Auto Insurance Quote Germany 2026
You can get an auto insurance quote in Germany before you even own the car. Enter the make, model and year of the car you plan to buy or import, and the tool returns an indicative price, so insurance becomes part of your budget instead of a surprise after purchase. This guide shows how to quote a car you do not own yet, why the model matters so much, and the eVB step that turns a quote into a registered car.
Key Takeaways
- You do not need to own the car or have a plate to get a quote. Use the make, model and year of the car you are considering.
- The exact model drives the price through its type class (Typklasse). Quoting two or three candidates can change which car is cheapest to run.
- A quote is free, non-binding and involves no Schufa or credit check.
- Treat an early quote as a budgeting range, not a fixed price. It moves closer to the real premium once your details are final.
- A quote does not insure you. After you sign up, the insurer issues the eVB number the registration office needs.
meinetarife24 Editorial Team
Independent EditorialOur independent editorial team carefully reviews all information and regularly updates the content.
Why Quote the Insurance Before You Buy the Car
In Germany the running cost of a car can rival the purchase price over a few years, and insurance is a big part of that. Pricing it up front, before you commit to a model, is the cheapest mistake to avoid.
The model decides the type class
Two cars at the same price can sit in very different type classes (Typklasse). The riskier or pricier-to-repair model costs more to insure every year.
Insurance is a yearly cost, not one-off
A lower sticker price means little if the premium is high. Adding the yearly figure to your budget shows the true cost of keeping the car on the road.
Newcomers often start in a low SF-Klasse
Without German accident-free years you usually begin in a low no-claims class, which raises the premium. Knowing this before you buy avoids a budget shock.
Imported cars can be quoted in advance
Enter the make, model and year of a car you are importing to get an indicative price before it arrives, so you can plan the registration cost.
Before you start: if the car already has registration papers (Fahrzeugschein / Zulassungsbescheinigung), the HSN and TSN key numbers in fields 2.1 and 2.2 identify the exact model. If you only have a listing, the make, model and year are enough for an indicative quote.
Budget the Insurance in Four Steps
1. Pick two or three candidate cars
Shortlist the models you are considering. The exact model decides the type class (Typklasse), and that can swing the insurance cost more than the purchase price suggests.
2. Quote each one before you buy
Enter the make, model and year (or the HSN/TSN from the listing) with your postcode, mileage and SF-Klasse. You get an indicative price for each car without owning any of them.
3. Add insurance to the total running cost
Put the yearly premium next to fuel, tax (Kfz-Steuer) and servicing. A cheaper car to buy is not always the cheaper car to keep on the road.
4. Confirm and get the eVB when you decide
Once you choose the car and the policy, sign up to lock the conditions. The insurer issues the eVB number you need before the Zulassungsstelle will register the car.
Want the mechanics of the online form itself, the data it needs and why two quotes differ? See our guide to getting an online quote.
A quote is the first step, the eVB number is the next
Liability cover (Haftpflicht) is mandatory for every vehicle under the Pflichtversicherungsgesetz. A quote alone does not insure you. Once you decide on the car and sign up, the insurer issues an eVB number (electronic insurance confirmation). Without it, the registration office (Zulassungsstelle) will not register your car.
What Moves the Quote Up or Down
The car you choose
- Type class (Typklasse) – how claim-prone and costly to repair the model is
- Engine power (kW/PS) and the value of the car
- Annual mileage – less driving means a lower premium
- Cover level – Haftpflicht, Teilkasko or Vollkasko, plus the deductible (Selbstbeteiligung)
Your profile
- SF-Klasse – your no-claims class, the biggest single lever
- Regional class – the postcode where the car is registered
- Age and driving experience – young or new drivers pay more
- Where the car is parked (garage vs street)
New to the German no-claims system? See how accident-free years move the price in our SF-Klasse guide.
Get Your Auto Insurance Quote
Enter the car you own or plan to buy and see personalised prices from German insurers, side by side.
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Data Source & Transparency
The tariff data on this page is provided by CHECK24 and Tarifcheck. We do not alter prices, rankings, or how results are displayed.
Our role:
We provide editorial explanations and decision-making guidance. The actual tariff calculation and mediation is done by our partners.
What we do not cover:
Not all providers in the market are included in this comparison. Regional providers or specialized tariffs may be missing.
Auto Insurance Quote FAQ
Can I get a car insurance quote before I buy the car?
Yes. You do not need to own the car or have a plate to get a quote. Enter the make, model and year (or the HSN/TSN key numbers from the seller) and the tool returns an indicative price. This lets you treat insurance as part of your buying budget instead of a surprise after purchase.
How does the car I choose change the quote?
A lot. The premium depends on the type class (Typklasse) of that exact model, which reflects how often it is involved in claims and how expensive repairs are. A powerful or theft-prone model in a high type class can cost far more to insure than a modest one, so checking the quote for two or three candidate cars can change which one is cheapest to run.
Is getting a quote free and non-binding?
Yes. A quote costs nothing and creates no obligation. You only ever pay the premium of a policy you actually sign up for, never a fee for getting an estimate, and there is no Schufa or credit check involved in a motor-insurance quote.
How accurate is a quote before I own the car?
It is an indicative snapshot, not a fixed price. The model, postcode, mileage and your no-claims class (SF-Klasse) drive the figure, so once your details are final the quote moves closer to the real premium. Treat early quotes as a budgeting range, then confirm the exact price when you are ready to register the car.
I am importing a car. Can I still budget the insurance?
Yes. Enter the make, model and year of the imported car to get an indicative quote before it arrives. Note that without German accident-free years you usually start in a low SF-Klasse, which raises the price; some insurers credit foreign claims-free years on request and with proof from your previous insurer.
What turns a quote into actual cover and a registered car?
A quote alone does not insure you. Liability cover (Haftpflicht) is mandatory under the Pflichtversicherungsgesetz. Once you sign up, the insurer issues an eVB number (electronic insurance confirmation), and the registration office (Zulassungsstelle) needs that number before it will register the car in your name.
Sources & Methodology
We explain how to budget German car insurance before you buy in plain English and cross-check every point against independent, official sources. A quote is an individual snapshot, never a guaranteed price, because the insurer always calculates the premium from the exact car and your own profile.
- § 1 PflVG (Pflichtversicherungsgesetz): the duty to insure and why an eVB number is required before registration.
- GDV (Gesamtverband der Versicherer): the HSN/TSN and Typklasse rating system that ties each model to its insurance cost.
- ADAC: the SF-Klasse no-claims system and how foreign accident-free years are handled.
- Finanztip and Stiftung Warentest: independent benchmarks for premiums and total running cost.
- Live tariff data from our partners CHECK24 and Tarifcheck. We do not influence prices or rankings.
Related Guides
How the Online Quote Works
The data the tool needs and why two quotes differ.
US Terms Translated
Full coverage, liability and deductible in the German system.
Coverage Types Explained
Haftpflicht, Teilkasko and Vollkasko in detail.
Cost Guide
What affects your premium and how to lower it.
SF-Klasse Explained
How the German no-claims system moves your quote.
Car Insurance Germany Hub
The full KFZ-Versicherung overview for newcomers.
Quote Before You Commit
Price the insurance on the car you are considering, add it to your budget, and decide with the full running cost in front of you. Free, fast and no obligation.
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