Kfz-Versicherung in Deutschland 2024

Car insurance in Germany is one of the mandatory laws required by the state for people on its territory. Vehicle liability insurance is required by law in Germany when using a car on public roads. Because he pays for the damage you cause to others with your car. Comprehensive insurance covers all self-inflicted damage and the consequences of vandalism.

Germany is also considered one of the European countries that provides car drivers with many guarantees, as they are obligated to insure their cars. Of course, there is more than one type of insurance, and this varies according to the age and type of car, and insurance conditions vary from one company to another.


“Germany Arab” takes you on a tour to ensure your personal safety and learn more details. Read also: Insurance in Germany, additional insurance in Germany.

table of contents

Is car insurance required in Germany?

What types of car insurance are there in Germany?

Compulsory insurance 

Partial insurance

Full insurance

How do you decide which types of car insurance you should get in Germany?

Discounts on car insurance in Germany

How much does car insurance cost in Germany?

How is car insurance calculated in Germany?

Types of car insurance contracts in Germany

Car insurance premiums in Germany

What is the cheapest car insurance in Germany?

What are the best car insurance companies in Germany?

How do I choose car insurance in Germany?

How do I apply for car insurance in Germany?

How to pay the cheapest car insurance in Germany?

Choose a car insurance discount

Choose your annual vehicle insurance premium in Germany

Evaluate your annual mileage realistically

Transfer your existing ticket

Stay accident free

Accept the workshop commitment

Taxes are deductible on car insurance in Germany

Compare the cheapest car insurance in Germany every year

How do I file a car insurance claim in Germany?

How to cancel your car insurance contract in Germany or change your car insurance in Germany

File a complaint regarding car insurance in Germany

Roadside assistance in Germany

What is the best car insurance in Germany?

Is car insurance required in Germany?

yes it is! Anyone who legally owns a car must obtain vehicle liability insurance. In fact, you need car liability insurance to register your car.

According to the law, these are the minimum coverage amounts for your car liability insurance:

Up to 7.5 million euros in compensation for personal damages;

Up to €1.12 million in property damage;

Financial loss of up to 50,000 euros.

Do not confuse this insurance with your liability insurance. Ideally, you have both.

What types of car insurance are there in Germany?

Types of vehicle insurance in Germany

Types of vehicle insurance in Germany

The most popular insurance policies in Germany include car insurance (64%), home contents insurance (59%), legal protection (41%), and accident insurance (39%).  There are three main types of car insurance in Germany:

Compulsory insurance “Motor Vehicle Liability Insurance”;

Partial comprehensive insurance;

Fully comprehensive insurance.

In 2021, there were more than 92 insurance companies in Germany offering vehicle insurance.  This means that the number of auto insurance policies has decreased by about 25 percent over the past 20 years.  To learn more about the types of car insurance in Germany in detail, read on.

What does insurance cover?  Liability insurance,  partial comprehensive  insurance , fully comprehensive insurance

Damage to others and vehicles  Career choice  Career choice 

Theft and break-in attempts.  Professional choice  . Professional choice

Fire, flood or other weather-related damage  Professional Choice  Professional Choice

Collision with animals  Vocational choice  Vocational choice

Broken or cracked windows  Professional Choice  Professional Choice

Replace car locks if car keys are lost or stolen.  Depends on the contract.  Depends on the contract

Gross negligence  depends on the contract  depends on the contract

The damage to your car in the event of an accident  is a professional choice

Sabotaging  career choice

Escaping the accident  is a career choice

Compulsory insurance 

Every citizen who drives a car in Germany is obliged to obtain vehicle liability insurance.  If you live in Germany, you will understand what we are telling you, because it is not entirely right to drive on the road without this insurance.  This insurance will also compensate you for any damage resulting from the accident.

Read also: Free questions about the German driver’s license in Arabic, driving license in Germany, German citizenship, permanent residency in Germany  

Like all liability insurance, your motor vehicle liability insurance also covers damage caused to third parties. This should include damage to other people as well as property. In simpler terms, this insurance pays for the damage you cause to others in an accident. Damage to your car or your health is not covered.

Since you are 100% responsible for any damage you cause to others in Germany, motor vehicle liability insurance is required by law. 20% of German cars only have motor vehicle liability insurance. These are mostly old cars of little value.

Partial insurance

This type of vehicle insurance in Germany (partial comprehensive insurance) guarantees that the driver covers part of the accident costs. Even if your car was exposed to natural damage and no accidents.

Partial insurance coverage includes motor vehicle liability and additionally covers damage caused to your vehicle by accidental natural events. As a rule, the following cases are insured:

fire or explosion;


Natural damage (storms above 8, hail, floods, lightning);

Damage to your vehicle's wiring due to a short circuit;

Broken glass (e.g. broken or cracked windshield);

Incidents and bites of wild animals from martens (similar to raccoons);

Some insurance policies also cover damage caused by snow or avalanches to roofs.

