Calculate car insurance in Germany 2026Get a quote online in two minutes
Last updated: 18 May 2026 · meinetarife24 Editorial Team
Calculate your annual German car insurance premium with the Tarifcheck network. Free, no signup, in plain English.
Calculating car insurance in Germany means using your vehicle and driver data to work out the annual premium for Haftpflicht (liability), Teilkasko (partial cover) or Vollkasko (comprehensive). You enter HSN, TSN, no-claims class, mileage and postal code. Our calculator pulls tariffs from the Tarifcheck network and shows what you actually pay in 2026.
Key Takeaways
- A full calculation takes about two minutes once you have your paperwork.
- Main price drivers: type class, regional class, no-claims class, mileage, deductible.
- The 2026 GDV type-class update moved many vehicles into a new bracket — check yours.
- The standard switch deadline is 30 November every year.
- Newcomers usually start at SF 0. Some insurers credit foreign no-claims history if you ask in writing.
Tip for newcomers
Calculating a German car insurance (Kfz-Versicherung) starts with the Fahrzeugschein (vehicle registration). Without HSN and TSN from that document, the calculator cannot produce an accurate quote.
German terms you will see
What does it mean to calculate car insurance in Germany?
German law requires every car to have Haftpflichtversicherung (liability cover). You cannot register a vehicle without it. When you compare insurance, you really want two answers: how much per year, and what is covered if something goes wrong. That is what a calculator does — it feeds your data into live tariffs and gives you a list of prices and coverage levels.
Our setup runs on the Tarifcheck network, so you do not have to visit each insurer one by one. The trade-off: the calculator is only as good as the data you put in. A rough guess on mileage may cost you more in the long run.
What you need before you start
- HSN and TSN from your Fahrzeugschein (fields 2.1 and 2.2)
- First registration date of the vehicle
- Annual mileage in kilometres
- Current SF-Klasse (no-claims class)
- Date of birth
- Postal code where the car will be registered
The mileage estimate is the one most newcomers get wrong. Be honest — a low estimate saves money up front, but can cause headaches if the insurer audits your odometer. See our car insurance comparison guide for context.
Find HSN and TSN: where to look in the Fahrzeugschein
HSN stands for Herstellerschluesselnummer (manufacturer key). TSN stands for Typschluesselnummer (type key). Together they identify your exact car. Both numbers live in your Zulassungsbescheinigung Teil I (formerly Fahrzeugschein):
- Field 2.1: HSN, four digits, manufacturer
- Field 2.2: TSN, three characters, variant
No physical paper on hand? Check the door-frame sticker or your insurer app for a digital copy. Background on how this affects pricing lives at our instant car insurance page.
The no-claims class: years without a claim equal lower premiums
The SF-Klasse is the biggest lever in your control. It tracks how many years you drove without an at-fault claim. More claim-free years means a better class and a lower premium.
- SF 0 / SF 1/2: beginners or drivers without recognised prior cover
- SF 5 to SF 15: common after several claim-free years
- SF 25 and beyond: long-term claim-free drivers with high discounts
If you drove insured abroad, ask your previous insurer for a Bescheinigung (confirmation letter). Some German insurers credit that history, others do not. EU drivers tend to have an easier time, but it is worth asking in any case.
Type class and regional class for 2026
Two more classes shape your premium, and you cannot change either:
- Type class: how claim-prone is your specific model? Set annually by the German Insurance Association (GDV).
- Regional class: how many claims happen in your postal-code area?
For 2026, the GDV reclassified several million vehicles. If your model went up, you will see the effect in the quote. If your model went down, the calculator will surface the saving. Either way, the only way to know is to run the numbers.
Run your calculation now
Enter your vehicle data and view live tariffs. No signup. No commitment. Free of charge.
Advertising disclosure: When you start the calculator, we hand you over to our comparison partner Tarifcheck. If you sign a contract there, we earn a commission. The price you see does not change. Read our how we make money page for details.
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Three steps to a quote
Enter data
Type in vehicle and driver details.
Calculate premium
The system returns your annual premium.
Compare tariffs
Review insurers side by side and decide.
Liability, partial or comprehensive cover?
Haftpflicht is mandatory and pays for damage you cause to others. It does not pay for damage to your own car. That is where Teilkasko and Vollkasko come in:
- Teilkasko (partial): covers theft, wildlife collisions, glass, storm and hail. A solid choice for newer used cars or financed vehicles.
- Vollkasko (comprehensive): includes everything Teilkasko covers plus self-inflicted damage. Standard for new cars, leases and high-value vehicles.
A rough rule: older cars with low residual value often do not justify Vollkasko. New or financed cars usually do.
When does switching make sense?
The standard deadline is 30 November each year for a switch on 1 January. There are two other windows:
- If your insurer raises the premium, you have a special right of termination within one month.
- When you register a new car, you naturally start a new contract.
A calculation costs nothing and tells you whether a switch puts money back in your pocket.
What expats often miss
- Foreign no-claims history: not every insurer credits it, but some do. Always ask in writing.
- Mileage: a realistic estimate is safer than a lowball one.
- Driver circle: if your partner or a flatmate drives the car, they belong on the policy.
You can find a deeper walk-through in our instant car insurance guide and the broader car insurance comparison.
Frequently asked questions
How much does car insurance cost in Germany in 2026?
Your premium depends on the vehicle, your region, mileage and no-claims class. Plain Haftpflicht (liability) usually sits well below Vollkasko (comprehensive) tariffs. A reliable number only comes from a calculation with your own data, that is exactly what our calculator does.
What data do I need to calculate German car insurance?
You need HSN and TSN from your Fahrzeugschein, date of first registration, expected mileage per year, your current SF-Klasse, date of birth and the postal code where the car is registered. That is enough for a first quote.
Where do I find HSN and TSN?
HSN and TSN are printed in your Zulassungsbescheinigung Teil I. HSN is four digits (field 2.1) and identifies the manufacturer. TSN has three characters (field 2.2) and identifies the exact model.
What is the no-claims class (SF-Klasse)?
It shows how many years you have driven without an at-fault claim. A higher class means a lower premium. As a newcomer, you usually start at SF 0 unless an insurer agrees to credit your foreign no-claims history. Ask in writing if you have one.
What changes in 2026 type classes?
The GDV recalculates type classes every year based on each model claims record. For 2026 several million vehicles moved into a different class. Our calculator shows you instantly how that affects your premium.
When does switching insurer make sense?
The classic deadline is 30 November for a switch on 1 January. If your insurer raises the premium, you have a special right of termination within one month of the notice. Run the calculator first to see if a switch actually saves money.
Do I need an eVB number?
Yes. The electronic insurance confirmation (eVB) is a seven-character code you need to register the car. After you sign a policy online, the insurer sends the eVB by email, often within minutes.
Is the calculation really free?
Yes. The calculation and the comparison are free and non-binding. We earn a commission from our partners Tarifcheck and CHECK24 if you sign a contract. The price you see does not change because of that.