Best Car Insurance
Germany 2026
There's no single "best" car insurance – the best policy depends on YOUR car, driving habits, and needs. Here's how to find it.
Compare providers • Match coverage to your needs • Find the best price-value ratio
Why "Best" is Personal
The cheapest insurer for one driver may be expensive for another. German insurers use complex algorithms considering 20+ factors. That's why comparing with YOUR specific details is essential.
đź’ˇ The Secret to Finding the Best
Don't just look at price – check the coverage details. A policy €50 cheaper but with worse coverage isn't actually better. Look at: coverage limits, included extras, customer service ratings.
What Makes a Car Insurance "Best"?
Fair Price
Competitive premium for the coverage you get
Good Coverage
Adequate limits and useful extras
Claims Handling
Smooth process when you need help
Right Fit
Matches your specific situation
Best Insurance for Different Situations
Best for Budget Drivers
- • Liability-only coverage (Haftpflicht)
- • Higher deductible to reduce premium
- • Annual payment (discounts available)
- • Limit drivers and mileage
Best for New Car Owners
- • Vollkasko (comprehensive) coverage
- • GAP protection for financing
- • Low deductible for peace of mind
- • New-for-old replacement option
Best for Families
- • Multiple driver coverage
- • Good coverage limits
- • Accident assistance services
- • Child seat replacement after accident
Best for Expats
- • Accepts foreign no-claims history
- • English customer service available
- • EU-wide coverage included
- • Digital-first sign-up process
Find YOUR Best Car Insurance
Compare personalized quotes to find the best policy for your situation
Find the Best Insurance for You
Personalized results • Compare features • Find your match
Finding the Best Insurance: FAQ
Which car insurance is best in Germany?
There's no single 'best' insurer – it depends on your car, age, location, driving history, and coverage needs. HUK-Coburg, Allianz, and DEVK often score well in ratings, but the best for YOU could be a smaller, specialized insurer. Always compare with your actual details.
Should I choose the cheapest option?
Not necessarily. The cheapest policy might have inadequate coverage limits, high deductibles, or poor claims service. Look for good value: reasonable price WITH adequate coverage. Sometimes paying €50-100 more gets you significantly better protection.
What coverage extras are worth having?
Useful extras include: 'Mallorca-Police' (higher coverage abroad), Rabattschutz (bonus protection), extended new-for-old replacement periods, and breakdown assistance. Whether they're 'worth it' depends on your situation and how much extra they cost.
How do I know if my coverage is adequate?
Key things to check: liability limits (higher is better, minimum €50-100 million recommended), glass coverage terms, rental car coverage while yours is repaired, and what the deductible actually is. Read the policy details, not just the price.
Can I trust online insurance comparisons?
Yes, comparison sites show real quotes from real insurers. However, not all insurers participate in every comparison site. For the most complete picture, you might check 2-3 comparison tools or get direct quotes from major insurers.
Find Your Best Car Insurance
Compare quotes personalized to your situation and find the best value for your needs.