Car Insurance Comparison Germany 2026: –

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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.

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

Coverage	Allianz	ERGO	HUK-COBURG	ADAC
Third-party liability	✓	✓	✓	✓
Teilkasko	✓	✓	✓	✓
Vollkasko	✓	✓	✓	✓
Breakdown assistance / Schutzbrief	Optional	Optional	Optional	Tariff-dependent
Foreign claims protection	Optional / Direct Plus	Tariff-dependent	Tariff-dependent	Selected tariffs
Driver protection	✓	Optional	✓	Selected tariffs
Repair shop option / bonus	✓	Optional	✓	✓
New / purchase price protection	✓ / Tariff-dependent	✓	Tariff-dependent	Tariff-dependent
GAP cover	Tariff-dependent	Optional	Tariff-dependent	Tariff-dependent
Telematics	✓	Safe Drive	Telematik Plus	Fahr + 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.