{"id":357,"date":"2026-04-08T10:16:18","date_gmt":"2026-04-08T08:16:18","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=357"},"modified":"2026-04-08T10:16:18","modified_gmt":"2026-04-08T08:16:18","slug":"lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule","title":{"rendered":"L\u2019assurance auto et moto p\u00e8se jusqu\u2019\u00e0 un tiers du budget annuel d\u2019un v\u00e9hicule"},"content":{"rendered":"

Le poids de l\u2019assurance demeure toujours tr\u00e8s \u00e9lev\u00e9 dans le budget mobilit\u00e9 des m\u00e9nages fran\u00e7ais. C\u2019est ce que r\u00e9v\u00e8le l\u2019\u00e9dition 2026 du barom\u00e8tre du co\u00fbt de l’assurance auto-moto du comparateur LeLynx.fr.<\/p>\n

Au total, poss\u00e9der une voiture repr\u00e9sente environ 3 440 euros par an, hors achat. L’assurance en absorbe entre 17% et 22% selon la formule. Pour une moto, la part atteint entre 27% et 33%, faisant de l’assurance le deuxi\u00e8me poste de d\u00e9pense apr\u00e8s le carburant, indique l\u2019\u00e9tude.<\/p>\n

<\/span>Fortes disparit\u00e9s tarifaires<\/span><\/h2>\n

Concr\u00e8tement, la prime moyenne d’assurance auto s\u2019\u00e9tablit \u00e0 663 euros par an, contre 634 euros pour une moto. Mais derri\u00e8re ces moyennes, les \u00e9carts restent importants. Les jeunes conducteurs paient jusqu\u2019\u00e0 deux fois plus que les profils exp\u00e9riment\u00e9s, avec des primes annuelles d\u00e9passant 1 200 euros en automobile.<\/p>\n

Dans le m\u00eame temps, les disparit\u00e9s r\u00e9gionales s’accentuent. En auto, les \u00e9carts atteignent 45% entre r\u00e9gions, avec des primes nettement plus \u00e9lev\u00e9es dans le Sud-Est et en \u00cele-de-France. En moto, l\u2019\u00e9cart grimpe \u00e0 66%. Ces diff\u00e9rences s\u2019expliquent par des niveaux de sinistralit\u00e9, de vols et de densit\u00e9 de circulation variables selon les territoires.<\/p>\n

<\/span>Un tiers des conducteurs optent pour une assurance au tiers<\/span><\/h2>\n

Le basculement vers l\u2019assurance au tiers s\u2019impose comme l\u2019un des faits marquants du barom\u00e8tre 2026. Cette formule, qui couvre uniquement les dommages caus\u00e9s par l\u2019assur\u00e9 \u00e0 une tierce personne (autre conducteur, pi\u00e9ton, cycliste\u2026), s\u00e9duit de plus en plus de conducteurs soucieux de r\u00e9duire leurs d\u00e9penses dans un contexte inflationniste. Sa part progresse de quatre points de pourcentage en un an, atteignant 32% en assurance auto et 31% en moto.<\/p>\n

En moyenne, une assurance auto au tiers co\u00fbte 526 euros par an, contre 784 euros pour une formule tous risques, soit un \u00e9cart de plus de 250 euros, indique LeLynx.fr. En moto, la diff\u00e9rence est encore plus marqu\u00e9e : 394 euros au tiers, contre environ 800 euros pour une couverture maximale.<\/p>\n

Ce choix n\u2019est pas sans risque. En se limitant \u00e0 une couverture minimale, les assur\u00e9s sont moins prot\u00e9g\u00e9s en cas d\u2019accident responsable ou face \u00e0 des sinistres comme le vol, le vandalisme ou un accident sans tiers identifi\u00e9. Le recul des formules tous risques – pass\u00e9es en un an de 49% \u00e0 46% en auto – montre ainsi que de plus en plus de conducteurs acceptent de r\u00e9duire leur niveau de protection pour all\u00e9ger leur budget.<\/p>\n","protected":false},"excerpt":{"rendered":"

