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Reliable Protection for Your Drive
If you’re living in or moving to Germany, one of the first things you’ll need after buying a car is auto insurance—and not just any policy, but one from a trusted provider that won’t leave you stranded when you need them the most.
Germany has one of the most competitive and highly regulated car insurance markets in Europe. But with dozens of providers offering a wide range of plans, picking the right company can feel like finding a needle in a haystack.
This guide will walk you through the top 10 auto insurance companies in Germany, what makes each stand out, and how to choose the one that fits your needs and budget.
Why Choosing the Right Car Insurance Company Matters
Your vehicle isn’t just a mode of transport—it’s an investment and, in many cases, a daily necessity. Getting into an accident or having your car stolen is stressful enough without the added worry of poor claims handling or hidden policy limitations.
In Germany, car insurance (Kfz-Versicherung) is legally mandatory, and failing to have coverage can result in heavy fines or even losing your registration.
So let’s help you make a confident choice by diving into the top-rated insurers.
Top 10 Auto Insurance Companies in Germany (2025)
| Insurance Company | Type of Coverage Offered | Average Annual Premium | Digital Services | Notable Feature |
|---|---|---|---|---|
| HUK-Coburg | Liability, Partial/Full Casco | €450–€900 | Excellent | Best value-for-money policies |
| Allianz SE | Comprehensive, Third-Party, Extras | €600–€1,200 | Excellent | Strong roadside assistance |
| AXA Germany | Basic to Fully Comprehensive | €550–€1,100 | Great | Eco-friendly policy options |
| DEVK | Third-Party to Full Coverage | €500–€950 | Good | Top-rated customer service |
| R+V Versicherung | Liability, Partial/Full Casco | €580–€1,100 | Good | Ideal for family fleets |
| ERGO Group | All levels, Optional Add-ons | €600–€1,150 | Good | Solid accident protection |
| Generali Germany | Liability, Full Coverage | €620–€1,200 | Good | Easy online claim filing |
| Gothaer | Third-Party, Comprehensive | €530–€1,000 | Average | Flexible monthly plans |
| VHV Versicherung | Basic to Premium Auto Insurance | €500–€980 | Good | Fast claims processing |
| Zurich Germany | All Types (including e-cars) | €590–€1,300 | Excellent | Specialized e-car insurance |
What Types of Auto Insurance Are Available in Germany?
Germany offers three main car insurance types:
- Haftpflichtversicherung (Liability Insurance) – Mandatory and covers damage to others.
- Teilkasko (Partial Coverage) – Adds protection against theft, glass damage, wildlife accidents, etc.
- Vollkasko (Full Coverage) – Includes everything from Teilkasko + damage you cause to your own vehicle.