Car Insurance Calculator 2026 — Online Car Insurance Quote Estimate

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How the Car Insurance Calculator works

Our calculator gives you an indicative estimate of your motor third-party (RC Auto) premium, based on the main factors insurers use to price a policy.

What drives the premium

• Engine power (kW): more powerful cars carry higher premiums, because the risk of serious accidents is greater.
• Bonus-malus class (CU): Italy's universal no-claims system runs from class 1 (best, biggest discount) to class 18 (worst); new drivers start at class 14. This calculator covers classes 1 to 14. Every claim-free year moves you down one class.
• Age and years holding a licence: new drivers and the under-25s pay significantly more.
• Region of residence: areas with more accidents (Campania and Apulia, for example) have higher rates according to IVASS data.
• Fuel type: electric and hybrid cars get discounts, thanks to lower risk and incentives for sustainable mobility.
• Kilometres driven per year: the less you drive, the statistically lower your chance of being involved in a claim.

Types of cover

• Basic third-party cover: the cover required by law, which pays for damage you cause to others (people and property).
• Third-party + theft and fire: adds protection against total or partial theft and fire damage to your own vehicle.
• Fully comprehensive: the widest cover, which also pays for damage to your own vehicle in an at-fault accident, plus vandalism and weather events.

How to save on car insurance

1. Always compare several quotes: the gap between insurers can be more than 50%.
2. Fit a black box: many insurers offer 10-20% off with a telematics device.
3. Raise the excess: a higher excess brings the annual premium down.
4. Drive carefully: keep your bonus-malus class low by avoiding claims.
5. Consider paying annually: paying in instalments often adds a 5-8% surcharge.

The universal bonus-malus class (CU)

Since 2006 Italy has used the Universal Merit Class, running from 1 (best) to 18 (worst). New drivers start at class 14. Every claim-free year moves you down one class, while an at-fault claim moves you up two. The CU class is the single factor with the biggest effect on what your policy costs.