Data / Rankings / Household spending on insurance and financial services per inhabitant (EUR) / EU countries

EU countries by household spending on insurance and financial services per inhabitant (EUR)

Luxembourg had the highest household spending on insurance and financial services per inhabitant (EUR) of 26 EU countries in 2016, at €1,700. Romania had the lowest, at €40. The median was €525 and the figure for the European Union (27) was €760. Source: Eurostat, European Commission.

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Highest1,700Luxembourg
Lowest40Romania
Median52526 EU countries
European Union (27)760History

Map of EU countries, 2016

Austria: 940 EURBelgium: 1,270 EURBulgaria: 120 EURCyprus: 710 EURCzechia: 280 EURGermany: 1,130 EURDenmark: 1,550 EUREstonia: 270 EURSpain: 610 EURFinland: 930 EURFrance: 1,040 EURGreece: 480 EURCroatia: 250 EURHungary: 270 EURIreland: 550 EURItaly: 670 EURLuxembourg: 1,700 EURLatvia: 220 EURMalta: 360 EURNetherlands: 1,230 EURPoland: 360 EURPortugal: 490 EURRomania: 40 EURSweden: 950 EURSlovenia: 500 EURSlovakia: 300 EUR
  • Under 270
  • 270 to 480
  • 480 to 670
  • 670 to 1,000
  • 1,000 and over
  • No data
EUR, 2016. Hatched areas have no value for this period. Source: Eurostat, Household final consumption expenditure, CP12, CP_EUR_HAB (nama_10_cp18). Boundaries: Natural Earth (public domain).

All EU countries, 2016

Luxembourg: 1,700 EURLuxembourg1,700Denmark: 1,550 EURDenmark1,550Belgium: 1,270 EURBelgium1,270Netherlands: 1,230 EURNetherlands1,230Germany: 1,130 EURGermany1,130France: 1,040 EURFrance1,040Sweden: 950 EURSweden950Austria: 940 EURAustria940Finland: 930 EURFinland930Cyprus: 710 EURCyprus710Italy: 670 EURItaly670Spain: 610 EURSpain610Ireland: 550 EURIreland550Slovenia: 500 EURSlovenia500Portugal: 490 EURPortugal490Greece: 480 EURGreece480Malta: 360 EURMalta360Poland: 360 EURPoland360Slovakia: 300 EURSlovakia300Czechia: 280 EURCzechia280Estonia: 270 EUREstonia270Hungary: 270 EURHungary270Croatia: 250 EURCroatia250Latvia: 220 EURLatvia220Bulgaria: 120 EURBulgaria120Romania: 40 EURRomania40Luxembourg: 1,700 EURLuxembourg1,700Denmark: 1,550 EURDenmark1,550Belgium: 1,270 EURBelgium1,270Netherlands: 1,230 EURNetherlands1,230Germany: 1,130 EURGermany1,130France: 1,040 EURFrance1,040Sweden: 950 EURSweden950Austria: 940 EURAustria940Finland: 930 EURFinland930Cyprus: 710 EURCyprus710Italy: 670 EURItaly670Spain: 610 EURSpain610Ireland: 550 EURIreland550Slovenia: 500 EURSlovenia500Portugal: 490 EURPortugal490Greece: 480 EURGreece480Malta: 360 EURMalta360Poland: 360 EURPoland360Slovakia: 300 EURSlovakia300Czechia: 280 EURCzechia280Estonia: 270 EUREstonia270Hungary: 270 EURHungary270Croatia: 250 EURCroatia250Latvia: 220 EURLatvia220Bulgaria: 120 EURBulgaria120Romania: 40 EURRomania40
EUR. Source: Eurostat, Household final consumption expenditure, CP12, CP_EUR_HAB (nama_10_cp18). Retrieved 2026-10-12.

Full ranking

RankEU countries2016
EUR		Change on 2015
1Luxembourg1,700-0.6%
2Denmark1,5500%
3Belgium1,270-0.8%
4Netherlands1,230+6%
5Germany1,130-2.6%
6France1,0400%
7Sweden950-4%
8Austria9400%
9Finland930+2.2%
10Cyprus710+1.4%
11Italy670+3.1%
12Spain610+13%
13Ireland550-8.3%
14Slovenia500-5.7%
15Portugal490+6.5%
16Greece Provisional480+4.3%
17Malta360-10%
17Poland360-2.7%
19Slovakia3000%
20Czechia2800%
21Estonia270+3.8%
21Hungary270+3.8%
23Croatia2500%
24Latvia220+15.8%
25Bulgaria120+33.3%
26Romania40-20%

Other periods

About this ranking

Annual household final consumption expenditure on insurance and financial services, including indirectly measured financial intermediation services (FISIM), COICOP 2018 division 12.

More on how it is measured
  • Measures service consumption, not gross insurance premiums, investment flows or loan principal.
  • Published in euros at current prices per inhabitant; domestic consumption divided by population, not a measure of residents spending alone.

