Germany guide

Car insurance in Germany: English overview

Learn the rules that matter for drivers in Germany — then request matched offers with your PLZ using the form below.

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How German car insurance is structured

In Germany, motor liability insurance (Haftpflicht) is mandatory before you can register (Zulassung) and drive a car. Optional partial or full comprehensive cover (Teilkasko / Vollkasko) protects your own vehicle against specific risks. Premiums are personal: insurers rate risk using your postal code (PLZ), no-claims (SF) class, age, vehicle, mileage, and who is allowed to drive.

Registration usually requires an electronic insurance confirmation (eVB). After Zulassung you receive plates and a registration certificate; keep insurer and registration data aligned when you move house or change the overnight parking PLZ.

This English hub links deeper guides on coverage layers, expat paperwork, young-driver pricing, premium-reduction levers, and an offer-shopping checklist. We are not an insurer — the form on this page sends a non-binding request so licensed partners can prepare matched offers.

Start with liability — legal minimum; add Teilkasko/Vollkasko only when the car value justifies it.
Bring SF proof — claim-free years from abroad or a prior German policy can improve the tariff.
Use the overnight PLZ — regional rating follows where the car is usually parked.

Autoabsichern.de is not an insurer. Requests are free and non-binding; licensed partners may contact you only to clarify details and prepare offers.

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Vehicle 1 Information

Year

Make

Model

Car Ownership:

Owned

Financed

Leased

Vehicle 1 Usage

What is the primary use of this vehicle?

km (one way)

Estimated annual usage km

Do you use a garage?

What is your German postal code (PLZ)?

Additional Vehicles

Do you want to add another vehicle?

Yes No