The total cost of compensation for Italian motor liability (RCA) claims in 2025 reached approximately 10,7 miliardi di euro, according to the latest report, L’Assicurazione italiana 2025-2026, published by ANIA. While bodily injury claims represent only 13,8% of total accident frequency, they account for 58,4% of the total economic burden, totaling 6,2 miliardi di euro. Material damage to vehicles makes up the remaining 4,4 miliardi di euro.
Economic Impact of Bodily Injury Claims
The financial weight of personal injury claims remains the primary driver of RCA costs in Italy. Data from ANIA indicates that even though the number of accidents involving injuries has declined significantly since 2016, the average cost per claim is rising. In 2025, the average cost for a bodily injury claim reached 23.260 euro, marking a 4,1% increase over the previous year.
This upward trend in costs is largely attributed to inflationary pressures. Over the 2022‑2025 period, the average cost of injury claims rose by approximately 18%, closely tracking the 18,3% revaluation of compensation for personal damages.
Severity and Compensation Trends
The distribution of these costs reveals a stark contrast between minor and major injuries:
- Minor Injuries (1–9 points of permanent disability): These cases account for roughly 1,9 miliardi di euro in compensation. While the frequency of these claims has seen a slight decline, the average cost has climbed to 7.525 euro, the highest level recorded in the last decade.
- Serious Injuries and Fatalities (Over 9 points of permanent disability): These incidents represent a smaller fraction of total claims but command a disproportionate share of the budget, costing approximately 4,3 miliardi di euro. The average cost for this category remains high, at roughly 260.000 euro per claim.
Material Damage and Repair Costs
The cost of material damage—covering spare parts and labor—has followed a trajectory similar to bodily injury claims. According to ANIA, the average cost for property damage reached 2.640 euro in 2025, a 3,5% increase compared to 2024. This growth is directly linked to the rising costs of vehicle maintenance, with the price of spare parts and accessories for private vehicles increasing by approximately 16,4% over the three-year period.
Regional Disparities in Incident Frequency
The frequency of accidents involving physical injuries shows a distinct geographical divide across Italy. Based on provincial data, the national average incidence of claims with bodily injury stands at 12,8%. However, provinces in the Mezzogiorno (Southern Italy) consistently report significantly higher figures.
- High-Incidence Areas: Provinces such as Barletta‑Andria‑Trani (24,6%), Taranto (23,8%), and Lecce (22,9%) report the highest rates of injury-related claims. Similarly, Crotone (18,4%) and Salerno (18,6%) show values well above the national average.
- Low-Incidence Areas: Conversely, Northern Italian provinces and Sardinia report lower frequencies. Biella (7,7%), Bolzano (7,8%), and Trento (7,8%) remain among the regions with the lowest incidence of injury claims, keeping them well below the national threshold.
This structural gap between the North and South continues to influence both the technical management of insurance portfolios and national road safety strategies. As inflationary pressures persist, the insurance sector faces ongoing challenges in balancing rising repair and compensation costs with the varying risk profiles across Italian regions.
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