{"type":"document","data":{"id":"ff28bfe9-2c04-402c-bbf7-4c250cca559d","localeString":"en-GB","publishDate":"2026-03-13T17:32:09.610+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"How is your car insurance premium determined and what does it cost per month? ING Auto Insurance will tell you all about it."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Car insurance premiums vary due to multiple factors. We outline several key elements below. Additionally, policies may offer different levels of coverage; broader coverage provides greater protection in the event of damage and generally results in higher costs.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/ebcab733-bd2a-4048-9461-3e8fbc12469d/Two-little-girls-making-funny-faces-on-the-car-window","type":"image","width":4756,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/65737997fd49d5fc/original/Two-little-girls-making-funny-faces-on-the-car-window.jpg","extension":"jpg"},"title":"How much does car insurance cost?"},"backLink":{"textLink":{"url":"/en/personal/insurances","text":"Insurance"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"How is my premium calculated?"},{"componentType":"paragraph","richBody":{"value":"<p>Premiums are influenced not only by the type and age of your vehicle, but also by risk factors associated with drivers. Less experienced drivers statistically tend to file more claims, resulting in higher premiums for younger individuals. Similarly, premiums may increase for drivers over 60 years old due to elevated risk profiles.</p>"}},{"componentType":"sectionTitle","title":"Claim-free years"},{"componentType":"paragraph","richBody":{"value":"<p>Demonstrable claim-free years can significantly reduce your car insurance costs - potentially up to 80%. An online tool enables customers to calculate their premiums directly, taking claim-free years into account.</p><p>Example discount on car insurance premium:</p><p>For instance, if you have accumulated five claim-free years and select ING car insurance, you will receive a 66% discount on your total premium. </p>"},"textLinks":[{"url":"https://assets.ing.com/m/1200154b535301fe/original/Polisvoorwaarden_ING_Autoverzekering_NL.pdf","text":"Car insurance policy terms and conditions (PDF)"}]},{"componentType":"sectionTitle","title":"Calculate the costs for ING Car Insurance"},{"componentType":"paragraph","richBody":{"value":"<p>Find out your ING Car Insurance costs easily. Use the tool to quickly calculate your monthly premium - even if you don&apos;t have a license plate yet. Just enter details like year, fuel type, brand, model, and car type to get your price. Try it now to see your premium.</p>"},"textLinks":[{"url":"https://mijn.ing.nl/banking/mobile/insurances/application/car?flow-step=00-StartCalculating&EW=true","text":"Calculate your premium"}]},{"componentType":"linkList","iconTitle":{"title":"Insurance"},"textLinks":[{"url":"/en/personal/insurances/annual-travel-insurance","text":"Travel insurance"},{"url":"/en/personal/insurances/car-insurance","text":"Car insurance"},{"url":"/en/personal/insurances/home-insurance","text":"Home insurance"},{"url":"/en/personal/insurances/liability-insurance","text":"Liability insurance"},{"url":"/en/personal/insurances/legal-expenses-insurance","text":"Legal expenses insurance"},{"url":"/en/personal/insurances/student-insurance","text":"Student insurance"},{"url":"/en/personal/insurances/czdirect-health-insurance","text":"Health insurance"},{"url":"/en/personal/insurances","text":"All insurance"}]}]}}}