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Car Insurance in Germany 2026Compare Rates in English
Compare car insurance in Germany in English, no German required. Whether you call it motor insurance, auto insurance, or KFZ-Versicherung, it is mandatory for every car here. Compare Haftpflicht, Teilkasko, and Vollkasko rates and find the right policy.
Compare Car Insurance in Germany
Last updated: March 2026
Enter your car details below. The comparison is free, takes about 2 minutes, and shows you real offers. Need financing for your car purchase? We can help with that too.
The 3 Types of Car Insurance in Germany
Every car in Germany needs at least third-party liability (Haftpflicht). Teilkasko adds partial coverage, Vollkasko gives you fully comprehensive insurance. Here is how they compare.
Haftpflicht
Liability - MANDATORY
Covers damage you cause to other people, vehicles, and property. Required by law for every registered car.
- Third-party damage covered
- Personal injury to others
- Required for EVB number
Teilkasko
Partial Coverage - Optional
Adds protection for your own car against theft, fire, weather, glass damage, and animal collisions.
- Theft and break-in
- Storm, hail, flooding
- Good for cars worth 3k-15k EUR
Vollkasko
Comprehensive - Optional
Everything from Teilkasko plus self-caused accidents, vandalism, and hit-and-run damage.
- All Teilkasko benefits included
- Self-caused accident damage
- Best for new or leased cars
Car Insurance for Foreigners and Expats in Germany
Good news: your nationality does not matter. Anyone registering a car in Germany can get insured. The tricky part is the SF class (Schadenfreiheitsklasse), Germany's no-claims bonus system. Without proof of previous insurance history, you start at SF 0, which means you pay the full base premium. Each claim-free year moves you up one class, lowering your rate.
Transferring Your No-Claims Bonus
- EU/EEA: Good chances of full or partial SF transfer
- Non-EU: Varies widely. Some insurers give partial bonuses
- Bring a claims-free letter from your old insurer (English or German)
Documents You Need
- ID or passport
- Fahrzeugschein (vehicle registration)
- German IBAN (open a free account if you do not have one yet)
- Driving license (EU valid indefinitely, non-EU valid 6 months)
Looking to get a loan without German credit history? Or need a free credit card for everyday payments? We have comparison tools for those too.
New to Germany? Health insurance in English is another essential step when you first arrive.
What Affects Your Car Insurance Price
SF Class
Most important factor. Claim-free years lower your rate.
Where You Live
Rural areas are cheaper. Cities have more accidents and theft.
Car Type
Each model has a Typklasse based on accident and theft stats.
Annual Mileage
Fewer km per year = lower risk = lower premium.
Deductible
Higher Selbstbeteiligung = lower premium. Common: 150-500 EUR.
Driver Circle
Restricting who drives the car lowers the price.
Garage Parking
Cars in a garage or carport get lower rates.
Payment Frequency
Paying annually saves 3-5% compared to monthly.
SF Class Discount Overview
| SF Class | Claim-Free Years | You Pay (% of Base) |
|---|---|---|
| SF 0 | 0 | ~100% |
| SF 1 | 1 | ~85% |
| SF 3 | 3 | ~65% |
| SF 5 | 5 | ~52% |
| SF 10 | 10 | ~39% |
| SF 20 | 20 | ~28% |
| SF 35+ | 35+ | ~22% |
The EVB Number: Your Insurance Proof
The EVB number (elektronische Versicherungsbestaetigung) is a 7-character code that proves you have car insurance. Without it, the Zulassungsstelle will not register your car.
What Is It?
A digital insurance confirmation. Replaces the old paper cards. Sent by SMS or email within minutes.
How to Get It?
Compare above, sign up for liability at minimum, get your EVB instantly.
How Long Valid?
Typically 3-6 months. If it expires before registration, request a new one for free.
Need your EVB number fast? Get your EVB number quickly.
How to Switch Your Car Insurance
Key deadline: November 30. Most car insurance contracts run January to December. Your cancellation must reach your current insurer by November 30 at the latest.
Compare by November
Use our comparison tool to find a better rate. Start in October or early November.
Cancel by Nov 30
Send written cancellation to your old insurer. Many new insurers handle this for you.
New Policy Starts Jan 1
Your new coverage begins automatically. Your SF class transfers to the new insurer.
Special cancellation rights: You can switch outside the regular deadline if your insurer raises your premium, after a claim is settled, or when you buy or sell a vehicle. In those cases, you have one month to cancel from the date you get the notification.
8 Tips to Save on Car Insurance
Compare every year
Rates change annually. A 5-minute comparison can save you hundreds.
Transfer your bonus
Bring proof from abroad, or take over a family member's SF class.
Pay annually
Yearly payment saves 3-5% compared to monthly installments.
Higher deductible
Choosing 300-500 EUR deductible can lower your premium noticeably.
Restrict driver circle
Only register the people who actually drive the car.
Declare your garage
Garage or carport parking lowers your risk class and premium.
Accurate mileage
Report your real annual km. Under 10,000 km/year gets better rates.
Werkstattbindung
Agreeing to use insurer-approved workshops can save up to 15%.
Already looking into the cheapest car insurance options in Germany? That guide goes deeper into savings strategies.
Car Insurance Prices in Germany: 2025-2026 Trends
In 2025, car insurance premiums in Germany went up significantly. Haftpflicht rose by about 8%, Vollkasko by about 12%. Repair costs and spare parts are the main drivers.
This makes comparing even more important. The gap between the cheapest and most expensive insurer for the same car and driver can be several hundred euros per year.
Car Insurance Germany: Common Questions
Compare car insurance and save
Prices went up in 2025. If you have not compared recently, you might be paying more than you need to. Our comparison is free, in English, and takes about 2 minutes, showing you real offers from German insurers.