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| Country | 2022 penetration rate | 2021 penetration rate | 2021-2022 evolution | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Life | Non-life | Total | Life | Non-life | Total | Life | Non-life | Total | |
| Denmark | 8.2% | 2.7% | 10.9% | 8.5% | 2.9% | 11.4% | -3.5% | -6.9% | -4.4% |
| United Kingdom | 8.1% | 2.4% | 10.5% | 8.9% | 2.2% | 11.1% | -9.0% | 9.1% | -5.4% |
| Finland | 8.1% | 1.9% | 10.0% | 8.4% | 1.9% | 10.3% | -3.6% | 0.0% | -2.9% |
| Sweden | 7.5% | 1.8% | 9.3% | 5.8% | 1.9% | 7.6% | 29.3% | -5.3% | 22.4% |
| France | 5.4% | 3.3% | 8.7% | 6.1% | 3.4% | 9.5% | -11.5% | -2.9% | -8.4% |
| Netherlands | 1.2% | 7.3% | 8.5% | 1.4% | 7.7% | 9.1% | -14.3% | -5.2% | -6.6% |
| Italy | 5.8% | 2.2% | 8.0% | 6.9% | 2.2% | 9.1% | -15.9% | 0.0% | -12.1% |
| Switzerland | 3.0% | 3.9% | 6.9% | 3.1% | 4.0% | 7.1% | -3.2% | -2.5% | -2.8% |
| Germany | 2.4% | 3.5% | 5.9% | 2.6% | 3.9% | 6.5% | -7.7% | -10.3% | -9.2% |
| Belgium | 2.9% | 2.6% | 5.5% | 3.1% | 2.7% | 5.8% | -6.5% | -3.7% | -5.2% |
| Irlande | 3.5% | 1.7% | 5.2% | 4.2% | 1.9% | 6.1% | -16.7% | -10.5% | -14.8% |
| Spain | 2.9% | 2.0% | 4.9% | 2.0% | 3.2% | 5.1% | 45.0% | -37.5% | -3.9% |
| Slovenia | 1.3% | 3.4% | 4.7% | 1.4% | 3.6% | 5.0% | -7.1% | -5.6% | -6.0% |
| Portugal | 2.4% | 2.4% | 4.6% | 3.5% | 2.3% | 5.8% | -31.4% | 4.3% | -20.7% |
| Austria | 1.2% | 3.1% | 4.3% | 1.3% | 3.3% | 4.6% | -7.7% | -6.1% | -6.5% |
| Norway | 2.6% | 1.4% | 4.0% | 3.2% | 1.7% | 4.9% | -18.8% | -17.6% | -18.4% |
| Malta | 2.5% | 1.4% | 3.9% | 2.5% | 1.5% | 4.0% | 0.0% | -6.7% | -2.5% |
| Luxemburg | 1.9% | 1.9% | 3.8% | 2.4% | 1.7% | 4.1% | -20.8% | 11.8% | -7.3% |
| Cyprus | 1.8% | 2.0% | 3.8% | - | - | - | - | - | - |
| Czechia | 0.8% | 2.1% | 2.9% | 0.8% | 2.1% | 2.9% | 0.0% | 0.0% | 0.0% |
| Croatia | 0.6% | 2.0% | 2.6% | 0.7% | 2.0% | 2.7% | -14.3% | 0.0% | -3.7% |
| Greece | 1.2% | 1.2% | 2.4% | 1.3% | 1.2% | 2.5% | -7.7% | 0.0% | -4.0% |
| Poland | 0.5% | 1.8% | 2.2% | 0.6% | 1.9% | 2.5% | -16.7% | -5.3% | -12.0% |
| Bulgaria | 0.3% | 1.9% | 2.2% | 0.4% | 2.0% | 2.4% | -25.0% | -5.0% | -8.3% |
| Hungary | 0.9% | 1.2% | 2.1% | 1.1% | 1.3% | 2.4% | -18.2% | -7.7% | -12.5% |
| Serbia | 0.4% | 1.5% | 1.9% | 0.4% | 1.5% | 1.9% | 0.0% | 0.0% | 0.0% |
| Slovakia | 0.6% | 1.1% | 1.7% | 0.7% | 1.4% | 2.1% | -14.3% | -21.4% | -19.0% |
| Roumanie | 0.2% | 1.0% | 1.2% | 0.2% | 0.9% | 1.1% | 0.0% | 11.1% | 9.1% |
| Russia | 0.3% | 0.6% | 0.9% | 0.4% | 0.9% | 1.3% | -25.0% | -33.3% | -30.8% |
| Ukraine | 0.1% | 0.7% | 0.8% | 0.1% | 0.8% | 1.0% | 0.0% | -12.5% | -20.0% |
| Kazakhstan | 0.3% | 0.5% | 0.8% | 0.4% | 0.5% | 0.9% | -25.0% | 0.0% | -11.1% |
| Liechtenstein | - | - | - | - | - | - | - | - | - |
| European average (1) | 3.4% | 3.0% | 6.4% | 3.8% | 3.2% | 7.0% | -10.5% | -6.3% | -8.6% |
Read also | Insurance density in Europe