However, partial vehicle insurance in Germany does not cover vandalism.

Be sure to check your policies regarding marten bites and wildlife incidents. Your policy should not only cover marten bites, but also the resulting damage. In the event of accidents involving wild animals, your insurance should cover all animals. Let's assume that dogs and cows are not considered wild animals.

Full insurance

This type of car insurance in Germany, fully comprehensive insurance, guarantees that you will save all costs that arise in the event of an accident involving the driver. Fully comprehensive insurance also guarantees that the costs for the other party in the accident (who is also affected by the accident) will be covered.

Even if your car is new, comprehensive insurance is the ideal option for you because it includes:

All vehicle repair costs;

Personal injuries caused by the accident.

In addition, comprehensive vehicle insurance in Germany is an optional insurance policy that includes all partially comprehensive insurance benefits (e.g. theft, natural hazards, animal bites, collisions, broken glass and fire). In addition, damage to the vehicle caused by accidents and self-sabotage is insured.

Also Read: Electric Cars in Germany: Your Comprehensive Guide to the Latest Types and Cheapest Prices, A Comprehensive Guide to Car Rental in Germany, Car Auction in Germany.

How do you decide which types of car insurance you should take out in Germany?

Whether you only take out liability insurance or add partial comprehensive insurance or fully comprehensive comprehensive insurance depends on the value of your car and your living circumstances.

Ask yourself the following questions: How much is your car worth? If it is completely destroyed by a hit-and-run within the next year, can you replace it with an equivalent car? If the answer is no, you should opt for comprehensive insurance.

Discounts from car insurance in Germany

Discounts from car insurance in Germany

Discounts from car insurance in Germany

After we have taken out car insurance for you in Germany, we will discuss with you the discounts offered by the insurance companies. This varies from company to company. The longer you drive without an accident, the higher the no-claims category (SF category). A percentage is assigned for each category.

This is also the portion of the basic premium that those already insured pay. Depending on the system, this percentage is between 20 and 245 percent. It's best to find out about all the benefits before taking out an insurance contract.

How much does car insurance cost in Germany?

According to the General Association of the German Insurance Industry (GDV), the average annual motor vehicle insurance premium in Germany in 2020 costs around 258 euros for liability, plus 329 euros for fully comprehensive additional insurance or 85 euros for partially comprehensive additional insurance.

These numbers can give you an idea; But the factors that determine the cost of car insurance in Germany are just as varied and complex as the rules of the German language.


How do you calculate car insurance in Germany?

To calculate car insurance in Germany, several factors must be present so that the calculation can be carried out by car insurance companies in Germany:

type and size of vehicle;

The service quality, size and reputation of the company;

engine size, displacement and power;

number of drivers for the car;

The expected number of kilometers per year and there is a minimum number of kilometers traveled;

age of driving license;

age and place of residence of the insured person;

model and year of manufacture;

The accident rate of the insured person;

Type of fuel used.

We come to the conclusion that the larger the benefit, the higher the insurance costs. However, cars with more horsepower are often rated higher, but this cannot be used as a rule of thumb here.

Types of car insurance contracts in Germany

In most cases, contracts concluded over the Internet are the cheapest. However, the safest place to go is the official websites of companies. In addition, if you are dishonest in your information, you will have to pay the costs of the accident and will not receive any money from the insurance company.

In this case, you can also communicate about car insurance in Germany by telephone or email. Also read: Insurance in the event of a traffic accident in Germany...with steps: What to do?!

Car insurance premiums in Germany

In Germany there is a no-claims class that rewards drivers who have used the car for a year or more without claiming a discount on their annual premium. The exact discount may vary depending on the car insurance company in Germany, but as a rough guide you are entitled to:

Up to 35% discount on annual fees if no claim is made within one year;

Approximately 45% discount for 3 years with no claims;

Approximately 50% discount if no claim is made for 5 years;

Up to 80% discount if no complaint is made by the age of 15;

Transferring claims deadlines from other German motor vehicle insurance companies, including foreign companies, is generally not possible. If you are moving to Germany from abroad and would like to transfer your franchise premium, we recommend that you request a letter from your previous insurance company confirming the discount period.

Companies often penalize drivers with poor driving performance. Expect to pay additional premiums if you:

Young or inexperienced drivers;

They had an accident and were at fault;

You have violations of your driving license, e.g. E.g. driving too fast or under the influence of alcohol.

Which is the cheapest car insurance in Germany?

Car insurance in Germany costs up to 1,000 euros a year for new drivers, or a little more in special cases. New drivers pay the highest premiums compared to other drivers. If you are looking for affordable, flexible car insurance that you can pay and cancel monthly, R+V24 is for you.

