What is the difference in insurance indicators — penetration between Croatia and Netherlands?

5.97 Percentage of GDP, with Netherlands ahead.

How many years of comparable data are there for Croatia and Netherlands?

6 years are reported by both, from 2018 to 2023.

Where does this data come from?

Organisation for Economic Co-operation and Development, published as Insurance indicators — Penetration. Statizoid refreshes it automatically from the source and publishes the full history for both places.

Croatia vs Netherlands: Insurance indicators — Penetration

Croatia

2.29 Percentage of GDP

in 2023

Netherlands

8.26 Percentage of GDP

in 2024

Croatia rank

2nd

Netherlands rank

1st

Insurance indicators — Penetration over time

Croatia
Netherlands

How they compare

Netherlands currently reports 8.26 Percentage of GDP against 2.29 Percentage of GDP in Croatia, a difference of 5.97 Percentage of GDP.

That makes Netherlands's figure about 3.6 times Croatia's.

Across all 6 years both countries report, Netherlands has been ahead every year.

Croatia ranks 2nd and Netherlands ranks 1st of 3 countries.

Netherlands has averaged higher in every one of the 2 decades both report.

Head to head by decade

Decade	Croatia	Netherlands	Difference	Ahead
2010s	2.56 Percentage of GDP	9.11 Percentage of GDP	6.55 Percentage of GDP	Netherlands
2020s	2.54 Percentage of GDP	8.58 Percentage of GDP	6.04 Percentage of GDP	Netherlands

Averages of every year both report within each decade.

Frequently asked questions

Which has higher insurance indicators — penetration, Croatia or Netherlands?: Netherlands, at 8.26 Percentage of GDP against 2.29 Percentage of GDP in Croatia as of 2024.
What is the difference in insurance indicators — penetration between Croatia and Netherlands?: 5.97 Percentage of GDP, with Netherlands ahead.
How many years of comparable data are there for Croatia and Netherlands?: 6 years are reported by both, from 2018 to 2023.
How do Croatia and Netherlands rank globally for insurance indicators — penetration?: Croatia ranks 2nd and Netherlands ranks 1st of 3 countries.
Where does this data come from?: Organisation for Economic Co-operation and Development, published as Insurance indicators — Penetration. Statizoid refreshes it automatically from the source and publishes the full history for both places.

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Croatia vs Netherlands: Insurance indicators — Penetration. Statizoid, drawing on Organisation for Economic Co-operation and Development. Retrieved 03 October 2026, from https://reference.statizoid.com/compare/insurance-indicators-penetration/croatia-2/netherlands-2/

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About this data

Indicator: Insurance indicators — Penetration
Unit: Percentage of GDP
Source: Organisation for Economic Co-operation and Development
Licence: OECD Terms and Conditions (attribution required)
Coverage: 62 places, 1,565 data points, 1983–2024
Last refreshed: 18 August 2026

This dataset includes key indicators on the insurance industry, such as insurance penetration (gross written premiums as a percentage of GDP), insurance density (gross written premiums in USD per capita), the share of life and non-life insurance in the total insurance business (life and non-life gross written premiums as a percentage of gross premiums), the retention ratio (net written premiums as a percentage of gross premiums) and the reinsurance share (reinsurance accepted as a percentage of gross premiums). This dataset also shows the domestic market share of foreign-controlled undertakings and branches/agencies in each reporting jurisdiction, and the geographical distribution of premiums written within the OECD.