How much does auto insurance cost per km?

How much does auto insurance cost per km?

The main objective of auto insurance per km is to make you pay lower premiums compared to your old auto insurance. If you are driving a reduced number of kilometers, this type of auto insurance is therefore recommended.

Several criteria are taken into account when calculating the cost of your car insurance per km:

    The characteristics of your vehicle: the make, model, date of entry into service or even your vehicle use habits have a major impact on the cost of your auto insurance.
    Your driver profile: your place of residence, your age, your gender, your job and your length of service as a driver are also criteria analyzed by your insurer to determine the amount of contributions you will have to pay.
    Your auto insurer's criteria: each insurer has its own business strategy, so do not hesitate to analyze them carefully before making your choice.

Of course, the cost of your auto insurance per km depends on the level of protection selected. All-risk kilometer auto insurance is bound to be more expensive than third-party kilometer auto insurance. Once again, it is necessary to take into account your needs before taking out auto insurance per km.

Let us take a concrete example in order to determine the cost of car insurance per km: you are a young student, living in Paris, owning a Citroën, C3 Picasso from 2010 that you want to insure with a car insurance per km all risks because you do not 'only do about 5,000 km each year. After comparing the offers on the market, you will have to pay around 350 euros / year for your future contract, or 0.07 euros per kilometer traveled.
What are the best auto insurance per km?

To help you make your choice, here is a table listing the best auto insurance per km offered by the main auto insurers.

Best auto insurance per km all risks (profile: 45-year-old woman from Lyon with 20 years of driving license):
Insurers 4,000 km ceiling 5,000 km ceiling 7,000 km ceiling 8,000 km ceiling 9,000 km ceiling Quotation
AXA - - - 335 euros - Online
Amaguiz 255 euros 283 euros 339 euros 367 euros 395 euros Online
Maaf - - - 352 euros - Online
Allianz 374 euros - 390 euros - 408 euros Online
GMF - - 400 euros - - Online

Best car insurance per km to third (profile: 35-year-old man from Albi with a 15-year license):
Insurers 4,000 km ceiling 5,000 km ceiling 7,000 km ceiling 8,000 km ceiling 9,000 km ceiling Quotation
Maaf - - - 178 euros - Online
GMF - 193 euros - - - Online
AXA - - - 206 euros - Online
Allianz 222 euros - 238 euros - 247 euros Online
Amaguiz 159 euros 206 euros 236 euros 251 euros 266 euros Online
What are the guarantees of auto insurance per km?

The guarantees of auto insurance per km are identical to those of traditional auto insurance. Only the "per kilometer" option is added to your contract. Note that the available formulas are also identical, so you will have to choose between car insurance per km at third, intermediate and all risks.
What is the main disadvantage of auto insurance per km?

Taking out auto insurance with a mileage package obliges the driver to always take into account the kilometers traveled. Thus, you must always be vigilant in order to avoid paying higher contribution amounts.