2026 premiums, canton by canton
Between Zug and Geneva, the lowest premium varies by CHF 269.20. For rigorously identical benefits — the law sets them.
Reference profile: adult, CHF 300 deductible, accident cover included. For each canton we take the lowest premium across all insurers and models, the highest, and the average of every offer. The pseudo-cantons ZE and ZR — the Büsingen and Campione enclaves — are excluded: no Swiss municipality belongs to them.
| Rank | Canton | Cheapest | Average | Most expensive | Insurers | Yearly saving |
|---|---|---|---|---|---|---|
| 1 | Zug | CHF 335.10 | CHF 392.20 | CHF 536.10 | 27 | CHF 685 |
| 2 | Appenzell Innerrhoden | CHF 353.50 | CHF 418.05 | CHF 543.00 | 23 | CHF 775 |
| 3 | Uri | CHF 376.60 | CHF 459.79 | CHF 681.30 | 26 | CHF 998 |
| 4 | Obwalden | CHF 382.80 | CHF 462.97 | CHF 573.90 | 26 | CHF 962 |
| 5 | Nidwalden | CHF 385.40 | CHF 456.45 | CHF 581.10 | 26 | CHF 853 |
| 6 | Schwyz | CHF 400.20 | CHF 485.41 | CHF 585.40 | 28 | CHF 1'023 |
| 7 | St. Gallen | CHF 401.60 | CHF 502.43 | CHF 665.90 | 25 | CHF 1'210 |
| 8 | Grisons | CHF 404.70 | CHF 496.38 | CHF 660.10 | 24 | CHF 1'100 |
| 9 | Valais | CHF 406.30 | CHF 508.79 | CHF 643.20 | 28 | CHF 1'230 |
| 10 | Appenzell Ausserrhoden | CHF 412.30 | CHF 502.48 | CHF 652.20 | 23 | CHF 1'082 |
| 11 | Lucerne | CHF 414.30 | CHF 493.34 | CHF 640.60 | 25 | CHF 948 |
| 12 | Zurich | CHF 427.80 | CHF 542.52 | CHF 724.00 | 27 | CHF 1'377 |
| 13 | Thurgau | CHF 429.70 | CHF 502.37 | CHF 600.90 | 23 | CHF 872 |
| 14 | Glarus | CHF 433.20 | CHF 496.68 | CHF 579.70 | 26 | CHF 762 |
| 15 | Schaffhausen | CHF 433.80 | CHF 527.85 | CHF 650.10 | 23 | CHF 1'129 |
| 16 | Bern | CHF 447.50 | CHF 565.40 | CHF 758.90 | 26 | CHF 1'415 |
| 17 | Fribourg | CHF 450.00 | CHF 533.49 | CHF 672.70 | 23 | CHF 1'002 |
| 18 | Aargau | CHF 453.80 | CHF 525.14 | CHF 621.90 | 27 | CHF 856 |
| 19 | Solothurn | CHF 486.20 | CHF 551.51 | CHF 642.80 | 25 | CHF 784 |
| 20 | Basel-Landschaft | CHF 494.80 | CHF 603.97 | CHF 768.80 | 23 | CHF 1'310 |
| 21 | Vaud | CHF 537.30 | CHF 618.51 | CHF 763.90 | 21 | CHF 974 |
| 22 | Ticino | CHF 539.00 | CHF 659.15 | CHF 826.50 | 21 | CHF 1'442 |
| 23 | Jura | CHF 543.10 | CHF 622.29 | CHF 762.50 | 21 | CHF 950 |
| 24 | Neuchâtel | CHF 554.20 | CHF 644.53 | CHF 794.00 | 21 | CHF 1'084 |
| 25 | Basel-Stadt | CHF 575.90 | CHF 647.20 | CHF 809.70 | 23 | CHF 856 |
| 26 | Geneva | CHF 604.30 | CHF 678.60 | CHF 913.80 | 21 | CHF 892 |
Yearly saving — moving from the average to the cheapest.
The ranking follows the lowest available premium, not the average: that is what an insured person gets if they actually choose the best offer in their canton. A canton can therefore rank well while having a high average — that simply means comparing pays off there.