Only two types of personal insurance in Ireland have an official average price. Car insurance averaged €655 per policy in 2025 (Central Bank of Ireland). Health insurance averaged €1,950 per adult a year at the end of June 2026 (Health Insurance Authority). For other cover, the only public figures are the example prices that firms publish for one customer profile.
This page collects those figures in one place, with the source and date of each. We check every figure again at least every six months.
Official averages
| Insurance | Average | Period | Source |
|---|---|---|---|
| Car | €655 per policy a year | 2025 | Central Bank of Ireland, NCID Private Motor Report 8 |
| Health (adult) | €1,950 a year | End of June 2026 | Health Insurance Authority, Q2 2026 market bulletin |
The Central Bank says the average car premium rose by 4% in 2025. The Health Insurance Authority lists adult health plans from €448 to €4,013 a year at 1 June 2026.
There is no official average price for home, travel, pet, dental, life or gadget insurance in Ireland.
Published example prices
These are "from" prices that each firm publishes for one example customer. They are not quotes and not a ranking. Rows are in alphabetical order by product.
| Insurance | Published price | Example customer | Published by |
|---|---|---|---|
| Dental (adult) | From €18.31 a month | Healthy Smiles Level 1, age 18 to 39 | DeCare |
| Dental (adult) | From €28.51 a month | Vhi Dental Plan, age 18 to 39, with a 10% Vhi Healthcare discount | Vhi |
| Dental (child) | From €11.80 a month | Healthy Smiles Level 1, age 0 to 17 | DeCare |
| Gadget (phone) | From €3.99 a month | Phone worth up to €200, under 12 months old, bought online | Gadgetinsurance.com |
| Home | €72.33 deposit, then 9 payments of €20.39 | 3-bed semi-detached house in Dublin built in 2026, €500,000 buildings and €50,000 contents cover, price at 14 September 2026 | Gallagher (broker) |
| Life | From €9 a month | €100,000 cover over 20 years, age 25, non-smoker, with a 10% online discount | Laya Life |
| Life (mortgage protection) | From €7.58 a month | €179,900 over 20 years, age 30, non-smoker, with a 10% customer discount | Vhi |
| Pet (cat) | From €6.21 a month | Essential cover, 6-month-old moggie, published 10 February 2026 | AA Ireland |
| Pet (dog) | From €8.33 a month | Essential cover, 2-year-old Irish Terrier, published 10 February 2026 | AA Ireland |
| Travel (annual, Europe) | From €14.99 a year | One adult under 50 with private health insurance | AA Ireland |
| Travel (annual, Europe) | From €19.95 a year | One adult under 66 with private health insurance | Multitrip.com |
An older customer, a different area or fuller cover usually costs more than the example. Each product page explains what changes the price: car, home, health, life, travel, pet, dental and gadget insurance.
Using these figures
You may quote the figures on this page. Please name the original source shown next to each figure, and link to this page if it helped you.
Our guides explain the figures in more detail, for example how much car insurance costs in Ireland and how much pet insurance costs.
Sources
- Central Bank of Ireland: NCID Private Motor Report 8 (published 20 October 2026, accessed 9 November 2026)
- Health Insurance Authority: Q2 2026 market bulletin (accessed 9 November 2026)
- Health Insurance Authority: Q1 2026 bulletin (adult plan prices, accessed 9 November 2026)
- Example prices: each firm's own website (decare.ie, vhi.ie, gadgetinsurance.com, ajg.ie, layalifeinsurance.ie, theaa.ie, multitrip.com), checked 9 November 2026
General information, not financial advice. Prices and rules change: check the details with the insurer before you buy.