{"id":46667,"date":"2026-01-19T11:03:00","date_gmt":"2026-01-19T10:03:00","guid":{"rendered":"https:\/\/personal-finance.bnpparibas\/?p=46667"},"modified":"2026-08-19T11:18:31","modified_gmt":"2026-08-19T09:18:31","slug":"january-2026-european-car-fleet-savings-rate","status":"publish","type":"post","link":"https:\/\/personal-finance.bnpparibas\/en\/january-2026-european-car-fleet-savings-rate\/","title":{"rendered":"January 2026 Mobility &amp; Consumption Minute: 255 million cars in Europe, a 16% savings rate in the euro area"},"content":{"rendered":"<div class=\"container\">\n<div class=\"wp-block-group has-green-dark-background-color has-background is-layout-constrained wp-container-core-group-is-layout-e3964afe wp-block-group-is-layout-constrained\" style=\"border-top-left-radius:28px;border-top-right-radius:28px;border-bottom-left-radius:28px;border-bottom-right-radius:28px;padding-top:var(--wp--preset--spacing--60);padding-right:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--60);padding-left:var(--wp--preset--spacing--60)\">\n<p class=\"has-text-color has-link-color wp-elements-ace980a77c64e3a02e24d6c0125ac87f wp-block-paragraph\" style=\"color:#ffffff\">Every month, the&nbsp;<strong>Mobility Minute<\/strong>&nbsp;and the&nbsp;<strong>Consumption Minute<\/strong>&nbsp;explore two major trends transforming consumer behaviour in France and across Europe.<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-90992baf729e754a4700705737966aaf wp-block-paragraph\" style=\"color:#ffffff\">Presented by Flavien Neuvy, economist and Director of the Cetelem Observatory, these two analyses provide a one-minute overview of the developments shaping the mobility and consumer markets.<\/p>\n<\/div>\n<\/div>\n\n<div class=\"container\">\n<p class=\"wp-block-paragraph\">Two structural indicators open the year in January 2026:<\/p>\n<\/div>\n\n<div class=\"container\">\n<ul class=\"wp-block-list\"><div class=\"container\">\n<li class=\"has-green-dark-color has-text-color has-link-color wp-elements-ad51dbaf4e0c08b07866576089999f51\"><strong>255 million cars are in daily use on European roads, in an ageing fleet averaging twelve and a half years<\/strong><\/li>\n<\/div>\n\n<div class=\"container\">\n<li class=\"has-red-color has-text-color has-link-color wp-elements-80ceb2661953bb9dc27b39306fc23a5a\"><strong>Running establishes itself as a mass phenomenon and a genuine market<\/strong><\/li>\n<\/div><\/ul>\n<\/div>\n\n<div class=\"container\">\n<h3 class=\"wp-block-heading\">Mobility Minute: 255 million cars on European roads every day<\/h3>\n<\/div>\n\n<div class=\"container\">\n<p class=\"wp-block-paragraph\">According to an ACEA study, 255 million cars are in daily use on European roads. The fleet is dominated by Germany, with around 50 million vehicles, ahead of Italy (41.3 million) and France (around 40 million).<\/p>\n<\/div>\n\n<div class=\"container\">\n<p class=\"wp-block-paragraph\">Above all, that fleet is old: twelve and a half years on average, and more than seventeen years in Greece.<\/p>\n<\/div>\n\n<div class=\"container\">\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"iframe-wrapper\"><iframe title=\"Vid\u00e9o Youtube - Mobility Minute #12 Europe\u2019s car problem: too many vehicles, too old, too slow to change \ud83e\udee8\" src=\"https:\/\/www.youtube.com\/embed\/dLC530sYOiY?feature=oembed\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/div><\/figure>\n<\/div>\n\n<div class=\"container\">\n<h3 class=\"wp-block-heading\">Key takeaways<\/h3>\n<\/div>\n\n<div class=\"container\">\n<p class=\"wp-block-paragraph\">&#8211; 255 million cars in use across Europe<br>&#8211; a fleet averaging twelve and a half years, more than seventeen in Greece<br>&#8211; Germany leads (around 50 million), ahead of Italy (41.3 million) and France (around 40 million)<br>&#8211; 12,000 kilometres driven per vehicle per year, or 1,000 km a month<br>&#8211; a fleet still mainly petrol (50%) and diesel (38%), with electric at just 2.3%<\/p>\n<\/div>\n\n<div class=\"container\">\n<p class=\"wp-block-paragraph\">To understand why electric accounts for only 2.3% of the fleet on the road when it already represents 17.4% of sales, and what the age of the fleet reveals about car purchasing power:<\/p>\n<\/div>\n\n<div class=\"container\">\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Read the full analysis on the Observatoire Cetelem<\/strong><\/p>\n<\/div>\n\n<div class=\"container\">\n<h3 class=\"wp-block-heading\"><strong><strong>Discover the latest Auto 2026 study by the Cetelem Observatory<\/strong><\/strong><\/h3>\n<\/div>\n\n<div class=\"container\">\n<p class=\"wp-block-paragraph\">With this new 2026 edition, if we observe a worrying situation, we identify five levers that could create a healthy rebound in the automotive sector. An obligation, as the economic and social stakes are so high<\/p>\n<\/div>\n\n\n<div class=\"container\">\n\n    <div class=\"my-3 text-center\">\n\n        <a id=\"block_a806c11774982d960606e0253127294e\" href=\"https:\/\/observatoirecetelem.com\/en\/lobservatoire-cetelem-de-lautomobile\/the-bold-trajectory-of-the-suv\/editorial\"   class=\"btn btn-border\">\n            FIND HERE THE LATEST CAR STUDY 2026\n                    <\/a>\n\n    <\/div>\n\n<\/div>\n\n<div class=\"container\">\n<h3 class=\"wp-block-heading\">Consumption Minute: Europeans are saving 16% of their income<\/h3>\n<\/div>\n\n<div class=\"container\">\n<p class=\"wp-block-paragraph\">The average savings rate in the euro area stands at 16% a year, against 12% before the health crisis a four-point gap that has never closed.