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Cheapest Car Insurance Germany 2025

Find the cheapest car insurance rates from 50+ insurance providers and save up to €850 annually. Liability, comprehensive & partial coverage - instant online quotes.

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Why Compare Car Insurance with CheckAlle.de?

Find the Cheapest Car Insurance

Discover the cheapest car insurance rates in Germany - save up to €850 annually with our comprehensive comparison

All coverage types

Liability, partial, and comprehensive coverage from all providers

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Germany's Leading Car Insurers

Compare the best providers by market share and customer satisfaction

Recommended

HUK-COBURG

Market Share
12.8%

Germany's largest car insurer

Members
13.2 Million
Founded
1933
4.2
Rating
Annual Premium
€85 - €450/year
Insurance Services
Liability
Partial Coverage
Comprehensive
Roadside Assistance
Key Strengths
  • Cheapest premiums on market
  • Strong digital platform
  • Fast claims processing

Allianz

Market Share
8.4%

Premium insurance with full protection

Members
9.1 Million
Founded
1890
4.3
Rating
Annual Premium
€95 - €650/year
Insurance Services
Liability
Partial Coverage
Comprehensive
Foreign Protection
Key Strengths
  • Excellent customer service
  • Worldwide coverage
  • Premium additional services

AXA

Market Share
5.2%

Innovative insurer with flexible tariffs

Members
5.8 Million
Founded
1817
4.1
Rating
Annual Premium
€88 - €520/year
Insurance Services
Liability
Partial Coverage
Comprehensive
Breakdown Service
Key Strengths
  • Fair price-performance ratio
  • Easy online processing
  • Flexible tariff options

Car Insurance Types Overview

Find the right insurance for your needs

Liability Insurance

Legally required

Damage to other vehicles
Personal injury to third parties
Property damage up to €1.22M
Legal protection in accidents

From €85 per year

Minimum protection for all vehicles

Partial Coverage

Extended protection

All liability benefits
Theft & break-in
Natural events & hail
Glass breakage & animal collision

From €125 per year

Ideal for older vehicles

Full Protection

Comprehensive

Complete protection for your vehicle

All partial coverage benefits
Self-caused accidents
Vandalism & malicious damage
Hit-and-run damage

From €195 per year

Recommended for new cars

Money-Saving Tips for Car Insurance

With these tips you can save up to €850 annually on your car insurance:

  • Annual payment: 3-5% savings compared to monthly payment
  • Higher deductible: €300-500 deductible can save up to 20%
  • Limit driver circle: Only register specific people as drivers
  • Low-mileage discount: Significant savings for under 10,000 km/year

Important Additional Services

Consider these services when selecting your car insurance:

  • Mallorca Policy: Protection for rental cars in EU abroad
  • GAP Coverage: Important for leasing/financing
  • New value compensation: Full purchase price in total loss
  • Roadside assistance: Breakdown service and towing

Car Insurance Guide Germany 2024

No-Claims Class (SF Class) - Your Path to Cheap Premiums

The no-claims class is the most important factor for your insurance premium. The longer you drive accident-free, the higher your SF class rises and the cheaper your insurance becomes.

SF 0: 100% of base premium (new drivers)
SF 3: 75% of base premium
SF 10: 45% of base premium
SF 20: 30% of base premium
SF 35: 15% of base premium (85% discount!)
SF 50: 10% of base premium (maximum level)

Understanding Regional and Type Classes

Regional Classes (1-12)

Germany is divided into regional classes based on accident frequency and damage amounts in your residential area.

  • Class 1-3: Rural areas with few accidents
  • Class 4-7: Smaller cities and suburbs
  • Class 8-12: Major cities like Berlin, Munich, Hamburg

Type Classes (10-34)

Each vehicle model is classified according to damage frequency and repair costs.

  • Class 10-16: Small city cars, low damage
  • Class 17-23: Mid-range vehicles
  • Class 24-34: Sports cars, luxury vehicles

Switching Car Insurance - How to Do It Right

Notice Periods

  • Regular cancellation: By November 30th effective December 31st
  • Special cancellation: After premium increase or claim
  • Vehicle change: Possible within one month

Switching Checklist

  • Request SF class from old insurer
  • Only sign new insurance after cancellation confirmation
  • Have insurance certificate and eVB number ready

Frequently Asked Questions - Car Insurance

Everything you need to know about car insurance in Germany

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