Car Insurance Quotes Germany 2026
To get a car insurance quote in Germany you enter your car and driver details into a comparison tool and it returns personalised prices from several insurers in minutes. This guide explains what the tool needs, why two quotes differ, how long a quote stays valid, and the eVB step you need before you can register the car.
Key Takeaways
- A quote is free and creates no obligation. You only pay the premium of the policy you actually choose.
- Have ready: the HSN/TSN key numbers (or make, model, year), postcode, annual mileage, and your SF-Klasse.
- No Schufa or credit check is involved in a car-insurance quote. Prices reflect driving and vehicle risk, not your credit.
- Two quotes for the same car can differ a lot. Always compare the same cover level and deductible.
- A quote is a snapshot (roughly 14 to 30 days). After you sign up, the insurer issues the eVB number you need to register the car.
meinetarife24 Editorial Team
Independent EditorialOur independent editorial team carefully reviews all information and regularly updates the content.
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 sign up, the insurer issues an eVB number (electronic insurance confirmation). Without it, the registration office (Zulassungsstelle) will not register your car.
What the Quote Tool Needs From You
The more accurate your input, the closer the quote is to your real premium. Have these details to hand before you start, and you can get personalised prices in a few minutes.
| Detail | Where to find it | Why it matters |
|---|---|---|
| HSN / TSN | Registration papers (Zulassungsbescheinigung), fields 2.1 and 2.2 | Identifies the exact model and its type class (Typklasse) |
| Postcode | Where the car is registered | Sets the region class (Regionalklasse); cities usually cost more |
| Annual mileage | Your own estimate | Less driving means a lower premium |
| SF-Klasse | Your previous insurer's confirmation | The biggest lever; accident-free years lower the price |
| Driver details | Birth date, licence date, who else drives | Young or newly-licensed drivers pay more |
| Cover level & deductible | Your choice in the tool | Haftpflicht, Teilkasko or Vollkasko, plus the Selbstbeteiligung |
New to Germany? Without German accident-free years you usually start in a low SF-class. See how it works in our SF-Klasse guide.
How to Get Your Quote in Four Steps
1. Enter your vehicle
Type in the HSN/TSN from the registration papers, or the make, model and year. No plate yet? Enter the model manually for an indicative quote.
2. Add driver and usage details
Birth date, licence date, postcode, annual mileage and your SF-Klasse. Accurate input keeps the quote close to your final premium.
3. Choose the cover level
Pick Haftpflicht only, Teilkasko or Vollkasko, and set the deductible. Compare the same level across providers, not two different ones.
4. Read the results side by side
You see personalised prices from several insurers. Match cover and deductible first, then weigh the price and the extras.
Why Two Quotes for the Same Car Differ
Every insurer calculates the premium individually, so a single profile can return very different numbers. These are the levers behind the gap, so you know what you are really comparing.
SF-Klasse weighting
Insurers reward accident-free years differently, so a high no-claims class can swing the price a lot.
Type and region class
The same model and postcode are scored by each insurer's own risk tables (Typklasse, Regionalklasse).
Cover level and deductible
Vollkasko with a low deductible costs far more than Teilkasko. Match these before judging the price.
Included extras
Mallorca cover, Rabattschutz or a workshop tie-in change the price. A cheaper line may simply include less.
Online vs. agent sales
Direct online tariffs often undercut agent-sold ones for the same cover, which is not weaker protection.
Mileage and driver circle
A lower mileage estimate or a single named driver lowers the quote; adding young drivers raises it.
Worth knowing: autumn is the busiest switching window, when insurers compete hardest. Finanztip reports savings of up to 50 percent when switching, which is a maximum-case example rather than a guarantee, so always compare your own figures.
Get Your Free Car Insurance Quotes
Enter your car details below to see personalised quotes from German insurers, side by side.
Free Insurance Quotes
All cover types, free to use, eVB included
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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.
Questions About Getting Quotes
Is it really free to get car insurance quotes in Germany?
Yes. Getting a quote costs nothing and creates no obligation. The comparison service is funded by a commission the insurer pays when a customer signs up, so you only ever pay the premium of the policy you actually choose, never a fee for getting quotes.
What information do I need to get a car insurance quote?
You need the HSN and TSN key numbers from your registration papers (Zulassungsbescheinigung) or the make, model and year of the car, the postcode where it is registered, your annual mileage, your no-claims class (SF-Klasse) if you have one, and the main driver details. The more accurate the input, the closer the quote is to your final premium.
Does getting a car insurance quote affect my Schufa score?
No. A car-insurance quote in Germany does not involve a Schufa credit check, so it has no effect on your credit score. Unlike a loan or some contracts, motor insurance is priced on driving and vehicle risk, not on creditworthiness.
Why do two quotes for the same car differ so much?
The premium is calculated individually from your SF-Klasse, the type class of the car (Typklasse), the registration region (Regionalklasse), your mileage and the cover level. Two insurers weigh these differently and run different risk models, so the same profile can return very different prices. Compare the same cover level and deductible to judge them fairly.
Can I get a quote without a German license plate?
Yes. If you are buying or importing a car, enter the make, model and year (or the HSN/TSN) manually instead of a plate number. This lets you get an indicative quote and budget the running cost before the car is registered.
How long is a car insurance quote valid?
An online quote is typically a snapshot valid for around 14 to 30 days, but the price can change with the inputs or with the tariff the insurer applies. Once you decide, signing up promptly secures the conditions and gets you the eVB number you need before you can register the car.
Sources & Methodology
We explain how the German online car-insurance quote works in plain English and cross-check every figure against independent, official sources. A quote is an individual snapshot, never a guaranteed price, because the insurer always calculates the premium from your own profile.
- § 1 & § 6 PflVG (Pflichtversicherungsgesetz): the duty to insure and why an eVB number is required before registration.
- GDV (Gesamtverband der Versicherer): the HSN/TSN, Typklasse and Regionalklasse rating system behind every quote.
- ADAC: the no-claims (SF-Klasse) system and how accident-free years move the price.
- Finanztip and Stiftung Warentest: independent benchmarks and switching-savings figures (max-case, not a promise).
- Live tariff data from our partners CHECK24 and Tarifcheck. We do not influence prices or rankings.
Related Guides
Car Insurance Germany Hub
The full KFZ-Versicherung overview for newcomers.
How to Compare & Switch
The factors that drive the price and the cancellation deadline.
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.
Quote Before You Buy
Budget a car's insurance before you purchase or import it.
Health Insurance
Compare health insurance for expats in Germany.
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