Car insurance is expected to become more expensive in 2026. This trend is the result of several signs that emerged throughout 2025 and which, according to Razão Automóvel, a website specializing in the automotive worldl, are beginning to worry those who closely follow the evolution of the sector.
More accidents on Portuguese roads
ANSR data shows that accident rates are increasing. Between January and June 2025, 17,409 accidents with victims were recorded, a higher number than in the same period last year. The same source also adds that the lack of insurance has gained weight and now accounts for 2.2 percent of infractions.
With more accidents and more associated risk, insurers’ costs become higher and this ends up being reflected in the price of policies.
Increasingly expensive repairs
The increase in claims adds to another problem that is already felt in workshops. Parts are more expensive and the lack of technicians specialized in areas such as sheet metal, painting and collision has made the work difficult.
This combination has increased the average value of repairs and made each intervention more complex and costly.
Electric vehicles can feel the impact more strongly
Electric vehicles appear in a particularly delicate position. Repairs require certified teams and involve sensitive components such as large-capacity batteries and high-voltage systems.
These factors make the costs higher compared to combustion models.
Changes planned for next year
With this evolving scenario, new options are beginning to appear on the market to try to keep up with drivers’ needs.
For 2026, specific solutions are planned for users of electric vehicles and products focused on protection against breakdowns, as revealed by .
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