Car Liability Insurance
(KFZ Haftpflicht) Germany
KFZ Haftpflichtversicherung is the only car insurance required by German law. It covers damage you cause to others – not your own vehicle.
Third-party liability • Required for car registration • Covers injuries and property damage to others
⚠️ Liability Insurance is Mandatory!
You cannot register or drive a car in Germany without valid liability insurance. Driving uninsured is a criminal offense with serious consequences including fines and license suspension.
đź’ˇ Good News for Budget-Conscious Drivers
If you only need basic coverage, liability-only insurance is the cheapest option. It's suitable for older cars where the cost of comprehensive coverage exceeds the vehicle's value. You can always upgrade to Kasko later!
What Does KFZ Haftpflicht Cover?
Haftpflichtversicherung (liability insurance) protects you financially when you cause an accident. It pays for damages to other people and their property – but not for damage to your own car.
What IS Covered
- Injuries to other people (passengers, pedestrians, other drivers)
- Damage to other vehicles
- Property damage (buildings, fences, street signs)
- Financial losses caused to third parties
- Legal defense costs if you're sued
What is NOT Covered
- Damage to your own vehicle
- Your own injuries (covered by health insurance)
- Theft of your car
- Vandalism to your vehicle
- Weather damage (hail, flooding)
→ For these, you need Teilkasko or Vollkasko
Minimum Coverage Limits in Germany
Tip: Most insurers offer higher coverage limits (€50-100 million) at minimal extra cost. Higher limits are recommended!
When is Liability-Only Coverage Enough?
âś“ Haftpflicht-Only is Good For:
- Older cars (value under €3,000-5,000)
- Cars you could replace without financial hardship
- Budget-conscious drivers
- Second/backup vehicles rarely used
⚠️ Consider Kasko Coverage For:
- New or expensive cars
- Leased or financed vehicles (usually required)
- Areas with high theft rates
- Parking outdoors (hail, vandalism risk)
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KFZ Haftpflicht Comparison
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Common Questions About KFZ Haftpflicht
What you need to know about mandatory car liability insurance
How much does KFZ Haftpflicht cost?
Prices vary significantly based on your car, location, and driving history. Basic liability-only coverage can start from €30-50 per year for older, low-powered vehicles. Average costs range from €150-400 annually. New drivers or those without German driving history may pay more initially.
What happens if I drive without Haftpflicht?
Driving without valid liability insurance is a criminal offense in Germany. Consequences include: fines starting at €40 (can be much higher), points in Flensburg, possible license suspension, and personal liability for ALL damages. If you cause an accident, you're responsible for potentially millions in damages.
Can I get Haftpflicht without Kasko coverage?
Yes! You can choose liability-only coverage (Haftpflicht pur). This is the minimum legal requirement. Many drivers of older vehicles choose this option to save money. You can always add Teilkasko or Vollkasko later if your situation changes.
Does Haftpflicht cover me when driving abroad?
Yes! German car liability insurance is valid throughout the EU/EEA and all Green Card countries. The minimum coverage abroad matches the legal requirements of the country you're visiting. For trips outside Europe, check with your insurer about additional coverage.
What's the difference between Haftpflicht and Kasko?
Haftpflicht covers damage you cause to OTHERS. Kasko covers damage to YOUR OWN car. Teilkasko covers theft, fire, glass, and natural disasters. Vollkasko adds self-caused accidents and vandalism. Only Haftpflicht is legally required.
How do I get an eVB number for car registration?
When you sign up for any car insurance (even just Haftpflicht), you'll automatically receive an eVB-Nummer (7-character code). This confirms your insurance to the registration office. Most insurers send it instantly by email or SMS.
Related Insurance Guides
Full Car Insurance Guide
Complete overview of all car insurance types in Germany – Haftpflicht, Teilkasko, Vollkasko.
Types of Coverage Explained
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Quick eVB Number Guide
Need an eVB number fast? Get your electronic insurance confirmation in minutes.
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