Insurances: Swiss cities compared
A Comparis analysis shows that drivers in Lugano pay around 24 percent more for comprehensive insurance than in the city of Bern. The insurance premiums were compared in the ten largest cities.
There are considerable price differences. For example, the average comprehensive insurance premium in Lugano is 24 percent higher than in Bern. In the Comparis example, drivers in Lugano paid an average of 960 francs for comprehensive insurance in Bern only 771 francs.
High premiums in Geneva and Lausanne
A comparison of the French-speaking regions shows that drivers in Geneva and Lausanne pay around ten percent more than city dwellers. In Geneva, the average premium in the Comparis example is 846 francs, in Lausanne 851 francs. Andrea Auer, Comparis mobility expert: "Insurers calculate the premium based, among other things, on the probability of occurrence of covered Damage. Accordingly, the Lugano population is likely to cause more and, in the aggregate, more expensive insured losses than the Bernese."
However, the premium level also depends on the attractiveness of a market for the insurance companies. Ticino is a rather small sales region. The insurance products also have to be marketed in Italian. That costs.
Differences even within cities
The biggest differences in premiums within a city are in Winterthur. Residents of Töss pay around six percent higher premiums than drivers in the Ricketwil district. The city with the second highest differences is Zurich with four percent (845 francs in 8045 Zurich versus 878 francs in 8004 Zurich). The smallest differences are in Biel. There, the average prices vary within one percent.
