How much does car insurance cost in Sweden?
Estimate what car insurance may cost in Sweden per month and year — trafik, halv or hel — from the car's value and age, your mileage, age and claims.
Estimated Halv insurance
5 000–6 900 kr/yr
Middle of the range: 5 600 kr/yr · 460 kr/mo
Rough estimate — some information is unknown (claims or vagnskadegaranti), so the real premium may fall further from it.
Suggested level: Hel. The car is worth more than 150 000 kr — damage to it would be costly to pay yourself. This is a rule of thumb, not a requirement — pick the level that suits you.
How we calculate
Assumptions
This is a rough estimate for information only, not an insurance quote or advice. Premiums vary between insurers — ask a few for a quote before you decide.
Last updated
- This is an estimate from a simple model with assumed coefficients — not a quote and not any insurer's price. Actual premiums vary between insurers, often a lot.
- Only the car's value and age, annual mileage, the driver's age and claims are considered. Make and model, where you live, deductible (självrisk) and parking are not — and all of them can change the price.
- The range is 10 % below to 25 % above the estimate. Unknown claims history is assumed to be none, and the estimate is marked as less certain when claims or vagnskadegaranti are unknown.
- The suggested level is a rule of thumb based on the car's value or its vagnskadegaranti, not a legal requirement — only trafikförsäkring is mandatory for a car in traffic.
- Yearly amounts are rounded to the nearest 100 kr and monthly amounts to the nearest 10 kr.
How it works
How we estimate the premium
The calculator estimates what car insurance may cost per month and year at the three usual Swedish levels. It’s a simple model built on published Swedish premiums – not a price from any insurer.
Three levels
- Trafikförsäkring: mandatory. Covers damage you cause to other people, vehicles and property.
- Halvförsäkring: trafikförsäkring plus cover for your own car, which usually includes theft, fire, glass, roadside rescue and legal protection.
- Helförsäkring: halvförsäkring plus collision cover (vagnskadeförsäkring) for damage to your own car, for example if you crash.
How the premium is worked out
Each level has a base price, adjusted for five things: the car’s value, the car’s age, how far you drive a year, the driver’s age and the number of claims in the last three years. The car’s value matters less for trafikförsäkring, which doesn’t cover your own car.
The result is a range, since prices differ a lot between insurers. Car model, where you live, deductible and parking aren’t in the model but do affect the real price.
Not sure which level you need? The guide Buying your first car in Sweden explains when each one is enough.
Questions
Frequently asked questions
Which car insurance do I need?
Trafikförsäkring (third-party liability) is mandatory for a car used in traffic. It covers damage to other people and their property. Halvförsäkring and helförsäkring are optional and protect your own car.
What is a vagnskadegaranti?
A manufacturer's guarantee that covers damage to a new car, for example in a collision, for its first few years. While it lasts, halvförsäkring is often enough, since the collision damage is already covered.
Why do young drivers pay more?
Young and new drivers have more claims, so insurers charge a higher premium. In the model, drivers aged 18 to 20 are the most expensive.
Why does my quote differ from the estimate?
The calculator is a simple model, not a quote. Insurers also look at the car model, where you live, the deductible and parking, and their prices often differ a lot. Always compare several insurers.
Which level should I choose?
A common rule of thumb is helförsäkring for a more expensive car, halv or hel for a mid-priced one, and trafik or halv for a cheap car. With a vagnskadegaranti, halvförsäkring may be enough. It's not a rule, just a common starting point.