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Updated: 13.05.2026

Car insurance in Germany — in English. eVB in 5 minutes.

Compare 11 German motor carriers in English, transfer your foreign no-claims bonus, and get the eVB-Nummer (insurance confirmation issued to register your vehicle) ready for the Zulassungsstelle the same day. Independent broker licensed under §34d GewO, updated for the 2026 contract year.

Car insurance in Germany in English — get your eVB in 5 minutes — DigiCare 2026

  • JAEG 2026

    €77,400

  • GKV base rate

    14.6%

  • Familienversicherung

    €565/mo

Tell us about you — find your right path

Four short questions and we route you to the coverage tier, SF-Klasse (no-claims discount class) starting position, and eVB workflow that fits your situation. No account needed.

Questions
  1. Where was your driving licence issued?
    Options:
    • EU / EEA
    • UK (post-Brexit)
    • Non-EU (India, Turkey, US, Brazil, others)
    • SOFA / US military (DoD)
  2. How many claim-free years can you document?
    Options:
    • 0 (first policy)
    • 1 to 4 years
    • 5 to 11 years
    • 12+ years
  3. How long since your Anmeldung at a German address?
    Options:
    • Less than 4 weeks
    • 1 to 6 months
    • Over 6 months
  4. What will you drive?
    Options:
    • First German car
    • Switching from a German policy
    • SOFA POV on US plates
Outcomes
  1. EU / EEA licence + 5+ proof years
    Coverage tier recommendation: Haftpflicht-only (older cars) or Haftpflicht + Vollkasko (newer/financed)
    Sf start: Full 1:1 SF-Klasse transfer at most carriers
    Evb action: eVB issued within 5 minutes after carrier confirms cover
    Cta label: Compare your price
    Cta href: #pricingScenarios
  2. UK licence + UK no-claims letter
    Coverage tier recommendation: Haftpflicht + Vollkasko (UK households typically arrive with a recent vehicle)
    Sf start: Full transfer at selected carriers; written UK confirmation accepted in English
    Evb action: eVB issued within 5 minutes after carrier confirms cover
    Cta label: Transfer my UK no-claims
    Cta href: #noClaimsTransfer
  3. Non-EU licence, over 23, no documented proof
    Coverage tier recommendation: Haftpflicht (and Teilkasko for used cars over 8 years)
    Sf start: SF3 starting class at eligible carriers — about 48 % off the SF0 base
    Evb action: eVB issued within 5 minutes; convert your non-EU licence before the 6-month deadline from Anmeldung
    Cta label: Start at SF3
    Cta href: #noClaimsTransfer
  4. Non-EU licence, under 23 or under 1 year licensed
    Coverage tier recommendation: Haftpflicht-only, plus a Telematik-Tarif (driving-behaviour score)
    Sf start: SF0 start; Telematik-Tarif can recover up to 30 % within year one
    Evb action: eVB issued within 5 minutes
    Cta label: See pricing with Telematik
    Cta href: #pricingScenarios
  5. SOFA POV (US military / DoD civilian)
    Coverage tier recommendation: USAREUR-registered POV while SOFA active; switch to German Haftpflicht on retirement or DoD-civilian transition
    Sf start: Stay on US plates while SOFA active; convert to a German policy within 6 months of status change
    Evb action: SOFA exception: USAREUR Registry of Motor Vehicles (RMV) Form 190-1 + on-base safety inspection — standard eVB does not apply
    Cta label: Get your eVB number now
    Cta href: #evbExplainer
Footnote
Sources: Federal Ministry of Transport (BMVI) on validity of foreign driving licences in Germany; §1 PflVG; retrieved 13.05.2026.
Last updated: 13.05.2026

Haftpflicht, Teilkasko, Vollkasko — which one do you need in 2026?

German car insurance comes in three tiers. Only the first is mandatory. The other two are voluntary Kasko (own-damage cover) products you add on top.

