🏆 EXCLUSIVE Portal: Compare car insurance quotes and save up to €400 per year. 2M+ customers trust our comparison.
Comparison tool loading...
Advertisement - This service is funded by our partner companies. We receive a commission when you complete an application, at no additional cost to you.
No Claims Bonus (NCB): Your international driving record may be recognised by Germany insurers. Obtain an official letter from your previous insurer confirming your claim-free years. This can save you hundreds of euros per year and is essential for competitive quotes!
Small Car (Ford Fiesta, Vauxhall Corsa)
Third Party Fire & Theft, 5 years NCB
€300-500
per year
Medium Car (Ford Focus, VW Golf)
Comprehensive, 5 years NCB
€500-800
per year
Executive Car (BMW 3-Series, Audi A4)
Comprehensive with extras, 5 years NCB
€800-1,500
per year
Young Driver (17-25) - Small Car
Third Party Only, No NCB
€1,500-4,000
per year
Increase voluntary excess to €200-500 to reduce premiums by 15-25%. Balance savings vs out-of-pocket costs.
Park in garage, driveway or secure car park overnight for up to 15% discount. Install security devices for additional savings.
Add experienced drivers as named drivers or restrict to over-25s only for lower premiums.
Pay annually instead of monthly to avoid interest charges (typically 10-20% APR on monthly payments).
Check insurance group ratings (1-50) before buying. Lower groups = cheaper insurance. Avoid modified vehicles.
Compare 21 days before renewal. Loyalty rarely pays - switching can save €200-400 annually.
You can cancel anytime with 14 days notice during cooling-off period. After that, you can cancel at renewal or if premium increases significantly. You'll get a pro-rata refund minus admin fees.
Yes, it's illegal to drive without insurance in Germany. Get a quote and policy in place before collecting the car. Some insurers offer immediate cover, or you can get temporary insurance for test drives.
Driving without insurance carries serious penalties: €300 fixed penalty + 6 points, or unlimited fine + driving ban in court. Police can seize and crush your car. You're personally liable for all damage costs.
Allianz, AXA, HUK-COBURG, and DEVK often offer competitive rates. However, the cheapest varies by individual circumstances. Always compare multiple quotes to find your best deal.
Factors include: age, driving experience, location, car value/group, annual mileage, claims history, occupation, and credit score. Young drivers and high-risk locations pay significantly more.
Adding an experienced driver can reduce premiums, especially for young drivers. However, avoid 'fronting' (pretending someone else is the main driver) as this constitutes fraud.
Germany cars are classified into insurance groups 1-50, with Group 1 being the cheapest to insure and Group 50 the most expensive. German insurance companies determine these groups based on:
Small engines, low value, good security
Examples: Ford Ka, Volkswagen Up, Hyundai i10
Family cars, moderate performance
Examples: Ford Focus, VW Golf, Honda Civic
High performance, luxury, sports cars
Examples: BMW M3, Audi RS4, Porsche 911
In Germany, you must have continuous insurance for any registered vehicle, even if you're not using it. German authorities automatically check insurance status and can fine you €100 for any gap in cover.
Important: If you're not using your car, you must either maintain insurance or declare it SORN (Statutory Off Road Notification) to avoid penalties.