What Does Your German Personal Liability Insurance Cost?
Yearly premium by household type, coverage and deductible — with a clear breakdown.
Household
Coverage & premium
- Yearly premium
- €65.00
- Monthly premium
- €5.42
- Coverage
- €10,000,000
- Deductible
- €0
- Total premiums (term)
- €65
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Breakdown
| Category | Amount |
|---|---|
| Household type | Single |
| Coverage | €10,000,000 |
| Deductible | €0 |
| Term | 1 years |
| Yearly premium | €65.00 |
| Monthly premium | €5.42 |
| Total premiums over term | €65 |
Note: Premiums are 2026 averages of major German personal liability insurers (HUK24, HUK-Coburg, Allianz, AXA, R+V, HanseMerkur). Actual premiums vary by insurer and tariff (basic, comfort, premium), bad-debt cover, lost-keys cover, favor-damage cover and dependents included. Rule of thumb: coverage at least €10 M, better €20–€50 M; families should pick the family tariff covering children until end of studies.
Background
German Personal Liability Insurance 2026: Premium, Coverage and Tariff Selection
11 Min.