<\/p>\n<\/div>\n\n<div class=\"container\">\n<p class=\"wp-block-paragraph\">Germany saves more still, at 20%, while France sits at around 18%.<\/p>\n<\/div>\n\n<div class=\"container\">\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"iframe-wrapper\"><iframe title=\"Vid\u00e9o Youtube - Consumption Minute #12 Europe is saving record amounts \u2013 but what happens next? \ud83e\udd28\" src=\"https:\/\/www.youtube.com\/embed\/YJKCb8c2otE?feature=oembed\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/div><\/figure>\n<\/div>\n\n<div class=\"container\">\n<h3 class=\"wp-block-heading\">Key takeaways<\/h3>\n<\/div>\n\n<div class=\"container\">\n<p class=\"wp-block-paragraph\">&#8211; an average savings rate of 16% in the euro area, against 12% before the health crisis<br>&#8211; 20% in Germany, around 18% in France<br>&#8211; four points more than before 2020<br>&#8211; household consumption remains the number one engine of euro area economies<br>&#8211; demographic ageing structurally feeds saving<\/p>\n<\/div>\n\n<div class=\"container\">\n<p class=\"wp-block-paragraph\">To understand why saving has settled at this level, and what households might do with it in 2026:<\/p>\n<\/div>\n\n<div class=\"container\">\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Read the full analysis on the Observatoire Cetelem<\/strong><\/p>\n<\/div>\n\n<div class=\"container\">\n<h2 class=\"wp-block-heading\"><strong><strong><strong>Find the new 2026 Consumer Study from the Cetelem Observatory<\/strong><\/strong><\/strong><\/h2>\n<\/div>\n\n<div class=\"container\">\n<p class=\"wp-block-paragraph\">As early as 2016, we were interested in seniors with <a href=\"https:\/\/observatoirecetelem.com\/app\/uploads\/sites\/2\/2013\/07\/observatoire-cetelem-consommation-2016.pdf\">a study entitled &#8220;Towards the golden age of the silver economy?&#8221;<\/a>. At the time, we were far from suspecting that the decline in the birth rate would accelerate to such an extent and that the question of demographic ageing would be so acute 10 years later.<\/p>\n<\/div>\n\n<div class=\"container\">\n<p class=\"wp-block-paragraph\">Find out about the latest Consumption study.<\/p>\n<\/div>\n\n\n<div class=\"container\">\n\n    <div class=\"my-3 text-center\">\n\n        <a id=\"block_adc31c406ef7b11566a36671d925bc6b\" href=\"https:\/\/observatoirecetelem.com\/en\/lobservatoire-cetelem-de-la-consommation\/observatory-of-consumption-2026\"   class=\"btn btn-border\">\n            FIND HERE THE LATEST 2026 CONSUMER STUDY\n                    <\/a>\n\n    <\/div>\n\n<\/div>\n\n<div class=\"container\">\n<h3 class=\"wp-block-heading\">Two indicators, one shared household caution<\/h3>\n<\/div>\n\n<div class=\"container\">\n<p class=\"wp-block-paragraph\">An ageing car fleet and a savings rate that stays high tell the same story.<\/p>\n<\/div>\n\n<div class=\"container\">\n<p class=\"wp-block-paragraph\">Keeping a car for twelve and a half years means postponing a purchase. Saving 16% of income means building a reserve rather than spending. In both cases, European households are deferring their decisions rather than abandoning them.<\/p>\n<\/div>\n\n<div class=\"container\">\n<div class=\"wp-block-group has-background is-layout-constrained wp-container-core-group-is-layout-e3964afe wp-block-group-is-layout-constrained\" style=\"border-top-left-radius:28px;border-top-right-radius:28px;border-bottom-left-radius:28px;border-bottom-right-radius:28px;background-color:#dcdcdc;padding-top:var(--wp--preset--spacing--60);padding-right:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--60);padding-left:var(--wp--preset--spacing--60)\">\n<h3 class=\"wp-block-heading\"><strong>FAQ &#8211; Mobility and consumer markets, January 2026<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>How many cars are on the road in Europe?<\/strong><br>255 million cars are in daily use on European roads, according to an ACEA study cited by the Observatoire Cetelem de BNP Paribas Personal Finance<\/li>\n\n\n\n<li><strong>What is the average age of the European car fleet?<\/strong><br>The European car fleet on the road averages twelve and a half years, and more than seventeen years in Greece.