Vehicle Insurance
Germany
Everything you need to know about vehicle insurance in Germany. From mandatory coverage to optional add-ons – we explain it all.
Liability (mandatory) • Partial coverage • Comprehensive • Compare prices
⚠️ Vehicle Insurance is Mandatory in Germany
You cannot legally drive or register any vehicle in Germany without at least third-party liability insurance (Haftpflichtversicherung). Driving uninsured is a criminal offense.
đź’ˇ Key Term: KFZ-Versicherung
KFZ stands for "Kraftfahrzeug" (motor vehicle). So KFZ-Versicherung means vehicle/motor insurance. This term covers cars, motorcycles, trucks, and other motor vehicles.
Types of Vehicle Insurance in Germany
Haftpflichtversicherung
Third-Party Liability
Mandatory by law. Covers damage you cause to other people, vehicles, and property.
Teilkaskoversicherung
Partial Coverage
Protects your own vehicle against events outside your control.
Vollkaskoversicherung
Comprehensive Coverage
Maximum protection including self-caused accidents.
Quick Decision Guide
Old cars (10+ years), low value, budget priority
Mid-age cars (4-10 years), moderate value
New cars, high value, leased/financed vehicles
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Vehicle Insurance Questions
What vehicles need insurance in Germany?
All motorized vehicles used on public roads need at least liability insurance: cars, motorcycles, mopeds, trucks, buses, campers, and even e-scooters (above certain speeds). Bicycles and unpowered vehicles don't require insurance.
How do I get an eVB number for vehicle registration?
When you sign up for any vehicle insurance, you automatically receive an eVB-Nummer (7-character code). This proves you have insurance. You need it to register your vehicle at the Zulassungsstelle. Most insurers send it instantly by email or SMS.
Can I insure a car in Germany without German residency?
You typically need a German address to insure a car in Germany. If you're an EU citizen, some insurers may accept temporary registration. For non-EU residents, you usually need proper registration (Anmeldung) first.
When can I switch vehicle insurance?
Most contracts renew annually. You can switch by giving notice by November 30th for a January 1st change. You can also switch after premium increases, after a claim, or when buying/selling a vehicle.
Does my German insurance cover driving abroad?
Yes! German vehicle insurance covers you in all EU/EEA countries and Green Card countries. The coverage abroad matches the legal minimum requirements of that country. For non-Green Card countries, ask your insurer about additional coverage.
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