Eurostat national accounts, domestic concept: includes non-residents spending in the territory and excludes residents spending abroad. Includes non-cash items such as imputed rent. Current prices in euros, including for non-euro countries: changes reflect prices and may reflect exchange rates. Not inflation-adjusted or purchasing-power-adjusted.

Every value in the ranking comes from the same publisher and the same period, so the EU countries are compared on one definition. 1 EU countries with data in other periods have no value for 2016 and are left out rather than filled from another source. Equal values share a rank.

How to cite

Eurostat. Household final consumption expenditure, CP12, CP_EUR_HAB (nama_10_cp18). https://ec.europa.eu/eurostat/databrowser/view/nama_10_cp18/default/table. Retrieved 2026-10-12.

Citation styles

The publisher is the author. Invokely is named only as the place the figures were read, where a style asks for it.

APA 7

Eurostat, European Commission. (2026). Household final consumption expenditure, CP12, CP_EUR_HAB (nama_10_cp18) (EU countries by household spending on insurance and financial services per inhabitant (EUR), 2016) [Data set]. Retrieved October 12, 2026, from https://ec.europa.eu/eurostat/databrowser/view/nama_10_cp18/default/table

MLA 9

Household final consumption expenditure, CP12, CP_EUR_HAB (nama_10_cp18), EU countries by household spending on insurance and financial services per inhabitant (EUR), 2016. Eurostat, European Commission, 9 Oct. 2026, https://ec.europa.eu/eurostat/databrowser/view/nama_10_cp18/default/table. Invokely, https://invokely.ai/rankings/household-consumption-per-capita-eur-insurance-financial/eu-countries?period=2016. Accessed 12 Oct. 2026.

Chicago (author-date)

Eurostat, European Commission. 2026. Household final consumption expenditure, CP12, CP_EUR_HAB (nama_10_cp18). EU countries by household spending on insurance and financial services per inhabitant (EUR), 2016. Dataset. Accessed October 12, 2026. https://ec.europa.eu/eurostat/databrowser/view/nama_10_cp18/default/table. Also distributed by Invokely, https://invokely.ai/rankings/household-consumption-per-capita-eur-insurance-financial/eu-countries?period=2016.

Harvard

Eurostat, European Commission (2026) Household final consumption expenditure, CP12, CP_EUR_HAB (nama_10_cp18), EU countries by household spending on insurance and financial services per inhabitant (EUR), 2016 [Dataset]. Available at: https://ec.europa.eu/eurostat/databrowser/view/nama_10_cp18/default/table, via Invokely: https://invokely.ai/rankings/household-consumption-per-capita-eur-insurance-financial/eu-countries?period=2016 (Accessed: 12 October 2026).

BibTeX
@misc{eurostat_eu_countries_by_household_2016,
  author = {{Eurostat, European Commission}},
  title = {{Household final consumption expenditure, CP12, CP\_EUR\_HAB (nama\_10\_cp18): EU countries by household spending on insurance and financial services per inhabitant (EUR), 2016}},
  year = {2026},
  howpublished = {Data set},
  url = {https://ec.europa.eu/eurostat/databrowser/view/nama_10_cp18/default/table},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/household-consumption-per-capita-eur-insurance-financial/eu-countries?period=2016. Publisher attribution: Eurostat. Household final consumption expenditure, CP12, CP\_EUR\_HAB (nama\_10\_cp18). https://ec.europa.eu/eurostat/databrowser/view/nama\_10\_cp18/default/table. Retrieved 2026-10-12.},
}
RIS
TY  - DATA
AU  - Eurostat, European Commission
TI  - Household final consumption expenditure, CP12, CP_EUR_HAB (nama_10_cp18): EU countries by household spending on insurance and financial services per inhabitant (EUR), 2016
PY  - 2026
DA  - 2026/10/09
PB  - Eurostat, European Commission
DB  - Invokely
UR  - https://ec.europa.eu/eurostat/databrowser/view/nama_10_cp18/default/table
L2  - https://invokely.ai/rankings/household-consumption-per-capita-eur-insurance-financial/eu-countries?period=2016
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/household-consumption-per-capita-eur-insurance-financial/eu-countries?period=2016.
N1  - Publisher attribution: Eurostat. Household final consumption expenditure, CP12, CP_EUR_HAB (nama_10_cp18). https://ec.europa.eu/eurostat/databrowser/view/nama_10_cp18/default/table. Retrieved 2026-10-12.
ER  -
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Questions

Which EU country has the highest household spending on insurance and financial services per inhabitant (EUR)?

Luxembourg, with €1,700 in 2016, according to Eurostat, European Commission.

Which EU country has the lowest household spending on insurance and financial services per inhabitant (EUR)?

Romania, with €40 in 2016.

Where does this ranking come from?

Every value comes from one source and one period, so the places are comparable: Eurostat, European Commission, Household final consumption expenditure, CP12, CP_EUR_HAB (nama_10_cp18). Retrieved 2026-10-12. 1 EU countries have no value for 2016 and are not ranked.

EU countries: more rankings