Auto Insurance
Germany
Your complete guide to auto insurance in Germany. Understand the system, compare prices, and find the best coverage for your needs.
Mandatory coverage explained • Compare 50+ insurers • Save up to 50%
New to Germany?
Auto insurance works differently here than in many other countries. The system rewards long-term, claim-free driving. As a newcomer, your premiums may be higher initially – but some insurers accept foreign driving history!
đź’ˇ Money-Saving Tip
Compare auto insurance every year, especially in autumn when prices are most competitive. Even if you're happy with your insurer, checking alternatives can reveal significant savings.
How Auto Insurance Works in Germany
The Three Levels of Coverage
Mandatory. Covers damage you cause to others.
Optional. Covers theft, fire, weather, glass.
Optional. Adds self-caused accidents & vandalism.
Key Factors Affecting Price
- SF-Klasse – Your no-claims bonus class (years claim-free)
- Typklasse – Your car model's risk rating
- Regionalklasse – Where you live affects risk
- Annual mileage – Less driving = lower price
- Driver age – Young drivers pay more
- Deductible – Higher = lower premium
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Auto Insurance Questions
Is auto insurance mandatory in Germany?
Yes, third-party liability insurance (Haftpflichtversicherung) is legally required. You cannot register or drive any car without it. Kasko coverage (partial or comprehensive) is optional but recommended for newer cars.
How much does auto insurance cost in Germany?
Costs vary widely – from €30/year for basic liability on an old car to €1,000+ for comprehensive coverage on a new, powerful vehicle. Typical costs for a mid-range car with good driving history: €300-600/year for comprehensive coverage.
Can I transfer my no-claims bonus from another country?
Many German insurers accept proof of claims-free driving years from other countries. Get a letter from your previous insurer confirming your accident-free history. This can significantly reduce your premiums!
What is an eVB number and why do I need it?
The eVB-Nummer is a 7-character code proving you have valid insurance. You need it to register your car at the Zulassungsstelle (registration office). You receive it automatically when signing up for insurance.
When is the best time to switch auto insurance?
Most contracts renew on January 1st. Give notice by November 30th to switch for the new year. Autumn (September-November) is when prices are most competitive as insurers compete for customers.
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