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 ZRenclaves — 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.
The national trend
The zone’s lowest premium, year by year since 2015. The same profile every time: adult, CHF 300 deductible, accident included — otherwise the comparison would mean nothing.
That is +64.7 % over 11 years, or CHF 2'192 more per year.
| Year | Lowest premium | Change |
|---|---|---|
| 2015 | CHF 282.22 | — |
| 2016 | CHF 302.43 | +7.2 % |
| 2017 | CHF 328.94 | +8.8 % |
| 2018 | CHF 344.91 | +4.9 % |
| 2019 | CHF 364.62 | +5.7 % |
| 2020 | CHF 369.40 | +1.3 % |
| 2021 | CHF 368.89 | −0.1 % |
| 2022 | CHF 372.80 | +1.1 % |
| 2023 | CHF 389.69 | +4.5 % |
| 2024 | CHF 420.86 | +8.0 % |
| 2025 | CHF 441.80 | +5.0 % |
| 2026 | CHF 464.90 | +5.2 % |
Source: FOPH archives, one file per year. The amounts are those actually in force, not a retrospective estimate.
Across all Swiss premium regions, the lowest premium rose by +64.7 % between 2015 and 2026. The with no Swiss municipality, would distort the series.
Where the premium rose most
The previous ranking says who pays most today. This one says where the bill is climbing fastest — a different order, and the one that changes from year to year.
| Rank | Canton | Rise | Over the year |
|---|---|---|---|
| 1 | Ticino | +93.7 % | CHF 3'130 |
| 2 | Aargau | +81.2 % | CHF 2'441 |
| 3 | Zurich | +78.3 % | CHF 2'254 |
| 4 | Grisons | +77.7 % | CHF 2'123 |
| 5 | Lucerne | +74.7 % | CHF 2'126 |
| 6 | Appenzell Ausserrhoden | +74.7 % | CHF 2'116 |
| 7 | Neuchâtel | +72.8 % | CHF 2'801 |
| 8 | Geneva | +68.8 % | CHF 2'957 |
| 9 | Solothurn | +68.8 % | CHF 2'377 |
| 10 | Valais | +67.7 % | CHF 1'968 |
| 11 | Jura | +66.0 % | CHF 2'592 |
| 12 | Nidwalden | +65.4 % | CHF 1'829 |
| 13 | Vaud | +63.9 % | CHF 2'514 |
| 14 | Basel-Landschaft | +63.4 % | CHF 2'304 |
| 15 | St. Gallen | +62.6 % | CHF 1'855 |
| 16 | Fribourg | +62.2 % | CHF 2'070 |
| 17 | Obwalden | +60.9 % | CHF 1'739 |
| 18 | Glarus | +58.8 % | CHF 1'925 |
| 19 | Basel-Stadt | +55.3 % | CHF 2'461 |
| 20 | Thurgau | +55.2 % | CHF 1'834 |
| 21 | Schaffhausen | +52.9 % | CHF 1'800 |
| 22 | Bern | +50.1 % | CHF 1'793 |
| 23 | Appenzell Innerrhoden | +49.6 % | CHF 1'406 |
| 24 | Schwyz | +46.3 % | CHF 1'519 |
| 25 | Uri | +45.2 % | CHF 1'408 |
| 26 | Zug | +25.1 % | CHF 808 |
Reuse these figures
The table above is available as a CSV file, with canton names in the three national languages and the five-year rise. It carries its provenance in the header, so it stays verifiable once detached from this page.
Download the CSVFree reuse, including commercial, with attribution. The raw data comes from the FOPH; the ranking and calculations are ours, and can be redone from the file.