Sous l\u2019effet de l\u2019inflation et de la hausse des primes, les automobilistes et les motards arbitrent leurs d\u00e9penses en privil\u00e9giant des couvertures minimales, constate le comparateur d\u2019assurance LeLynx.fr.<\/p>\n","protected":false},"author":13719,"featured_media":360,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-357","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"acf":[],"yoast_head":"\nL\u2019assurance auto et moto p\u00e8se jusqu\u2019\u00e0 un tiers du budget annuel d\u2019un v\u00e9hicule<\/title>\n<meta name=\"description\" content=\"Sous l\u2019effet de l\u2019inflation et de la hausse des primes, les automobilistes et les motards arbitrent leurs d\u00e9penses en privil\u00e9giant des couvertures minimales.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u2019assurance auto et moto p\u00e8se jusqu\u2019\u00e0 un tiers du budget annuel d\u2019un v\u00e9hicule\" \/>\n<meta property=\"og:description\" content=\"Sous l\u2019effet de l\u2019inflation et de la hausse des primes, les automobilistes et les motards arbitrent leurs d\u00e9penses en privil\u00e9giant des couvertures minimales.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule\" \/>\n<meta property=\"og:site_name\" content=\"Actualit\u00e9s\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-08T08:16:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-content\/uploads\/sites\/12\/2026\/04\/assurance_auto_moto-scaled.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"823\" \/>\n\t<meta property=\"og:image:height\" content=\"549\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Loic Farge\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Loic Farge\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule\",\"url\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule\",\"name\":\"L\u2019assurance auto et moto p\u00e8se jusqu\u2019\u00e0 un tiers du budget annuel d\u2019un v\u00e9hicule\",\"isPartOf\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-content\/uploads\/sites\/12\/2026\/04\/assurance_auto_moto-scaled.webp\",\"author\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/#\/schema\/person\/441d2f49b49f36caada20af210ea82db\"},\"description\":\"Sous l\u2019effet de l\u2019inflation et de la hausse des primes, les automobilistes et les motards arbitrent leurs d\u00e9penses en privil\u00e9giant des couvertures minimales.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule#primaryimage\",\"url\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-content\/uploads\/sites\/12\/2026\/04\/assurance_auto_moto-scaled.webp\",\"contentUrl\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-content\/uploads\/sites\/12\/2026\/04\/assurance_auto_moto-scaled.webp\",\"width\":823,\"height\":549,\"caption\":\"Pour payer moins cher, de plus en plus de Fran\u00e7ais s'assurent au tiers plut\u00f4t que tous risques\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"L\u2019assurance auto et moto p\u00e8se jusqu\u2019\u00e0 un tiers du budget annuel d\u2019un v\u00e9hicule\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/#website\",\"url\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/\",\"name\":\"Actualit\u00e9s\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/#\/schema\/person\/441d2f49b49f36caada20af210ea82db\",\"name\":\"Loic Farge\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/d6ba1a4c295f842490f4602774c31c1d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/d6ba1a4c295f842490f4602774c31c1d?s=96&d=mm&r=g\",\"caption\":\"Loic Farge\"},\"description\":\"Lo\u00efc Farge est journaliste sp\u00e9cialis\u00e9 en immobilier. Il travaille chez\u00a0ToutSurMesFinances.com\u00a0depuis pr\u00e8s de 10 ans. Il couvre l\u2019ensemble des th\u00e9matiques li\u00e9es \u00e0 l\u2019immobilier : march\u00e9, financement, r\u00e9glementation, fiscalit\u00e9 et investissement locatif.\",\"sameAs\":[\"https:\/\/www.toutsurmesfinances.com\/author\/loic\",\"https:\/\/www.linkedin.com\/in\/loc-farge-4b742725\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"L\u2019assurance auto et moto p\u00e8se jusqu\u2019\u00e0 un tiers du budget annuel d\u2019un v\u00e9hicule","description":"Sous l\u2019effet de l\u2019inflation et de la hausse des primes, les automobilistes et les motards arbitrent leurs d\u00e9penses en privil\u00e9giant des couvertures minimales.