In addition, DA Direkt (Deutsche Allgemeine Versicherung AG) is the cheapest car insurance in Germany.

Which are the best car insurance companies in Germany?

Since there are more than 90 car insurance companies in Germany, it is worth finding the best offer. The most popular companies include:

axa ؛

AvD ؛

bayerndirekt ;


R + V24 Ø

You can also compare insurance policies from German companies via comparison sites such as Verivox or Joonko.

How do I choose car insurance in Germany?

Aside from the cost of premiums, there are many different factors you can consider when purchasing car insurance in Germany:

No Claims Bonus – What discounts are offered and what are the policies for transferring bonuses elsewhere?

Insurance cover – What does standard cover not cover, can it be added if required and how much does it cost?

Deductible/Deductible Options – What is a mandatory deductible and what are the options for increasing it?

Company reputation – How does the company perform in reviews and what do customer reviews and ratings look like?

The claims process – how clear is it, what does it involve and what do the comments say about how it works in practice?

Roadside Assistance – Does the company have a good roadside assistance policy?

How do I apply for car insurance in Germany?

How to apply for car insurance in Germany

How to apply for car insurance in Germany

To take out car insurance in Germany, you must present the following:

Your German driving license number;

passport or ID card;

Your other personal information related to your driving history;

Details of your bank account in Germany when paying by direct debit;

Documents related to the purchase of the vehicle that some insurance companies may require;

Most insurance companies allow you to take out insurance online. In this case, you should receive your insurance information electronically within 24 hours.

You should also consider the following when taking out car insurance:

Insurance number eVB Electronic insurance confirmation Electronic insurance confirmation and insurance information;

Sample EU accident certificate for use in the event of an accident.

How do you pay for the cheapest car insurance in Germany?

The following tips can help you save money on your car insurance.

Choose a car insurance discount

As with any insurance policy, the higher the deductible, the lower the cost of the policy. Since damage to cars tends to be more expensive, Stiftung Warentest recommends a discount of 150 euros for partial insurance and 300 euros for fully comprehensive insurance in order to reduce the costs of your vehicle insurance.

Choose the annual vehicle insurance premium in Germany

If you pay your car insurance once a year, you'll end up paying less than if you pay monthly or quarterly. In addition, not all providers offer monthly payments.

Assess your annual mileage realistically

The more kilometers you drive per year, the greater the risk of an accident. The more kilometers you invest in the registration process, the more expensive your insurance policy will be.

If you're not entirely sure what the next year will bring and where your new journey will take you, don't worry. Give as realistic an estimate as possible and then keep an eye on the mileage. Compare the numbers after six months. If you have underestimated or overestimated your mileage, simply contact your German car insurance company.

If you drive more, you have to pay more. If you drive less, your policy will be reduced for the next year and if you're really lucky, you might get some money back for the year you've already paid for.

Transfer your current ticket

Depending on your home country, many car insurance companies in Germany accept your current driving record. If you drive accident-free for several years, you can significantly reduce the cost of your car insurance. To apply for it, ask your previous insurance company for an official summary of your good driving history and hand it over to your new German car insurance company.

Stay accident-free

For every year in which you remain accident-free and do not make use of your German car insurance, you will receive a no-claims bonus. However, if you cause an accident or your insurance covers repairing the vandalism, your annual premium will increase the following year. This is determined by the no-claims class; The higher the amount, the more bonus will be deducted from your insurance contract.

In your insurance documents you will find a table with different no-claims classes for your insurance.

Below is a general overview to help you better understand.

No claim for years  No damage category  discount

2 years  SF2  15%

3 years  SF3  30%

4 years  SF4  40%

From 5 – 8 years  SF5 – SF8  45 – 50%

9 - 15 years  SF9 – SF15  55 – 60%

16 - 25 years  SF16 – SF25  65 – 70%

26+ years  SF26 and above  75 – 80%

Accept the workshop obligation

If you take out a contract with a workshop commitment, you can save around 10% on your premium. Workshop commitment means that you must have your car repaired in a workshop approved by your German car insurance company. If you live in an urban area, you shouldn't have any disadvantages. In a rural area, you should definitely check the distance to the nearest partner workshop.

Car insurance in Germany is tax deducted

If you are an employee, you can deduct parts of your car insurance from your taxes. If you are self-employed, you can deduct the full amount of your car insurance on your tax return. However, this is only possible if you have your own car and car insurance.


Compare the cheapest car insurance in Germany every year

It is advisable to compare your current insurance with other policies every year using comparison tools such as Tarifcheck. Many German car insurance policies usually renew automatically, usually on January 1st. You normally have a one month notice period, so November 30th is the last chance to cancel your current car insurance. Changing your car insurance policy has no impact on your no-claims class.

However, some car insurance policies in Germany also have a term of one year from the date of purchase. Since most German contracts can be changed in November, this month is known as car insurance month and you will find numerous special offers and advertisements on the streets.

