If you drive in Attica, Achaea, or Heraklion, Crete, your chances of being involved in a traffic accident are significantly higher than in the rest of the country, according to a 2025 study by the Hellenic Association of Insurance Companies.
The survey maps the geographical distribution of claims frequency for insured vehicles by prefecture and shows that Attica remains the most challenging region for drivers. It should be noted that the distribution by prefecture is based on the policy issuance address—which in most cases corresponds to the area where the vehicle is primarily driven, though not always to the exact location of the accident.
The frequency of claims under motor vehicle liability insurance reaches 7.54%, while the national average stands at 5.81%.
The rate is even higher in the Municipality of Athens, where the claims frequency soars to 8.43%, while the Western Sector of Athens is also at very high levels with 7.70%, the Northern Sector with 7.65%, the Southern Sector at 7.47%, and Piraeus at 7.34%.
After Attica, the highest accident rates are recorded in Achaea at 6.27%, in Heraklion at 5.84%, and in Thessaloniki at 5.81%, which is equal to the national average. Zakynthos (5.36%), Rethymno (5.01%), and Chania (4.93%) also show a high frequency of claims.
Conversely, the safest prefectures in the country, based on data from insurance companies, appear to be Samos with a claims frequency of just 2.23%, Rodopi with 2.81%, and Lesbos with 2.86%. Very low rates are also recorded in Evros and Florina at 3.14%, as well as in Grevena at 3.19%.
The survey shows, however, that the real problem for the insurance market is not only the frequency of traffic accidents but also the rising cost of claims. The average cost of a claim under motor vehicle liability insurance rose to €1,500 in 2025, up from €1,410 in 2024 and €1,397 in 2023.
The most expensive claims are recorded in Kavala, where the average cost of compensation reaches €2,009, followed by Chalkidiki at €2,005. Very high costs are also seen in Fokida at €1,891, Grevena at €1,875, Lefkada at €1,742, Boeotia at €1,703, and Corinthia at €1,685.
In major urban areas, the average cost of damage is also high: in Attica it stands at €1,486, in the Northern Sector of Athens at €1,518, in the Southern Sector at €1,506, and in Thessaloniki at €1,509. In Heraklion, the cost reaches €1,561.
In contrast, the lowest damage costs are found in Ioannina at €1,197, in Evrytania at €1,232, in Rodopi at €1,238, and in Preveza at €1,254.
The study also shows that most accidents continue to be recorded for commercial vehicles. Buses have the highest accident rate at 46.4%, followed by taxis at 31.32%. In contrast, privately owned motorcycles have a much lower accident rate, at 2.53%, while for agricultural machinery the rate is limited to 1.58%.
In terms of claims costs per vehicle category, the highest amounts are seen in rental passenger cars with an average claim of €1,746, construction machinery at €1,630, and taxis at €1,601.
According to the survey, a total of more than 7.18 million vehicles were insured in Greece in 2025, while the claims frequency across all coverages fell to 7.92%, down from 9.37% in 2024.