Car Insurance Comparison Germany 2026: –

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Looking for Car Insurance Germany? The cheapest policy is not always the right one.

  • What matters is what the tariff actually covers, which benefits are included, what is optional, and what you would have to pay yourself after a claim.

In this guide, we compare Allianz, ERGO, HUK-COBURG and ADAC and explain the main types of car insurance in Germany.

  • Insurance rates and benefits depend on your vehicle, location, driving profile, claims history and selected tariff.

CoverageAllianzERGOHUK-COBURGADAC
Third-party liability✓✓✓✓
Teilkasko✓✓✓✓
Vollkasko✓✓✓✓
Breakdown assistance / SchutzbriefOptionalOptionalOptionalTariff-dependent
Foreign claims protectionOptional / Direct PlusTariff-dependentTariff-dependentSelected tariffs
Driver protection✓Optional✓Selected tariffs
Repair shop option / bonus✓Optional✓✓
New / purchase price protection✓ / Tariff-dependent✓Tariff-dependentTariff-dependent
GAP coverTariff-dependentOptionalTariff-dependentTariff-dependent
Telematics✓Safe DriveTelematik PlusFahr + Spar

What Type of Car Insurance Do You Need in Germany?

  • Third-Party Liability — Kfz-Haftpflicht

    Kfz-Haftpflichtversicherung is mandatory for registered vehicles in Germany. It covers damage you cause to other people, vehicles or property. It does not provide the same protection for damage to your own vehicle as comprehensive insurance.

  • Teilkasko — Partial Comprehensive

    Teilkasko Germany provides additional protection for your own vehicle against specific insured risks. The exact risks covered depend on the tariff and policy conditions .

  • Vollkasko — Full Comprehensive

    Vollkasko Germany provides broader protection for your own vehicle, depending on the policy conditions. Whether Vollkasko makes sense for you depends on factors such as your vehicle, its value, financing situation and the level of protection you want.

Additional Car Insurance Benefits

  • Schutzbrief

    Breakdown assistance can help after a breakdown or accident, depending on the tariff. → What should you check before adding a Schutzbrief?

  • Auslandsschadenschutz

    Foreign claims protection can be relevant if you regularly drive your car abroad. → Do you need foreign claims protection when driving in Europe?

  • Fahrer Schutz

    Driver protection can provide additional protection for the driver, depending on the tariff. → Is driver protection already included in your policy?

  • New / Purchase Price Protection

    Some tariffs provide additional compensation after theft or a total loss. → How long should new or purchase price protection apply?

  • GAP Cover

    GAP cover can be relevant for financed or leased vehicles. → Do you need GAP insurance for a financed or leased car?

  • Telematics

    Telematics uses driving data and may offer a driving-related bonus depending on the program. → Is telematics car insurance right for your driving profile?

Is car insurance mandatory in Germany?

Yes. Third-party liability insurance (Kfz-Haftpflicht) is mandatory for registered vehicles in Germany.

What is the difference between Teilkasko and Vollkasko?

Teilkasko and Vollkasko provide different levels of protection for your own vehicle. The exact coverage depends on the tariff and policy conditions.

What is GAP insurance in Germany?

GAP cover can help with a financial gap between an insurance settlement and certain outstanding finance or lease amounts

Do I need foreign claims protection?

It can be relevant if you regularly drive abroad. Check the geographical scope and exact policy conditions before choosing a tariff.

Should I choose the cheapest car insurance?

Price is only one part of the comparison.

Deductibles, exclusions, repair-shop restrictions and additional benefits can make a major difference between two tariffs.

Is telematics car insurance worth it?

Telematics may be relevant if you are comfortable sharing driving data in exchange for a possible driving-related benefit.