<\/li>\n\n\n\n<li><strong>Which European country has the largest car fleet?<\/strong><br>Germany, with around 50 million vehicles, ahead of Italy (41.3 million) and France (around 40 million).<\/li>\n\n\n\n<li><strong>What is the share of electric cars in the European fleet on the road?<\/strong><br>Electric vehicles account for 2.3% of the cars in daily use across Europe. That is the share of the existing fleet, not of new sales, which reached 17.4% in 2025.<\/li>\n\n\n\n<li><strong>What is the savings rate in the euro area? <\/strong>                                                                                                                  The average savings rate in the euro area stands at 16% a year, against 12% before the health crisis.<\/li>\n\n\n\n<li><strong>What are the savings rates in France and Germany?<\/strong> \u00a0                                                                                     France sits at around 18% and Germany at 20%.<\/li>\n\n\n\n<li><strong>Where can I find the detailed analyses?<\/strong><br>Both full analyses are published on the Observatoire Cetelem website, in the Automotive and Consumption sections.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n<div class=\"container\">\n<script type=\"application\/ld+json\">\n{\n\"@context\": \"https:\/\/schema.org\",\n\"@type\": \"FAQPage\",\n\"inLanguage\": \"en\",\n\"mainEntity\": [\n{\n\"@type\": \"Question\",\n\"name\": \"How many cars are on the road in Europe?\",\n\"acceptedAnswer\": {\n\"@type\": \"Answer\",\n\"text\": \"255 million cars are in daily use on European roads, according to an ACEA study cited by the Observatoire Cetelem de BNP Paribas Personal Finance.\"\n}\n},\n{\n\"@type\": \"Question\",\n\"name\": \"What is the average age of the European car fleet?\",\n\"acceptedAnswer\": {\n\"@type\": \"Answer\",\n\"text\": \"The European car fleet on the road averages twelve and a half years, and more than seventeen years in Greece.\"\n}\n},\n{\n\"@type\": \"Question\",\n\"name\": \"Which European country has the largest car fleet?\",\n\"acceptedAnswer\": {\n\"@type\": \"Answer\",\n\"text\": \"Germany, with around 50 million vehicles, ahead of Italy (41.3 million) and France (around 40 million).\"\n}\n},\n{\n\"@type\": \"Question\",\n\"name\": \"What is the share of electric cars in the European fleet on the road?\",\n\"acceptedAnswer\": {\n\"@type\": \"Answer\",\n\"text\": \"Electric vehicles account for 2.3% of the cars in daily use across Europe. That is the share of the existing fleet, not of new sales, which reached 17.4% in 2025.\"\n}\n},\n{\n\"@type\": \"Question\",\n\"name\": \"What is the savings rate in the euro area?\",\n\"acceptedAnswer\": {\n\"@type\": \"Answer\",\n\"text\": \"The average savings rate in the euro area stands at 16% a year, against 12% before the health crisis.\"\n}\n},\n{\n\"@type\": \"Question\",\n\"name\": \"What are the savings rates in France and Germany?\",\n\"acceptedAnswer\": {\n\"@type\": \"Answer\",\n\"text\": \"France sits at around 18% and Germany at 20%.\"\n}\n},\n{\n\"@type\": \"Question\",\n\"name\": \"Where can I find the detailed analyses?\",\n\"acceptedAnswer\": {\n\"@type\": \"Answer\",\n\"text\": \"Both full analyses are published on the Observatoire Cetelem website, in the Automotive and Consumption sections.\"\n}\n}\n]\n}\n<\/script>\n<\/div>\n\n<div class=\"container\">\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Every month, the&nbsp;Mobility Minute&nbsp;and the&nbsp;Consumption Minute&nbsp;explore two major trends transforming consumer behaviour in France and across Europe. Presented by Flavien Neuvy, economist and Director of the Cetelem Observatory, these two analyses provide a one-minute overview of the developments shaping the mobility and consumer markets. Two structural indicators open the year in January 2026: Mobility Minute: [&hellip;]<\/p>\n","protected":false},"author":1981,"featured_media":45273,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[372,457],"tags":[],"class_list":["post-46667","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mobilite-en","category-consumption"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>January 2026 Minute: 255M cars in Europe, 16% savings<\/title>\n<meta name=\"description\" content=\"255 million cars are on European roads, averaging twelve and a half years old. Euro area households save 16% of their income, against 12% pre-crisis.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/personal-finance.bnpparibas\/en\/january-2026-european-car-fleet-savings-rate\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"January 2026 Minute: 255M cars in Europe, 16% savings\" \/>\n<meta property=\"og:description\" content=\"255 million cars are on European roads, averaging twelve and a half years old. 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