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Car Insurance Goes Up 14.4%?🚖

When I heard that the reference net rate of car insurance was raised by an average of 14.4%,

You may feel like your insurance premium will go up by the same amount.

However, this 14.4% is not a uniform rate of increase in premiums actually paid by policyholders.

📌 What is 14.4%?

The target is assumed to be a contract with insurance beginning after January 2027,

Reference net rate of car insurance.

The reference net rate is a figure that serves as a reference for the portion used for insurance payment.

14.4% of this time, for set contracts other than Okinawa Prefecture,

It is an average of various contract conditions such as application, car type, compensation content.

Therefore, 14.4% is not applied uniformly to individual contracts.

🔎 How is the actual insurance?

The insurance company has a reference net rate,

・ Use as it is

・ Adjust and use

Set your own rate without using it

You can make such judgments.

In addition, the premiums you actually pay include some of the expenses that are set for each insurance company.

Final premiums, revisions, and sales timing will vary depending on the insurance company and contract conditions.

🛠️ why was the hike needed?

The reason is not simply "because accidents have increased."

According to official data, while the accident rate is gradually decreasing,

It is explained that the insurance payment per case of objective and vehicle insurance is rising.

What is mentioned as a background is,

Increase in parts prices

Increase in wages.

Rise in painting costs

・ Extended repair period

・ Increase in car charges

There are repair-related costs.

📅 this procedure?

The Non-Life Insurance Premium Rate Calculation Corporation reported a change in the reference net rate on June 23, 2026,

On June 30th, we received notification that we conform to the legal standards.

However, this

All insurance companies raise their prices at the same time.

"Insurance premiums for all policyholders will increase by 14.4%."

It does not mean that it has been decided.

✅ What you want to check when you receive the update information

① Save the current contract contents

② Compare estimates under the same compensation conditions as now

③ Confirm the compensation, special contract, deductible amount, age condition and discount separately

Please confirm the details of individual contracts with the insurance company's guide or estimate.

With just the headline of 14.4%, there is no need to rush to reduce compensation.

First of all, it is important to make a decision after confirming what has changed in your update content.

🔖 Please save it so that you can look back when you receive the update information.

Source

Non-Life Insurance Rate Calculation Organization

"Notification of Auto Insurance Reference Net Rate Report" June 23, 2026

Notice of Auto Insurance Reference Net Rate Revision (Receipt of Notification of Conformity Assessment Results) June 30, 2026

The car insurance Review of Insurance The maintenance cost of the car Household Management

Creator Growth Lab

7/14 Edited to

私自身も自動車保険の更新時期にこの14.4％の参考純率引き上げについて詳しく調べました。まず、大切なのは「参考純率」と「実際の保険料」の違いを正しく理解することです。この14.4％はあくまで修理費用などを踏まえた平均値であって、自分の保険料が同じ割合で上がるとは限りません。実際に支払う金額は、保険会社が経費や利益、独自の料率調整を加味して決定しています。私の場合、過去の契約データと更新見積もりを比較し、補償内容や免責額、割引の違いを細かくチェックしました。特に修理関連費用の上昇（部品価格・工賃・塗装費・代車料など）が保険料引き上げの主因と聞き、車の使用状況や補償内容を再検討しました。例えば、対物・車両保険の補償範囲を見直すことで、無理なく保険料の最適化ができるケースもあります。また、事故率自体は緩やかに減少しているとのことで、単純に事故が増えたから値上げというわけではないのも安心材料です。修理期間の長期化も保険料に影響しているので、もし代車が必要な方はその費用も含めて補償内容をチェックするのがおすすめです。更新案内が届いたら、焦って補償を減らす前に、必ず過去の契約内容を保存し、同条件で複数社の見積もりを比較してみてください。保険会社による料率の違いも意外と大きく、うまく見直せば家計の負担を抑えられます。私の経験から言うと、定期的な保険の見直しは安心と節約両方のために非常に有効です。今回の参考純率の引き上げは一つの目安として、落ち着いて自分の契約内容を見直す絶好の機会と捉えると良いでしょう。