How do I file a car insurance claim in Germany?

If you need to make a claim with an insurance company, you should contact them as soon as possible. Accident claims must be made within two weeks of the accident. He should:

exchange details with one or more other parties involved in the incident;

Take a few photos of any damage;

Ask for the contact details of any witnesses to the accident.

Fill out the accident report form and send it to your insurance company;

Only call the police if the accident resulted in serious injury or the other party is not present (e.g., if you hit a parked car or other property, causing serious damage);

If someone is seriously injured and needs hospital treatment, call the ambulance number;

You will need to send the relevant information to your German car insurance company and they will advise you if you need to provide any additional information. Claims must be resolved within 3 months. Insurers usually negotiate the costs directly with the respective company, for example a car repair shop.

If you need to file a claim with a third-party insurer and they do not provide you with insurance information, you can find it by dropping off the license plate number at the vehicle insurer's headquarters. This center can also provide you with the necessary information to insurance agents in other EU member states in the event of an accident in another EU country.

How to cancel a car insurance contract in Germany or change your car insurance in Germany

How to cancel a car insurance contract in Germany

How to cancel a car insurance contract in Germany

Please note that many German car insurance contracts are automatically extended. If you want to cancel your contract or switch to another provider, you usually need at least one month's notice. In exceptional cases, you can also terminate the insurance contract early. These include:

Increase premiums. Insurance companies are required to announce premium increases at least one month in advance. Most contracts in Germany start on January 1st, so you must be informed of the price increase by November 30th.

If you are unhappy with the way your insurance company is handling your claim. You must provide details in writing. If the insurance company disputes this, you may need to go through a formal complaint process.

Sell ​​cars. The car buyer automatically accepts the existing policy, but has the right to cancel, provided he can confirm the insurance has been taken out with another insurance company.

File a complaint regarding car insurance in Germany

According to the Compulsory Insurance Act (Section 5 Paragraph 2), German motor vehicle insurers are obliged to accept applications for motor vehicle insurance. However, they may refuse to provide a policy in certain circumstances, for example if the applicant has previously taken out a policy with them and is in breach of the terms of the contract.

If you feel that you have been treated unfairly by a German car insurance company or are not satisfied with the service provided, you can lodge a formal complaint. The program for this is:

First, write to the insurance company's complaints department.

If you do not receive an answer or are not satisfied with the result, you can submit your complaint to BaFin. Information can be found here.

You can also lodge a complaint with the Insurance Ombudsman for a free, independent out-of-court resolution.

If you are still not satisfied with the court result, you can take the case to court. However, this means that you will have to bear the costs of filing a lawsuit against your car insurance company in Germany.

Roadside assistance in Germany

The two largest car clubs in Germany that provide breakdown and recovery services at a national level are:

ADAC (General German Automobile Club)

AvD (Automobile Club of Germany).

ADAC's basic membership costs around €54 per year, and more expensive premium membership offers are also available. You can also call for help for free on German motorways using roadside emergency call boxes.

In addition, if you are involved in an accident, call the police number 110 or call 112 to call an ambulance. Also, do not forget that it is illegal to leave the scene of an accident and the scene of an accident without assistance.

What is the best car insurance in Germany?

In its car insurance test in Germany, the famous analysis firm Franke and Bornberg gave Allianz, Basler, Generali and Württembergische, among others, the highest rating for 2021.

The largest insurers and direct insurers in Germany also include Allianz Versicherungen, ADAC, HUK-Coburg, R+V Versicherungen, ERGO Versicherungen, Landesversicherungen and DEVK Versicherungen.   Allianz is the largest car insurance company in Germany.   More information about ADAC insurance can be found here.

There are many car insurance companies in Germany and many individual factors play a major role. Therefore, we cannot give you the top five comparisons. The best way to find car insurance that suits your needs is to use a comparison tool like Tarifcheck, which provides a 100% digital and transparent calculator of car insurance rates in Germany.

Finally, dear reader. The data you need to obtain car insurance in Germany is a passport with confirmation of current registration and electronic insurance confirmation (eVB number) for the car insurance. As well as the confirmation of registration, part two (formerly known as the vehicle registration document).

Follow the news of refugees in Germany, as well as the most important and latest news from Germany and the world on your Arabic website Germany Dr.

محمود هلال
بواسطة : محمود هلال
مرحبا عزيزي القاري هذه نبذه تعريفية عني محمود هلال من مصر عمري 33 عام تخرجت من كلية الشريعة والقانون وقمت بدراسة العديد من الكورسات في مجال تقنية المعلومات لدي شغف كبير في البحث وكتابة المحتوي العربي الإبداعي بإسلوب بسيط يسهل علي القارئ فهمه والوصول إلي المعلومات التي يبحث عنها بسهولة