Here are 10 tips to pay your car insurance in Switzerland cheaper:
Is car insurance compulsory in Switzerland?
In Switzerland, only car insurance covering civil liability (RC) is compulsory to own and drive a vehicle. Partial casco insurance, collision casco insurance and full casco insurance are not compulsory.
Comprehensive casco insurance is only compulsory in Switzerland: if you have purchased your car on lease.
Young driver car insurance in Switzerland
Choosing the best car insurance for young drivers isn't always easy. There is no better insurance than another, because the cheapest insurance will not necessarily be the one that will meet your expectations.
In Switzerland, young driver car insurance has a higher rate because of the figures revealed by the various studies. Indeed, the latter show that young drivers have more accidents than adults, this is mainly due to their lack of driving experience. This puts them in a higher risk category. Here is why young drivers pay a much higher insurance premium. To find the best young driver insurance in Switzerland, read our guide on the subject.
Car insurance in the cities of Switzerland: which canton is the cheapest?
The amount of premiums for car insurance in Switzerland can vary from one canton to another.
The cantons located near borders or having denser urban areas represent the cantons where car insurance is the most expensive. The number of claims and accidents is indeed higher in these cantons, which explains the impact on premiums. The higher the risk of loss, the higher the amount of the premiums.
The cantons where car insurance is the cheapest are:
- If your situation allows it, you can choose the cheapest type of car insurance in Switzerland: partial casco insurance.
- You can also accept and/or select certain options offered by your insurer to benefit from premium reductions on your car insurance.
- When buying a car, choose a model that is not too powerful and without all the latest options. You can do a simulation on our comparator with the model of car you want to buy to see how much you will have to pay for car insurance on average.
- If you opt for an electric car, it benefits from significant insurance discounts with many Swiss insurers.
- If you are a young driver, choose your parents' car insurance to pay less.
- Drive carefully so as not to have an accident and to protect your bonus and your premiums.
- Try parking your car in a garage or somewhere private.
- Take advanced driving courses to benefit from premium reductions from your insurer.
- Try to lower the number of kilometers you travel with your vehicle each year, this can positively influence your insurance premium.
- Choose your insurer's partner garages and services to benefit from a reduction in premiums in the event of repairs to your vehicle.
Is car insurance compulsory in Switzerland?
In Switzerland, only car insurance covering civil liability (RC) is compulsory to own and drive a vehicle. Partial casco insurance, collision casco insurance and full casco insurance are not compulsory.
Comprehensive casco insurance is only compulsory in Switzerland: if you have purchased your car on lease.
Young driver car insurance in Switzerland
Choosing the best car insurance for young drivers isn't always easy. There is no better insurance than another, because the cheapest insurance will not necessarily be the one that will meet your expectations.
In Switzerland, young driver car insurance has a higher rate because of the figures revealed by the various studies. Indeed, the latter show that young drivers have more accidents than adults, this is mainly due to their lack of driving experience. This puts them in a higher risk category. Here is why young drivers pay a much higher insurance premium. To find the best young driver insurance in Switzerland, read our guide on the subject.
Car insurance in the cities of Switzerland: which canton is the cheapest?
The amount of premiums for car insurance in Switzerland can vary from one canton to another.
The cantons located near borders or having denser urban areas represent the cantons where car insurance is the most expensive. The number of claims and accidents is indeed higher in these cantons, which explains the impact on premiums. The higher the risk of loss, the higher the amount of the premiums.
The cantons where car insurance is the cheapest are:
- the canton of Obwalden
- the canton of Nidwalden
- the canton of Friborg
- the canton of Bern
- the canton of Appenzell Innerrhoden.