TierWhat it coversStatutory minimum (Anlage zu §4 PflVG)Typical 2026 annual premiumWho needs it
Haftpflicht (mandatory third-party liability)Personal injury, property damage, and pure financial loss you cause others while using the vehicle (§1 PflVG). Does not pay for your own car.Personenschäden 7.500.000 €, Sachschäden 1.300.000 €, Vermögensschäden 50.000 €250 € – 500 € (Feather range, 24.02.2026); 258 € industry average (Settle in Berlin, GDV-aligned)Every keeper of a registered vehicle. Without it, registration is refused and driving is a criminal offence under §6 PflVG.
Teilkasko (partial comprehensive)Theft, fire, explosion, glass breakage, storm, hail, lightning, flood, wildlife collisions, marten damage.No statutory minimum (voluntary contract)350 € – 700 € per year (including the mandatory Haftpflicht component)Older vehicles with residual value; long-term parkers; cars in marten-active rural areas.
Vollkasko (full comprehensive)Everything in Teilkasko plus self-caused collision damage, vandalism, and hit-and-run damage to your own car.No statutory minimum (voluntary contract)587 € industry average (Settle in Berlin, GDV-aligned); 906 € – 942 € Feather cheap tier; 700 € – 1.500 €+ full rangeNewer cars, financed or leased vehicles, family cars with high-value damage exposure.

What it costs in 2026 — for your situation

As of label
Stand 13.05.2026
Source label
Sources: Settle in Berlin (GDV-aligned industry data); Feather Insurance (24.02.2026); Feuersozietät / GermanPedia SF-Klassen-Tabelle; Anlage zu §4 PflVG.
Industry average band
Haftpflicht label: Haftpflicht-only (industry average 2026)
Haftpflicht value: ~258 € per year (about 21,50 € per month)
Vollkasko label: Vollkasko incl. Haftpflicht (industry average 2026)
Vollkasko value: ~587 € per year (about 48,90 € per month)
Feather benchmark
Label: Cheap-tier benchmark — Feather Insurance (24.02.2026)
Haftpflicht range: Haftpflicht 465 € – 509 € per year
Teilkasko range: Teilkasko 580 € – 636 € per year
Vollkasko range: Vollkasko 906 € – 942 € per year
As of: 24.02.2026
Scenarios intro
Illustrative 2026 estimates. Your actual price depends on Typklasse (vehicle-type class), Regionalklasse (postcode-based class), SF-Klasse, annual mileage, and driver circle.
Scenarios
  • Persona label: Marcus — Berlin, non-EU licence
    Profile line: 2018 VW Golf · SF3 starter class · 14 months in Berlin Mitte
    Haftpflicht estimate: Haftpflicht 350 € – 480 € per year
    Vollkasko estimate: Vollkasko 780 € – 1.100 € per year
    Inflated by Berlin's higher Regionalklasse; SF3 starter is the lever.
  • Persona label: Sophie — Munich, UK licence
    Profile line: BMW X3 · SF12 transferred with written UK no-claims letter
    Haftpflicht estimate: Haftpflicht 150 € – 220 € per year
    Vollkasko estimate: Vollkasko 450 € – 680 € per year
    Twelve transferred no-claims years drive the premium down hard.
  • Persona label: Anna — Frankfurt, French licence
    Profile line: Used Renault Clio · SF2 transferred from Allianz France
    Haftpflicht estimate: Haftpflicht 220 € – 310 € per year
    Vollkasko estimate: Vollkasko not advised for an older small car
    Clean EU transfer; Haftpflicht-only is the cost-rational tier.
  • Persona label: Karim — Berlin, German licence
    Profile line: Mid-size family SUV · SF0 first-time keeper · 3 children declared in driver circle
    Haftpflicht estimate: Haftpflicht 480 € – 650 € per year
    Vollkasko estimate: Vollkasko 950 € – 1.350 € per year
    SF0 because no prior policy; one class drop per claim-free year.
Sf table
Title: SF-Klassen — % of base premium
Source label: Feuersozietät / GermanPedia SF-Klassen-Tabelle, retrieved 13.05.2026
Rows:
  • Sf class: SF0
    Percent of base: 100 %
    Note: Anfänger / first policy
  • Sf class: SF1
    Percent of base: 75 %
    Note: 1 claim-free year
  • Sf class: SF3
    Percent of base: 65 %
    Note: Non-EU starter (eligible carriers, over 23)
  • Sf class: SF5
    Percent of base: 52 %
    Note:
  • Sf class: SF10
    Percent of base: 39 %
    Note:
  • Sf class: SF20
    Percent of base: 28 %
    Note:
  • Sf class: SF35+
    Percent of base: ~22 %
    Note: Maximum class at most insurers — about 78 % off base. The 'up to 81 %' figure in AI Overviews is portal marketing, not industry data.
Statutory min footnote
What 'cheap' actually buys is the Anlage zu §4 PflVG floor: 7.500.000 € personal injury, 1.300.000 € property damage, 50.000 € financial loss. Verbraucherzentrale recommends 100 Mio. € pauschal.
Cta label
Get your personalized quote
Cta href
#evbExplainer
Secondary cta label
Transfer your no-claims bonus to keep these prices
Secondary cta href
#noClaimsTransfer

