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 2021, at €1,900. Romania had the lowest, at €50. The median was €690 and the figure for the European Union (27) was €880. Source: Eurostat, European Commission.

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Highest1,900Luxembourg
Lowest50Romania
Median69027 EU countries
European Union (27)880History

Map of EU countries, 2021

Austria: 930 EURBelgium: 1,560 EURBulgaria: 140 EURCyprus: 790 EURCzechia: 410 EURGermany: 1,230 EURDenmark: 1,780 EUREstonia: 410 EURSpain: 730 EURFinland: 1,130 EURFrance: 1,150 EURGreece: 440 EURCroatia: 300 EURHungary: 400 EURIreland: 950 EURItaly: 720 EURLithuania: 340 EURLuxembourg: 1,900 EURLatvia: 290 EURMalta: 690 EURNetherlands: 1,770 EURPoland: 430 EURPortugal: 590 EURRomania: 50 EURSweden: 1,100 EURSlovenia: 680 EURSlovakia: 360 EUR
  • Under 370
  • 370 to 500
  • 500 to 770
  • 770 to 1,100
  • 1,100 and over
EUR, 2021. Source: Eurostat, Household final consumption expenditure, CP12, CP_EUR_HAB (nama_10_cp18). Boundaries: Natural Earth (public domain).

All EU countries, 2021

Luxembourg: 1,900 EURLuxembourg1,900Denmark: 1,780 EURDenmark1,780Netherlands: 1,770 EURNetherlands1,770Belgium: 1,560 EURBelgium1,560Germany: 1,230 EURGermany1,230France: 1,150 EURFrance1,150Finland: 1,130 EURFinland1,130Sweden: 1,100 EURSweden1,100Ireland: 950 EURIreland950Austria: 930 EURAustria930Cyprus: 790 EURCyprus790Spain: 730 EURSpain730Italy: 720 EURItaly720Malta: 690 EURMalta690Slovenia: 680 EURSlovenia680Portugal: 590 EURPortugal590Greece: 440 EURGreece440Poland: 430 EURPoland430Czechia: 410 EURCzechia410Estonia: 410 EUREstonia410Hungary: 400 EURHungary400Slovakia: 360 EURSlovakia360Lithuania: 340 EURLithuania340Croatia: 300 EURCroatia300Latvia: 290 EURLatvia290Bulgaria: 140 EURBulgaria140Romania: 50 EURRomania50Luxembourg: 1,900 EURLuxembourg1,900Denmark: 1,780 EURDenmark1,780Netherlands: 1,770 EURNetherlands1,770Belgium: 1,560 EURBelgium1,560Germany: 1,230 EURGermany1,230France: 1,150 EURFrance1,150Finland: 1,130 EURFinland1,130Sweden: 1,100 EURSweden1,100Ireland: 950 EURIreland950Austria: 930 EURAustria930Cyprus: 790 EURCyprus790Spain: 730 EURSpain730Italy: 720 EURItaly720Malta: 690 EURMalta690Slovenia: 680 EURSlovenia680Portugal: 590 EURPortugal590Greece: 440 EURGreece440Poland: 430 EURPoland430Czechia: 410 EURCzechia410Estonia: 410 EUREstonia410Hungary: 400 EURHungary400Slovakia: 360 EURSlovakia360Lithuania: 340 EURLithuania340Croatia: 300 EURCroatia300Latvia: 290 EURLatvia290Bulgaria: 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 countries2021
EUR		Change on 2020
1Luxembourg1,900+15.9%
2Denmark1,780+10.6%
3Netherlands1,770+21.2%
4Belgium1,560+9.9%
5Germany Provisional1,230+7.9%
6France1,150+1.8%
7Finland1,130+15.3%
8Sweden1,100+11.1%
9Ireland950+17.3%
10Austria930+3.3%
11Cyprus790-3.7%
12Spain730-3.9%
13Italy720-2.7%
14Malta690+11.3%
15Slovenia680+6.3%
16Portugal590+1.7%
17Greece Provisional440+7.3%
18Poland430+2.4%
19Czechia410+13.9%
19Estonia410-4.7%
21Hungary400+11.1%
22Slovakia Series break360-5.3%
23Lithuania340+30.8%
24Croatia300+11.1%
25Latvia290+16%
26Bulgaria140+7.7%
27Romania500%

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), 2021) [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), 2021. 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=2021. 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), 2021. 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=2021.

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), 2021 [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=2021 (Accessed: 12 October 2026).

BibTeX
@misc{eurostat_eu_countries_by_household_2021,
  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), 2021}},
  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=2021. 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), 2021
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=2021
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/household-consumption-per-capita-eur-insurance-financial/eu-countries?period=2021.
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 €1,900 in 2021, 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 2021.

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