Car Insurance in Germany 2026Complete Guide for Expats
Moving to Germany and need car insurance? This guide explains everything you need to know - from the types of coverage to how to get the best rates as a foreigner.
Car Insurance is Mandatory in Germany
If you own or drive a car in Germany, you must have at least Haftpflichtversicherung (third-party liability insurance). This is German law (Pflichtversicherungsgesetz). Driving without insurance can result in fines up to 180 Euro, points on your license, and vehicle seizure.
Types of Car Insurance in Germany
Understanding the three coverage levels will help you make the right choice.
Haftpflicht
Third-Party Liability - Covers damage you cause to others:
- Other vehicles
- Property damage
- Medical costs for injured people
Does NOT cover your own car!
Teilkasko
Partial Coverage - Covers your car against:
- Theft
- Fire
- Storm and hail damage
- Glass breakage
- Animal collisions (e.g., deer)
Vollkasko
Comprehensive - Everything in Teilkasko PLUS:
- Accidents you cause
- Vandalism
- Hit-and-run damage
Recommended for new cars (0-3 years)
Which Coverage Do You Need?
| Car Age | Recommended Coverage |
|---|---|
| New (0-3 years) | Vollkasko |
| 4-8 years | Teilkasko |
| 8+ years | Haftpflicht only |
How Much Does Car Insurance Cost?
Average costs in Germany (2026)
Haftpflicht only
30-80 Euro
per month
+ Teilkasko
50-120 Euro
per month
+ Vollkasko
80-200 Euro
per month
Factors That Affect Your Price:
Key German Terms for Car Insurance
Understanding these terms will help you navigate the German insurance system
Important for Expats
If you're new to Germany, you'll start with a low no-claims class (SF 0 or SF 1/2), which means higher premiums initially. Good news: If you had insurance in your home country, ask for a claims history letter - some German insurers accept foreign no-claims years!
How to Get Car Insurance as an Expat
Gather Your Documents
- - Valid driver's license (German or EU, or international)
- - Vehicle registration (Fahrzeugschein)
- - Proof of address in Germany (Anmeldung)
- - Bank account for payments
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Use our comparison tool below to find the best rates from top German insurers.
Apply Online
- - Fill out the application
- - Receive your eVB number (electronic insurance confirmation)
- - Use eVB to register your car
Register Your Car
Take your eVB number to the Zulassungsstelle (vehicle registration office).
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Tips for Getting Cheaper Insurance
Transfer Your No-Claims Bonus
Request a claims history letter from your previous insurer. Some German insurers accept foreign no-claims years!
Choose a Higher Deductible
A 300 Euro or 500 Euro deductible (Selbstbeteiligung) can significantly reduce your premium.
Limit Your Drivers
Only insuring yourself (not family members) reduces costs.
Pay Annually
Paying once per year is cheaper than monthly payments.
Consider a Garage
If you park in a garage, mention it - it can lower your premium.
Compare Every Year
Prices change annually. November is the best time to switch insurers in Germany.
Frequently Asked Questions
Common questions about car insurance in Germany for expats
Do I need car insurance in Germany?
Yes, car insurance is mandatory in Germany. You must have at least Kfz-Haftpflichtversicherung (third-party liability insurance) to drive legally. Driving without insurance can result in fines up to 180 Euro, points on your license, and vehicle seizure.
What types of car insurance are available in Germany?
There are three types: Haftpflicht (mandatory third-party liability), Teilkasko (partial coverage for theft, fire, storm damage, glass breakage), and Vollkasko (comprehensive coverage including accidents you cause and vandalism).
How much does car insurance cost in Germany?
Costs vary based on coverage type: Haftpflicht only costs approximately 30-80 Euro/month, Teilkasko 50-120 Euro/month, and Vollkasko 80-200 Euro/month. Factors affecting price include age, driving experience, location, car type, and no-claims bonus (SF-Klasse).
Can I transfer my no-claims bonus from another country?
Some German insurers accept foreign no-claims history. Request a claims history letter from your previous insurer. This can significantly reduce your premiums as new arrivals typically start at SF 0 or SF 1/2 class.
What is an eVB number?
The eVB (elektronische Versicherungsbestaetigung) is a 7-character code that proves you have insurance. You need this code to register your car at the Zulassungsstelle (vehicle registration office).
Can I get car insurance without Anmeldung?
Generally no. You need a registered address in Germany (Anmeldung) to get car insurance here. The insurance company requires proof of your German residence.
We work with partners including CHECK24 and Tarifcheck. This comparison is free and non-binding. Last updated: January 2026. This is not legal or financial advice.
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