A. M. 
The insurance market in El Salvador registered 9% growth during 2025, compared to the previous year, a significant advance in a context where a low insurance culture persists among the population, according to industry data.
According to industry representatives, the increase was mainly observed in life, accident, health, and auto insurance, which account for the highest demand among salvadorans. By november, the market’s performance already reflected an expansion of nearly 9%, confirming positive results throughout the year.
The CEO of Asesuisa, Enzo Bizarro, explained that this growth demonstrates a greater awareness of the need for protection against unforeseen events, although he acknowledged that the level of insurance penetration remains low. He detailed that the branches with greater dynamism were life, accident, and health insurance, as well as auto insurance, the latter driven by the increase in the number of vehicles on the road and the frequency of traffic accidents.
In contrast to market growth, overall claims increased by only 4% compared to 2024, reflecting an improved balance in the system. Furthermore, an analysis of the claims-to-premiums ratio reveals a downward trend in recent years, particularly in life insurance, which has seen a significant decrease in its claims rate.
However, this trend is not uniform across all segments. In accident and health insurance, claims grew between 8% and 9%, while in auto insurance, the increase was close to 17%. This latter figure is directly related to the rise in traffic accidents, consistent with official records from the Observatorio Nacional de Seguridad Vial..
According to figures from the Vice Ministry of Transportation, the vehicle fleet in the country exceeds 2,034,000 vehicles, but only between 20% and 25% are insured. This low coverage partly explains the economic impact of accidents, both for individuals and for the system.
As of november 2025, total payouts for claims reached US$372 million, with health, auto, and life insurance accounting for the majority of these payments. This figure represents an increase compared to the previous year and highlights the role of insurance as a key financial protection mechanism.
Experts agree that, despite market growth, the main challenge remains financial literacy. They point out the need to strengthen awareness of the risks to which the population is exposed and the importance of having insurance that provides financial protection in the event of accidents, illnesses, or other unforeseen circumstances, in a country where no one is immune to facing such situations.
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