (surcharge).
• The bonus-malus : a driver with a penalty or whose insurance has been terminated will see their premium increase.
• The geographical area : certain departments are more exposed to disasters.
• The guarantees chosen : simple civil liability costs less than a formula including theft, fire and assistance.

Why choose KT Tempo?

At KT Tempo , we simplify your process:

• Immediate online quote
• Transparent and competitive rates
• Certificate received in a few minutes
• Flexible durations (from 1 day to 90 days)
• Partnership with recognized insurers

You know exactly how much you pay, with no nasty surprises.

Conclusion

The cost of temporary insurance depends on many factors, but it remains an affordable and flexible solution for driving legally. Whether you need coverage for a few days or a full month, KT Tempo offers plans tailored to every situation.

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