Cheapest Car Insurance Germany 2026
Find the cheapest car insurance rates from 50+ insurance providers and save up to €850 annually. Liability, comprehensive & partial coverage - instant online quotes.
At a Glance
Last updated: January 2026Key Facts
- - Liability insurance is legally required in Germany
- - 3 coverage types: Liability, Partial, Comprehensive
- - SF class determines your premium discount
- - Cancel by November 30 for following year switch
Benefits
- - Save up to 850 EUR annually by switching
- - Compare 50+ providers instantly
- - Get quotes in just 2 minutes
- - Free and non-binding comparison
Free Car Insurance Comparison
Enter your vehicle details and receive instant tailored quotes from Germany's leading insurers.
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Why Compare Car Insurance with CheckAlle.de?
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
HUK-COBURG
Germany's largest car insurer
- Cheapest premiums on market
- Strong digital platform
- Fast claims processing
Allianz
Premium insurance with full protection
- Excellent customer service
- Worldwide coverage
- Premium additional services
AXA
Innovative insurer with flexible tariffs
- 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
From €85 per year
Minimum protection for all vehicles
Partial Coverage
Extended protection
From €125 per year
Ideal for older vehicles
Comprehensive
Complete protection for your vehicle
From €195 per year
Recommended for new cars
Money-Saving Tips for Car Insurance
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
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
Frequently Asked Questions - Car Insurance
Everything you need to know about car insurance in Germany
Privacy & Security
Privacy & Security
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