How the PLZ calculator works
German insurers price cover partly by region. Your 5-digit postal code (PLZ) decides the regional class used for liability, partial and full cover. The calculator collects the details insurers need (vehicle, annual mileage, parking, drivers) and passes a non-binding request to licensed partners. You receive offers, not a fixed price, because each insurer weights SF class, type class and region differently. To understand those factors first, read car insurance cost in Germany.