Transfer your no-claims bonus — keep what you earned

Your Schadenfreiheitsklasse (no-claims discount tier, "SF-Klasse") is the single largest lever on your German premium. If your foreign motor history was claim-free, you can usually carry it into a German SF class. Updated 13.05.2026.

Transfer table
Origin of your foreign policyTransfer rule
EU / EEAFull transfer at the carrier's discretion, typically 1:1 (each claim-free year = one SF class).
UK (post-Brexit)Full transfer at selected carriers; English-language written confirmation from your UK insurer is sufficient.
Switzerland, Ukraine, Bosnia & HerzegovinaFull transfer accepted by Feather-pool carriers.
US, Canada, Australia, AsiaCase-by-case. Where transfer is declined, eligible carriers offer the SF3 starting class for drivers over 23 with no proof — see box below.
Sf3 box
Title: SF3 starter — no proof required
Description: Drivers over 23 with a non-EU driving history that cannot be documented can start at SF3 with selected carriers. SF3 is about 65 % of base premium — roughly 35 % off the standard rate, or up to 48 % below the SF0 default once vehicle and regional factors apply.
Eligibility requirements:
  • Over 23 years of age
  • Non-EU licence converted (or within the 6-month conversion window from Anmeldung)
  • Carrier on DigiCare's SF3-eligible panel
Typical saving: About 48 % off the SF0 default base premium
Document checklist
  • Written claim-free confirmation letter from your prior insurer (English or German is accepted)
  • Passport or national ID
  • Vehicle papers (Zulassungsbescheinigung Teil I, where available)
  • German IBAN for the monthly debit
  • Certified translation only if the confirmation is in a language other than English or German
Cta label
See what it costs with full SF transfer
Cta href
#pricingScenarios

Your eVB-Nummer — ready in 5 minutes

No eVB-Nummer (elektronische Versicherungsbestätigung — the 7-character insurance confirmation code), no licence plates. Updated 13.05.2026.

What
A 7-character electronic confirmation that you hold at least mandatory Kfz-Haftpflicht. The Kfz-Zulassungsstelle requires it before issuing licence plates (§29 FZV).
How
Complete the English online sign-up with your driving licence, Anmeldung address, and German IBAN. We bind cover with the chosen carrier and transmit the eVB-Nummer within 5 minutes by SMS and email. You then take it to the Kfz-Zulassungsstelle with your vehicle papers, ID, and Anmeldung confirmation.
Validity
Typically 3 to 6 months from issuance (maximum 2 years). A lapsed eVB is reissued at no charge.
Sofa exception
Title: SOFA exception — US military / DoD civilian
Body: SOFA-status keepers register privately-owned vehicles through the USAREUR Registry of Motor Vehicles (RMV), not the standard Kfz-Zulassungsstelle. The eVB process above does not apply to SOFA POV registrations — your route is USAREUR Form 190-1 plus the on-base safety inspection (USAREUR Reg 190-1).
Cta label
Get my eVB now
Cta href
#hero

When to switch — the 30.11. deadline and your special cancellation rights

Most German motor policies run on the calendar year (01.01. – 31.12.). To move your contract for next year, your cancellation must reach the current insurer by 30.11. — date of receipt, not date of mailing.

