Car Insurance Germany: Complete 2025 Guide
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Third Party (Haftpflicht)
€350-400/year
Mandatory minimum coverage
Partial Coverage (Teilkasko)
€500-800/year
Theft, fire, glass damage
Full Coverage (Vollkasko)
€600-1200/year
Complete protection
Average Savings
€200-400/year
By comparing quotes
Types of Car Insurance in Germany
🛡️ Third Party Liability (Haftpflichtversicherung)
- ✓ Legally required for all vehicles
- ✓ Covers damage to other people and property
- ✓ Minimum €7.5 million coverage for personal injury
- ✓ Does NOT cover your own vehicle
🔧 Partial Comprehensive (Teilkasko)
- ✓ Covers theft and break-ins
- ✓ Fire and explosion damage
- ✓ Glass breakage and storm damage
- ✓ Animal collisions (deer, wild boar)
💎 Full Comprehensive (Vollkasko)
- ✓ Everything in Teilkasko PLUS
- ✓ Your own fault accidents
- ✓ Vandalism damage
- ✓ Best for new or expensive cars
What Affects Your Premium?
Vehicle Type
Model, age, engine power
Driver Age
Under 25 pays more
Location
Cities cost 20% more
No-Claims Bonus
Up to 30% discount
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Frequently Asked Questions
Is car insurance mandatory in Germany?
Yes, car insurance is legally mandatory. Every vehicle must have at least third party liability insurance (Haftpflichtversicherung) to be registered and driven legally.
How much does car insurance cost in Germany?
Average costs: Third party €350-400/year, Partial comprehensive €500-800/year, Full comprehensive €600-1200/year. Actual prices depend on your specific situation.
Can expats get car insurance easily?
Yes, most insurers accept expats. Initial premiums may be higher, but using comparison tools helps find expat-friendly policies with better rates.
When can I switch my car insurance?
Usually once a year at contract end (often December 31st). Cancellation deadline is typically November 30th. Special cancellation rights apply if premiums increase.
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