Car insurance calculator: how much will you pay?

In Luxembourg, third-party car insurance costs from about €160 a year with the best bonus to over €1,400 with the maximum malus, and casco cover comes on top. This calculator starts from the prices observed in 2026 at level 11, the level of every new contract, applies the coefficient of your level and places you on that scale. It gives an order of magnitude, not a price: only a quote takes your vehicle, your profile and the chosen cover into account.

How to read the result

• Estimated yearly premium: the range for your cover and your level, taxes included, for a common profile with no option.
• Third-party coefficient: the percentage of the reference premium that your level imposes under the Grand-Ducal regulation. It only applies to third-party liability.
• What may play a part: each ticked box flags something that moves the premium up or down. No public source prices it: the calculator flags it, it does not make it up.

Where the figures come from

The starting prices are those of our car insurance comparison, observed in August 2026 for a driver at level 11: €30 to €50 a month for third-party liability, €50 to €80 with partial casco, €90 to €150 and more for full casco. The coefficients are those of the bonus-malus scale set by the Grand-Ducal regulation of 11 November 2003: 45% at level −3, 100% at level 11, 250% at level 22, taken level by level without interpolation.

The bonus-malus scale only concerns third-party liability. Casco cover, partial or full, has its own grid at each insurer, priced on the vehicle’s value: the calculator therefore keeps that part at the entry price, whatever your level. At level 11, it returns exactly the published ranges.

What really changes your premium

• Your level: between the maximum bonus and entry into the scale, the third-party part more than doubles; our bonus-malus simulator projects your level over six years.
• The cover: third-party is the legal minimum; partial casco adds theft, fire, glass breakage and natural forces; full casco also covers your own damage, even at fault.
• The vehicle: casco follows its value; a new vehicle can be covered at new-for-old value for three years at AXA and LALUX.
• Your profile: the law provides no unfavourable level for young drivers, but each insurer sets its base premium freely; our article on young driver car insurance covers the first contract and accompanied driving.
• Options: bonus protection, protected driver, pay-per-kilometre cover under 7,000 km a year at AXA, advantages for electric vehicles.

To compare these guarantees insurer by insurer, Foyer, LALUX, AXA and Baloise, see our car insurance comparison; the guarantees themselves are explained on our car insurance page.

What the calculator does not know

It knows neither each insurer’s base premium, nor your vehicle, its power or its value, nor the chosen deductible, nor bonus protection options. Nor does it know whether an insurer will recognise your foreign record if you move to Luxembourg: the law places you at level 11, but some insurers take documented claim-free years into account. The ranges date from August 2026; they will be reviewed at the next survey.