Affordable Car InsuranceFrom €35/Month - Save up to €850
Compare 300+ tariffs • Find affordable insurance • Get instant eVB number
Compare Car Insurance Now
Free • Non-binding • Instant eVB
Secure • SSL-encrypted • GDPR-compliant
Why Choose Affordable Car Insurance?
Save up to €850
Average annual savings when switching
5 Minutes Online
Quick comparison without paperwork
From €35/Month
Affordable tariffs starting at low rates
Welcome Bonus
Up to €200 for new customers
300+ Tariffs
All insurances compared - TÜV-tested
Instant eVB
Get eVB number within 2 minutes
Frequently Asked Questions
Average savings: €200-850 per year depending on your vehicle and SF class.
| Driver Type | Liability | Partial Coverage | Full Coverage |
|---|---|---|---|
| New driver (SF 0) | €800-1,200/year | +€200-400 | +€500-900 |
| Experienced (SF 5) | €400-600/year | +€150-300 | +€300-600 |
| Long-term (SF 25+) | €200-350/year | +€100-200 | +€200-400 |
6 main factors determine your car insurance cost:
- 💡 No-claims bonus (SF class): 0-35+ years claim-free = biggest impact!
- 🚗 Vehicle type: Make, model, power, new value (insurance classification)
- 📍 Location: Regional classes based on accident/theft statistics
- 👤 Driver age & experience: Under 25 or new license = higher rates
- 📊 Annual mileage: Less driving = lower risk = cheaper
- 🔒 Coverage level: Liability → Partial → Full coverage
💡 Tip: Use telematic tariffs (driving behavior tracking) to save up to 30%!
| Type | Covers | Cost |
|---|---|---|
| Liability (Mandatory) | Damage you cause to others (persons, property) | €200-1,200/year |
| Partial Coverage | + Theft, fire, storm, glass, wildlife collision | +€100-400/year |
| Full Coverage | + Damage to your own car (all causes including own fault) | +€200-900/year |
Recommended: Full coverage for new/expensive cars (first 5 years), Partial for mid-value cars, Liability only for old cars (<€3,000 value).
Depends on your situation:
- • New car registration (no previous insurance)
- • Price increase by insurer (special termination right within 1 month)
- • Claim settlement (special termination right within 1 month after)
- • Regular annual switch: Cancel by Nov 30 for Jan 1 change
- • Notice period: Usually 1 month (4 weeks before renewal)
- • Contract end: After 1 year minimum term expires
💡 Tip: Set reminder for November 1st to compare and switch by Nov 30 deadline!
No - this is a myth!
All German car insurers must follow strict regulations:
- ✅ BaFin supervision: Federal Financial Supervisory Authority monitors all insurers
- ✅ Legal obligations: Must pay legitimate claims - no exceptions
- ✅ Ombudsman system: Independent arbitration if disputes arise
- ✅ Same coverage: Cheap vs. expensive = same protection (if same coverage level)
Why cheaper? Lower overhead costs (online-only, no agents, automated processing) - NOT lower quality!