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule","og_locale":"fr_FR","og_type":"article","og_title":"L\u2019assurance auto et moto p\u00e8se jusqu\u2019\u00e0 un tiers du budget annuel d\u2019un v\u00e9hicule","og_description":"Sous l\u2019effet de l\u2019inflation et de la hausse des primes, les automobilistes et les motards arbitrent leurs d\u00e9penses en privil\u00e9giant des couvertures minimales.","og_url":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule","og_site_name":"Actualit\u00e9s","article_published_time":"2026-04-08T08:16:18+00:00","og_image":[{"width":823,"height":549,"url":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-content\/uploads\/sites\/12\/2026\/04\/assurance_auto_moto-scaled.webp","type":"image\/webp"}],"author":"Loic Farge","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Loic Farge","Dur\u00e9e de lecture estim\u00e9e":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule","url":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule","name":"L\u2019assurance auto et moto p\u00e8se jusqu\u2019\u00e0 un tiers du budget annuel d\u2019un v\u00e9hicule","isPartOf":{"@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule#primaryimage"},"image":{"@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule#primaryimage"},"thumbnailUrl":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-content\/uploads\/sites\/12\/2026\/04\/assurance_auto_moto-scaled.webp","author":{"@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/#\/schema\/person\/441d2f49b49f36caada20af210ea82db"},"description":"Sous l\u2019effet de l\u2019inflation et de la hausse des primes, les automobilistes et les motards arbitrent leurs d\u00e9penses en privil\u00e9giant des couvertures minimales.","breadcrumb":{"@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule#primaryimage","url":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-content\/uploads\/sites\/12\/2026\/04\/assurance_auto_moto-scaled.webp","contentUrl":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-content\/uploads\/sites\/12\/2026\/04\/assurance_auto_moto-scaled.webp","width":823,"height":549,"caption":"Pour payer moins cher, de plus en plus de Fran\u00e7ais s'assurent au tiers plut\u00f4t que tous risques"},{"@type":"BreadcrumbList","@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lassurance-auto-et-moto-pese-jusqua-un-tiers-du-budget-annuel-dun-vehicule#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.toutsurmesfinances.com\/actualites\/"},{"@type":"ListItem","position":2,"name":"L\u2019assurance auto et moto p\u00e8se jusqu\u2019\u00e0 un tiers du budget annuel d\u2019un v\u00e9hicule"}]},{"@type":"WebSite","@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/#website","url":"https:\/\/www.toutsurmesfinances.com\/actualites\/","name":"Actualit\u00e9s","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.toutsurmesfinances.com\/actualites\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/#\/schema\/person\/441d2f49b49f36caada20af210ea82db","name":"Loic Farge","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/d6ba1a4c295f842490f4602774c31c1d?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/d6ba1a4c295f842490f4602774c31c1d?s=96&d=mm&r=g","caption":"Loic Farge"},"description":"Lo\u00efc Farge est journaliste sp\u00e9cialis\u00e9 en immobilier. Il travaille chez\u00a0ToutSurMesFinances.com\u00a0depuis pr\u00e8s de 10 ans. Il couvre l\u2019ensemble des th\u00e9matiques li\u00e9es \u00e0 l\u2019immobilier : march\u00e9, financement, r\u00e9glementation, fiscalit\u00e9 et investissement locatif.","sameAs":["https:\/\/www.toutsurmesfinances.com\/author\/loic","https:\/\/www.linkedin.com\/in\/loc-farge-4b742725\/"]}]}},"_links":{"self":[{"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/posts\/357","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/users\/13719"}],"replies":[{"embeddable":true,"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/comments?post=357"}],"version-history":[{"count":2,"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/posts\/357\/revisions"}],"predecessor-version":[{"id":359,"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/posts\/357\/revisions\/359"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/media\/360"}],"wp:attachment":[{"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/media?parent=357"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/categories?post=357"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/tags?post=357"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}