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 2020, at €1,640. Romania had the lowest, at €50. The median was €640 and the figure for the European Union (27) was €840. Source: Eurostat, European Commission.

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Highest1,640Luxembourg
Lowest50Romania
Median64027 EU countries
European Union (27)840History

Map of EU countries, 2020

Austria: 900 EURBelgium: 1,420 EURBulgaria: 130 EURCyprus: 820 EURCzechia: 360 EURGermany: 1,140 EURDenmark: 1,610 EUREstonia: 430 EURSpain: 760 EURFinland: 980 EURFrance: 1,130 EURGreece: 410 EURCroatia: 270 EURHungary: 360 EURIreland: 810 EURItaly: 740 EURLithuania: 260 EURLuxembourg: 1,640 EURLatvia: 250 EURMalta: 620 EURNetherlands: 1,460 EURPoland: 420 EURPortugal: 580 EURRomania: 50 EURSweden: 990 EURSlovenia: 640 EURSlovakia: 380 EUR
  • Under 360
  • 360 to 490
  • 490 to 790
  • 790 to 1,100
  • 1,100 and over
EUR, 2020. Source: Eurostat, Household final consumption expenditure, CP12, CP_EUR_HAB (nama_10_cp18). Boundaries: Natural Earth (public domain).

All EU countries, 2020

Luxembourg: 1,640 EURLuxembourg1,640Denmark: 1,610 EURDenmark1,610Netherlands: 1,460 EURNetherlands1,460Belgium: 1,420 EURBelgium1,420Germany: 1,140 EURGermany1,140France: 1,130 EURFrance1,130Sweden: 990 EURSweden990Finland: 980 EURFinland980Austria: 900 EURAustria900Cyprus: 820 EURCyprus820Ireland: 810 EURIreland810Spain: 760 EURSpain760Italy: 740 EURItaly740Slovenia: 640 EURSlovenia640Malta: 620 EURMalta620Portugal: 580 EURPortugal580Estonia: 430 EUREstonia430Poland: 420 EURPoland420Greece: 410 EURGreece410Slovakia: 380 EURSlovakia380Czechia: 360 EURCzechia360Hungary: 360 EURHungary360Croatia: 270 EURCroatia270Lithuania: 260 EURLithuania260Latvia: 250 EURLatvia250Bulgaria: 130 EURBulgaria130Romania: 50 EURRomania50Luxembourg: 1,640 EURLuxembourg1,640Denmark: 1,610 EURDenmark1,610Netherlands: 1,460 EURNetherlands1,460Belgium: 1,420 EURBelgium1,420Germany: 1,140 EURGermany1,140France: 1,130 EURFrance1,130Sweden: 990 EURSweden990Finland: 980 EURFinland980Austria: 900 EURAustria900Cyprus: 820 EURCyprus820Ireland: 810 EURIreland810Spain: 760 EURSpain760Italy: 740 EURItaly740Slovenia: 640 EURSlovenia640Malta: 620 EURMalta620Portugal: 580 EURPortugal580Estonia: 430 EUREstonia430Poland: 420 EURPoland420Greece: 410 EURGreece410Slovakia: 380 EURSlovakia380Czechia: 360 EURCzechia360Hungary: 360 EURHungary360Croatia: 270 EURCroatia270Lithuania: 260 EURLithuania260Latvia: 250 EURLatvia250Bulgaria: 130 EURBulgaria130Romania: 50 EURRomania50
EUR. Source: Eurostat, Household final consumption expenditure, CP12, CP_EUR_HAB (nama_10_cp18). Retrieved 2026-10-12.

Full ranking

RankEU countries2020
EUR		Change on 2019
1Luxembourg1,640-17.2%
2Denmark1,610-2.4%
3Netherlands1,460+2.1%
4Belgium1,420-0.7%
5Germany Provisional1,140-1.7%
6France1,130+1.8%
7Sweden990+8.8%
8Finland980+1%
9Austria900-7.2%
10Cyprus820+3.8%
11Ireland810+11%
12Spain760+4.1%
13Italy740+2.8%
14Slovenia640+3.2%
15Malta620-15.1%
16Portugal580+5.5%
17Estonia430+2.4%
18Poland Series break420-4.5%
19Greece Provisional410-4.7%
20Slovakia380+15.2%
21Czechia3600%
21Hungary360+5.9%
23Croatia270-6.9%
24Lithuania260+8.3%
25Latvia2500%
26Bulgaria1300%
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), 2020) [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), 2020. 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=2020. 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), 2020. 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=2020.

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), 2020 [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=2020 (Accessed: 12 October 2026).

BibTeX
@misc{eurostat_eu_countries_by_household_2020,
  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), 2020}},
  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=2020. 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), 2020
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=2020
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/household-consumption-per-capita-eur-insurance-financial/eu-countries?period=2020.
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 €1,640 in 2020, 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 2020.

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