What Does Your German Car Insurance Cost?
Premium by SF-Klasse, Typklasse and regional class — with a clear breakdown of liability, partial- and full-comprehensive cover.
Vehicle & region
Driver & cover
- Yearly premium
- €208.26
- Monthly premium
- €17.36
- Liability
- €114.66
- Partial comprehensive
- €0.00
- Full comprehensive
- €93.60
- Premium rate
- 39 %
- No-claims discount
- 61 %
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Breakdown
| Category | Amount |
|---|---|
| Liability base (100 %) | €294.00 |
| SF-Klasse premium rate | 39 % |
| Liability (effective) | €114.66 |
| Partial comprehensive | €0.00 |
| Full comprehensive (incl. SF discount) | €93.60 |
| Total yearly premium | €208.26 |
Note: Premiums are 2026 averages of major German car insurers (HUK-Coburg, Allianz, AXA, ADAC, R+V). Actual premiums vary by insurer, tariff (basic / comfort / premium), workshop binding, deductible (typically €150 partial / €300 full), second-car discount, garage parking, annual payment and driver age. Partial comprehensive (Teilkasko) is not no-claims-rated in Germany; only liability and full comprehensive follow the SF-Klasse.
Background
German Car Insurance 2026: SF-Klasse, Typklasse and Full vs. Partial Comprehensive Explained
11 Min.