Deadline label
Cancellation must arrive at the current insurer by 30.11.2026
Steps
  1. Compare

    Compare carriers in October or November while you still hold the right to cancel for the next contract year.

  2. Cancel

    Send the written cancellation so it arrives at the current insurer by 30.11.2026.

  3. New policy starts

    Your new policy starts 01.01.2027 with the chosen carrier; your eVB-Nummer is reissued ahead of the change.

Sonderkuendigung intro
Sonderkündigungsrecht (special right of cancellation) opens a window outside the annual cycle when one of three triggers fires.
Sonderkuendigung list
  • Trigger: Premium increase notified by the insurer
    Statute: VVG §40
    Window: One month from the date of the notification letter
  • Trigger: Claim settlement
    Statute: VVG §92
    Window: One month from conclusion of settlement negotiations
  • Trigger: Vehicle sale
    Statute: AKB / PflVG §14
    Window: Effective on transfer of the keeper (Halter)
Our service line
We draft and submit the cancellation letter to your current insurer on your behalf; the old carrier confirms receipt in writing.
Cta label
Compare to see if switching saves you money
Cta href
#pricingScenarios

Chapter VI

Frequently asked questions

Is car insurance mandatory in Germany?
Yes. Under §1 PflVG, every vehicle kept in Germany must hold mandatory Kfz-Haftpflicht before registration or use on public roads. Driving uninsured is a criminal offence under §6 PflVG.
Can I get German car insurance as a non-EU citizen?
Yes. Nationality does not matter. You need a valid driving licence (non-EU licences last 6 months from Anmeldung, then must be converted), proof of identity, vehicle papers, and a German IBAN.
How much is car insurance in Germany in 2026?
Industry averages (Settle in Berlin, GDV-aligned, 13.05.2026): about 258 € per year for Haftpflicht and 587 € for Vollkasko. Cheap-tier ranges (Feather, 24.02.2026): Haftpflicht 465 € – 509 €, Vollkasko 906 € – 942 €. Your price depends on SF-Klasse, Typklasse, Regionalklasse, mileage, and driver circle.
Can I transfer my foreign no-claims bonus?
EU/EEA, UK, Switzerland, Ukraine, and Bosnia & Herzegovina histories transfer at selected carriers with a written claim-free letter. US, Canada, Australia, and Asian histories transfer case-by-case. Over 23 with no proof opens the SF3 starting class — roughly 48 % off the base rate.
What is an eVB-Nummer and how do I get one?
A 7-character electronic confirmation (elektronische Versicherungsbestätigung) that proves Kfz-Haftpflicht cover. The Kfz-Zulassungsstelle requires it for vehicle registration (§29 FZV). DigiCare issues it within 5 minutes of sign-up by SMS or email.
What do Haftpflicht, Teilkasko, and Vollkasko mean?
Haftpflicht is mandatory third-party liability (statutory minimums 7.500.000 € personal injury, 1.300.000 € property, 50.000 € financial loss per Anlage zu §4 PflVG). Teilkasko adds theft, fire, glass, weather, and wildlife collisions. Vollkasko adds self-caused collision damage and vandalism on your own car.
When can I switch my car insurance in Germany?
Calendar-year policies must be cancelled by 30.11. (date of receipt at the insurer). You also hold a Sonderkündigungsrecht on a premium increase (VVG §40, one month from notification), a settled claim (VVG §92, one month from conclusion of settlement negotiations), or a vehicle sale (AKB / PflVG §14, effective on keeper transfer).
Does DigiCare work with US military / SOFA-status drivers?
Yes. SOFA keepers stay on USAREUR plates while SOFA is active and register through the USAREUR Registry of Motor Vehicles. On retirement or DoD-civilian transition, you must convert to German plates and a German policy within 6 months. Our eligibility filter routes you to the SOFA path.