Saudi Insurance Solvency to Reach 156.7% in 2025

The total written insurance premiums in the Saudi market increased by 10.7% in 2025, reaching 84.3 billion Saudi riyals, with a net profit of 1.9 billion riyals. This occurred despite a decline in the solvency margin from 165.7% to 156.7%. The insurance sector experienced notable growth in health insurance and motor insurance, which together accounted for approximately 89% of the total growth. The number of beneficiaries of health insurance rose to over 14 million, while the number of insured vehicles increased to 11 million. The authority’s efforts focused on protecting customers’ rights and ensuring market stability, issuing more than 180 fines totaling 25 million riyals and addressing over 440,000 complaints throughout 2025. Looking ahead, 2026 is expected to serve as a test of growth resilience and sustainability, with an emphasis on investment performance, rising healthcare claims costs, the periodic adjustment of motor insurance prices, and the strength of insurers’ capital bases.

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