2026 Type Class Changes at a Glance
33,000
Car models re-evaluated
5.9M
Drivers pay more
4.5M
Drivers pay less
Step 1: What Are Type Classes?
In Germany, every car model is assigned a type class (Typklasse) based on its claim history. The German Insurance Association (GDV) analyzes data from all insurers and updates these classifications annually.
Three Types of Type Classes
Liability (Haftpflicht): Classes 10-25
Based on damage your car causes to others. Mandatory insurance.
Partial Comprehensive (Teilkasko): Classes 10-34
Covers theft, fire, storm damage, animal collisions. Optional.
Full Comprehensive (Vollkasko): Classes 10-34
Covers all damage including self-caused accidents. Optional.
The Lower, The Better
Lower type class numbers mean lower insurance premiums. A car in class 10 costs significantly less to insure than one in class 25.
Step 2: What Changes in 2026?
Every year, the GDV analyzes claim data and adjusts type classes. For 2026, significant changes affect millions of drivers:
Higher Classification
5.9 million drivers affected
- -Many SUVs and crossovers
- -Some electric vehicles
- -High-performance models
Lower Classification
4.5 million drivers benefit
- +Many compact cars
- +Some older models
- +Entry-level vehicles
Why These Changes?
Rising repair costs (workshop rates over 200 Euro/hour), expensive car technology, and increased claim payouts drive reclassifications. Average liability claim: 4,200 Euro. Average comprehensive claim: 4,000 Euro.
Step 3: Type Class Examples 2026
Here are type classes for popular car models in 2026. Use this as a reference when choosing your next vehicle:
| Car Model | Liability | Partial | Full |
|---|---|---|---|
| VW Golf 8 1.5 TSI | 15 | 19 | 18 |
| Tesla Model 3 | 18 | 25 | 24 |
| BMW 3 Series 320i | 16 | 21 | 20 |
| Mercedes A-Class | 14 | 20 | 19 |
| Skoda Octavia | 13 | 17 | 16 |
| Audi A4 2.0 TFSI | 16 | 22 | 21 |
Check Your Car's Type Class
Compare insurance offers and see how much you could save with the right policy.
Compare Car Insurance NowStep 4: How Type Classes Affect Your Premium
Type classes have a direct impact on your insurance costs. Here is an example calculation:
Example: Same Driver, Different Cars
Expat Tip: Check Before You Buy
Before purchasing a car in Germany, always check its type class. The same budget can get you a low-class or high-class vehicle - the insurance difference can be 500+ Euro per year.
Step 5: How to Check Your Type Class
Finding your car's type class is easy. Here is how:
Use the GDV Type Class Database
The official database at gdv.de shows all type classes. Search by manufacturer, model, and engine variant.
Check Your Insurance Documents
Your current policy shows your vehicle's type class. Look for "Typklasse" in the details section.
Use a Comparison Portal
Comparison sites automatically show type classes when you enter your vehicle data and calculate premiums.
Frequently Asked Questions
When do the new 2026 type classes take effect?
The new type classes take effect on January 1, 2026 for new policies. Existing policies are updated at your next renewal date.
Can I change my type class?
No, type classes are fixed per vehicle model. You cannot negotiate or change them. The only way to get a different type class is to drive a different car.
Why are electric cars often in higher classes?
Electric vehicles often have higher repair costs (30-35% more expensive) due to specialized parts and battery repairs. This leads to higher type classes for many EVs.
Do all insurers use the same type classes?
Yes, all German insurers use the GDV type class system. However, how much weight they give to type classes in their pricing varies. That is why comparing is essential.
Summary: Your Action Plan
- 1Check your current car's 2026 type class at gdv.de
- 2Compare insurance offers - prices vary significantly between providers
- 3Before buying a car, always check its type class first
- 4Switch insurers if your premium increases significantly