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Car Insurance Comparison Germany

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Compare liability, partial and comprehensive coverage from numerous providers. Find the right tariff for your vehicle in just a few minutes.

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Find the Right Car Insurance

Enter your vehicle details and compare available tariffs directly. The process takes just a few minutes.

Three Types of Car Insurance in Germany

Germany has three types of car insurance. Liability is legally required, while partial and comprehensive coverage are optional.

Liability Insurance

Legally Required

Covers damage you cause to others with your vehicle. No car can participate in road traffic without valid liability insurance.

  • Personal injury to third parties
  • Damage to other vehicles
  • Property damage

Partial Coverage

Extended Protection

Protects your own vehicle against certain damages that are not caused by an accident.

  • Theft and break-in
  • Hail, storm, flooding
  • Glass breakage, animal collision

Comprehensive

Full Protection

Includes all partial coverage benefits plus protection for self-caused accidents and vandalism.

  • All partial coverage benefits
  • Self-caused accidents
  • Vandalism, hit-and-run

What to Consider When Comparing

Price isn't everything – pay attention to these important factors when choosing your car insurance.

No-Claims Class

The longer you drive without accidents, the cheaper your insurance becomes. Discounts up to 85% are possible with a high SF class.

Deductible

A higher deductible lowers your premium. Consider how much you can afford to pay yourself in case of damage.

Cancellation Deadlines

Regular cancellation must be submitted by November 30th. Special cancellation is possible after premium increases.

Type Class

Each vehicle model is classified into a type class. Sports cars and luxury vehicles are more expensive to insure.

Regional Class

Your place of residence affects the premium. In large cities, regional classes are often higher than in rural areas.

Additional Services

Roadside assistance, rental car coverage, foreign protection – check which extras make sense for you.

Frequently Asked Questions

Is car insurance mandatory in Germany?
Yes, liability insurance is legally required in Germany. No vehicle may participate in road traffic without valid insurance. Partial and comprehensive coverage are voluntary.
When can I switch my car insurance?
Regular cancellation must be submitted by November 30th for the switch to take effect on January 1st. In case of premium increases or after a claim, you have special cancellation rights.
What is the no-claims class (SF class)?
The SF class reflects your accident-free years. The higher the class, the cheaper the premium. New drivers typically start at SF 0 or SF ½. With each accident-free year, the class increases.
Who should get comprehensive coverage?
Comprehensive coverage is recommended especially for new cars, leased or financed vehicles, and high-value used cars. As a rule of thumb: if the vehicle value is over €4,000-5,000, comprehensive coverage is often worthwhile.
What happens if I have an accident abroad?
Within the EU and countries with a green insurance card, you are automatically covered. In case of an accident, you should contact the police and fill out an accident report.

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