Driving Insurance
Comparison Germany
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Driving Insurance in Germany
In Germany, driving insurance is called KFZ-Versicherung. At minimum, you need liability coverage (Haftpflicht) which is mandatory by law. You cannot drive or register a car without it.
đź’ˇ Tip for International Drivers
Your driving history matters! If you've been driving accident-free in another country, ask insurers about transferring your no-claims bonus. This can significantly reduce your premium.
What Can You Compare?
Vehicle Types
- Cars (PKW)
- Motorcycles (Motorräder)
- Electric vehicles (E-Autos)
- Campers & RVs (Wohnmobile)
Coverage Levels
- Liability (Haftpflicht) – mandatory
- Partial coverage (Teilkasko)
- Full coverage (Vollkasko)
- Add-ons & extras
Factors That Affect Your Premium
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Common Questions
What is the difference between driving insurance and car insurance?
In practice, they're the same thing! 'Driving insurance' and 'car insurance' both refer to motor vehicle insurance (KFZ-Versicherung) in Germany. The mandatory component is third-party liability insurance (Haftpflicht), and you can optionally add partial (Teilkasko) or full coverage (Vollkasko).
Do I need insurance before I can drive in Germany?
Yes! You must have at least liability insurance (Haftpflicht) before you can drive any vehicle in Germany. In fact, you need proof of insurance (eVB number) just to register a car. Driving without insurance is a criminal offense.
Can expats get driving insurance in Germany?
Absolutely! Non-German citizens can get car insurance in Germany. You'll need a German address for the policy. Your driving history from your home country may be considered – some insurers accept proof of claims-free years to give you a better rate.
How do I switch driving insurance providers?
You can switch at your policy's annual renewal date (usually end of year) by giving notice by November 30th. You can also switch after a premium increase or claim. The new insurer often handles the cancellation for you (KĂĽndigungsservice).
What affects how much I pay?
Key factors include: your vehicle's type class (Typklasse), where you live (Regionalklasse), your no-claims history (SF-Klasse), annual mileage, whether the car is parked in a garage, your age, and any additional drivers on the policy.
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