Since 2010, the online comparison portal bonus.ch has annually provided policyholders in Switzerland with the opportunity to voice their opinions about car insurance. In 2026, the survey also covers the following topics: premium increases, criteria determining premiums, and switching insurers. Here are the main findings of this survey.
Car Insurance: 7 out of 10 drivers affected by a premium increase
In the last two years, a large majority of insurers have increased premiums. This rise is mainly due to inflation, affecting the costs of spare parts, labour costs, and repairs. It also reflects an increased frequency of claims, partly due to adverse weather conditions, which increases the burden on insurers.
Thus, 69% of policyholders have noticed an increase in their car insurance premium over the last two years. Specifically, 41% rate this increase as 'slight' and 28% as 'significant'. Conversely, only 31% of respondents stated they had not noticed an increase.
The Italian-speaking part of Switzerland seems to be most affected: 78% of respondents say their premium has increased, with 35% describing the increase as 'significant' and 43% as 'slight'. In the western part of Switzerland, 70% of drivers also notice a rise in their premiums, compared to 65% in the German-speaking part.
The 30-39 age group is the most affected: 77% of them received an increase in the past two years. In contrast, people aged 60-69 reported an increase the least often, although they still constitute a clear majority at 64%.
Increases in car insurance premiums vary significantly from provider to provider: 48% of policyholders with Die Mobiliar had to cope with an increase, compared to 86% with Zurich. These differences suggest different pricing strategies among insurers, against a backdrop of rising costs for the entire industry.
Despite premium increases, 88% of policyholders remained loyal to their provider
It is important to remember that policyholders are entitled to cancel their contract in the event of a general premium increase, even outside of the usual termination periods, as long as the increase is not related to an individual claims case.
However, only 12% of respondents switched providers last year. This low willingness to change reflects a strong inertia among policyholders when faced with premium increases, which vacillates between loyalty to their current insurer and the reluctance to engage in a comparison of offers. In a market characterised by significant price differences between providers, regular review of car insurance can lead to considerable savings of several hundred francs or even more.
Car Insurance: Why so little change?
Service quality seems to be the main factor for policyholder loyalty; it is cited by 41% of respondents. It ranks ahead of the premium level (32%) and the services offered (19%). In contrast, non-compliance with the termination deadline only affects a minority of respondents (8%).
Switching Car Insurance: What are the main reasons?
The premium level is by far the most important driver for a switch: it is mentioned by 53% of respondents in 2026, compared to 40% in 2025. This increase confirms that price pressure plays an increasingly important role in the decisions of policyholders. Other reasons are losing importance, especially competing offers (11% in 2026 compared to 18% in 2025) and purchasing a new vehicle (18% compared to 22%). Service quality remains relatively stable (12% versus 11%), while the services offered decline slightly (6% versus 9%).
Costs, Inflation, Weather Conditions: Factors polarising policyholders
Reasons given by car insurers for car insurance premium increases are not fully understood by policyholders. Only 13% of respondents state they fully understand them, while 45% say they only partially understand them. Simultaneously, 42% indicate they do not really or do not understand them at all, with 29% stating 'not really' and 13% 'not at all'.
The western part of Switzerland displays the highest level of misunderstanding: 45% of respondents say they do not really or do not understand the explanations for this premium increase at all. It ranks ahead of the Italian-speaking part of Switzerland (41%) and the German-speaking part (38%).
Car Insurance Premium: 62% of policyholders consider it suitable for their profile
A majority of policyholders believe that their car insurance premium is generally justified given their driver profile. Overall, 62% of respondents share this opinion, with 23% clearly saying 'yes' and 39% saying 'rather yes'. Conversely, 38% believe their premium is not or not really justified, with 26% saying 'rather no' and 12% 'no'.
The western part and the Italian-speaking part of Switzerland are the regions where policyholders are least satisfied with their current car insurance rates, with 40% of policyholders believing their premium is not or only slightly justified, compared to 32% in the German-speaking part.
The 30-39 age group is the most critical: almost every second (49%) believes their premium is not or only slightly justified in relation to their driver profile. In contrast, the over-80 age group is the most satisfied with their current premium, with 75% considering it justified or rather justified.
Premium Calculation for Car Insurance: 65% of policyholders want criteria based on driving behaviour and claim frequency
In its survey, bonus.ch asked drivers what criteria they believe should most influence the amount of car insurance premium. Claim history ranks first (37%), followed by driving behaviour (28%) and driver profile (21%). In contrast, vehicle type seems to be less important (13%), while the place of residence is barely considered (2%).
Although regional differences are slight, some variations can be observed. Driving behaviour is more emphasised in the western part of Switzerland (30%) and the Italian-speaking part (29%) than in the German-speaking part (24%). Conversely, driver profile is more frequently mentioned in the German-speaking part (25%) than in the other regions (18% in the western part and 19% in the Italian-speaking part). For the other criteria, the results are very close, especially for claims history, which stands around 37-38% in all three regions.
Satisfaction Survey 2026 on Swiss Car Insurances
Every year, the comparison portal bonus.ch reviews car insurances in Switzerland. Over 1,600 users took the time to answer survey questions in the following categories: clarity of information provided, claims processing, reimbursement period, price-performance ratio, and customer service. The responses were converted into scores between 1 and 6, where 6 is the best score. Here are the insights gained from the study.
Overall Satisfaction 2026 - Swiss Average
In 2026, car insurances record overall high customer satisfaction with an overall score of 5.2 out of 6, corresponding to the rating 'good'. The differences between providers are minor, with only 0.4 points, indicating a highly competitive market in which car insurers deliver relatively similar performances.
Die Mobiliar confirms its position as the best-rated car insurer in Switzerland with an overall score of 5.5 out of 6, corresponding to a 'very good' rating. It takes first place in the bonus.ch ranking for the 15th consecutive time.
ELVIA, TCS, and Vaudoise share second place in the ranking with a score of 5.3, while Allianz, AXA, and Smile complete the podium (5.2). All these insurers receive a 'good' rating.
Differences Between Language Regions
Policyholders in the German-speaking part and in the western part of Switzerland are overall more satisfied with average scores of 5.3 and 5.2, respectively, than those in the Italian-speaking part, where the overall score is 5.0.
Satisfaction by Canton: Lucerne far ahead of Ticino
Among the ten most populous cantons in Switzerland, satisfaction is highest in Lucerne. The population of Lucerne gives car insurers an average score of 5.5, corresponding to a 'very good' rating. In contrast, Ticino has the lowest score (5.0).
Regarding age groups, those under 30 have the lowest satisfaction (5.1), while those in their 40s give their insurers the best satisfaction score (5.4).
Overall, women (5.3) are slightly more satisfied with their car insurance than men (5.2).
Detailed analysis, tables, and graphs:
https://www.bonus.ch/Pdf/2026/Autoversicherung.pdf
Direct access to the customer satisfaction scores of car insurers:
https://www.bonus.ch/Autoversicherung/Autoversicherer-Kundenzufriedenheitsumfrage.aspx
Direct access to the car insurance premium comparison:
https://www.bonus.ch/Autoversicherung/Praemien-Autoversicherung-Vergleich.aspx
Media contact:
bonus.ch SA
Patrick Ducret
CEO
Place Chauderon 20b
1003 Lausanne
021.312.55.91
ducret(a)bonus.ch