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 27 EU countries in 2018, at €2,090. Romania had the lowest, at €50. The median was €570 and the figure for the European Union (27) was €830. Source: Eurostat, European Commission.

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Highest2,090Luxembourg
Lowest50Romania
Median57027 EU countries
European Union (27)830History

Map of EU countries, 2018

Austria: 950 EURBelgium: 1,460 EURBulgaria: 140 EURCyprus: 750 EURCzechia: 330 EURGermany: 1,160 EURDenmark: 1,610 EUREstonia: 380 EURSpain: 710 EURFinland: 990 EURFrance: 1,140 EURGreece: 430 EURCroatia: 270 EURHungary: 300 EURIreland: 740 EURItaly: 710 EURLithuania: 230 EURLuxembourg: 2,090 EURLatvia: 250 EURMalta: 500 EURNetherlands: 1,460 EURPoland: 440 EURPortugal: 540 EURRomania: 50 EURSweden: 900 EURSlovenia: 570 EURSlovakia: 340 EUR
  • Under 310
  • 310 to 460
  • 460 to 730
  • 730 to 1,100
  • 1,100 and over
EUR, 2018. Source: Eurostat, Household final consumption expenditure, CP12, CP_EUR_HAB (nama_10_cp18). Boundaries: Natural Earth (public domain).

All EU countries, 2018

Luxembourg: 2,090 EURLuxembourg2,090Denmark: 1,610 EURDenmark1,610Belgium: 1,460 EURBelgium1,460Netherlands: 1,460 EURNetherlands1,460Germany: 1,160 EURGermany1,160France: 1,140 EURFrance1,140Finland: 990 EURFinland990Austria: 950 EURAustria950Sweden: 900 EURSweden900Cyprus: 750 EURCyprus750Ireland: 740 EURIreland740Italy: 710 EURItaly710Spain: 710 EURSpain710Slovenia: 570 EURSlovenia570Portugal: 540 EURPortugal540Malta: 500 EURMalta500Poland: 440 EURPoland440Greece: 430 EURGreece430Estonia: 380 EUREstonia380Slovakia: 340 EURSlovakia340Czechia: 330 EURCzechia330Hungary: 300 EURHungary300Croatia: 270 EURCroatia270Latvia: 250 EURLatvia250Lithuania: 230 EURLithuania230Bulgaria: 140 EURBulgaria140Romania: 50 EURRomania50Luxembourg: 2,090 EURLuxembourg2,090Denmark: 1,610 EURDenmark1,610Belgium: 1,460 EURBelgium1,460Netherlands: 1,460 EURNetherlands1,460Germany: 1,160 EURGermany1,160France: 1,140 EURFrance1,140Finland: 990 EURFinland990Austria: 950 EURAustria950Sweden: 900 EURSweden900Cyprus: 750 EURCyprus750Ireland: 740 EURIreland740Italy: 710 EURItaly710Spain: 710 EURSpain710Slovenia: 570 EURSlovenia570Portugal: 540 EURPortugal540Malta: 500 EURMalta500Poland: 440 EURPoland440Greece: 430 EURGreece430Estonia: 380 EUREstonia380Slovakia: 340 EURSlovakia340Czechia: 330 EURCzechia330Hungary: 300 EURHungary300Croatia: 270 EURCroatia270Latvia: 250 EURLatvia250Lithuania: 230 EURLithuania230Bulgaria: 140 EURBulgaria140Romania: 50 EURRomania50
EUR. Source: Eurostat, Household final consumption expenditure, CP12, CP_EUR_HAB (nama_10_cp18). Retrieved 2026-10-12.

Full ranking

RankEU countries2018
EUR		Change on 2017
1Luxembourg2,090+7.2%
2Denmark1,610-1.8%
3Belgium1,460+5%
3Netherlands1,460+7.4%
5Germany1,160+2.7%
6France1,140+5.6%
7Finland990+6.5%
8Austria950+3.3%
9Sweden900-3.2%
10Cyprus750+10.3%
11Ireland740+4.2%
12Italy710+4.4%
12Spain710+10.9%
14Slovenia570+9.6%
15Portugal540+8%
16Malta500+47.1%
17Poland440+12.8%
18Greece Provisional430-6.5%
19Estonia380+18.8%
20Slovakia340+6.3%
21Czechia330+10%
22Hungary300+3.4%
23Croatia270+3.8%
24Latvia2500%
25Lithuania230n/a
26Bulgaria1400%
27Romania50+25%

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. 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), 2018) [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), 2018. 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=2018. 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), 2018. 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=2018.

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), 2018 [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=2018 (Accessed: 12 October 2026).

BibTeX
@misc{eurostat_eu_countries_by_household_2018,
  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), 2018}},
  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=2018. 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), 2018
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=2018
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/household-consumption-per-capita-eur-insurance-financial/eu-countries?period=2018.
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 €2,090 in 2018, according to Eurostat, European Commission.

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

Romania, with €50 in 2018.

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.

EU countries: more rankings