Germany is known for its exceptional road infrastructure and automobile culture.
If you’re an immigrant planning to live, work, or study in Germany, owning or driving a car may become part of your routine. One of the first legal requirements is to get proper auto insurance, which is mandatory for all vehicle owners in the country.
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This article explains the types of car insurance in Germany, how immigrants can apply, what documents are required, and how to choose the best insurance provider for your needs.
Why Auto Insurance Is Mandatory in Germany
Under German law, every motor vehicle must be insured before it is registered and used on public roads. The purpose is to:
- Cover damages caused to others (liability)
- Protect drivers financially in case of accidents or theft
- Comply with legal road safety requirements
Driving without insurance is illegal and may lead to fines, vehicle impoundment, or license suspension.
Types of Auto Insurance in Germany
There are three main types of car insurance available in Germany. Choosing the right one depends on your budget, vehicle value, and personal needs.
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1. Third-Party Liability Insurance (Haftpflichtversicherung)
This is the minimum required by law and covers:
- Injuries or death caused to other people
- Damage to other vehicles or property
It does not cover your own vehicle damages. However, it’s mandatory to register any vehicle.
2. Partial Coverage Insurance (Teilkasko)
This is optional but provides more protection. It includes:
- Theft
- Fire, explosion
- Glass damage (windows, mirrors)
- Natural disasters (flood, storm, hail)
- Animal collisions
It’s ideal for used cars or those with lower market value.
3. Comprehensive Insurance (Vollkasko)
This is the most complete insurance and includes everything from Teilkasko, plus:
- Damage to your own vehicle (even if the accident is your fault)
- Vandalism
- Hit-and-run coverage
Recommended for new or expensive cars and those under financing or leasing.
Who Needs Auto Insurance in Germany?
Anyone who owns or operates a motor vehicle in Germany must have valid auto insurance.
Immigrants Eligible for Auto Insurance:
- EU and Non-EU nationals with a German address
- International students with residence permits
- Expats working under company contracts
- Refugees or asylum seekers with legal residence
- People applying for permanent residency who own vehicles
Documents Required for Auto Insurance in Germany
To apply for car insurance in Germany as an immigrant, prepare the following:
- Valid driver’s license (German or converted international license)
- Vehicle registration certificate (Zulassungsbescheinigung Teil I & II)
- Personal ID or passport
- Proof of residence in Germany (Anmeldung)
- Previous insurance record (if applicable)
- Bank account details (for monthly payments)
After approval, your insurance provider will issue an eVB number (electronic insurance confirmation) required to register your vehicle.
How to Apply for Car Insurance as an Immigrant
Step 1: Compare Insurance Providers
Use comparison websites like:
- Check24.de
- Verivox.de
- DA Direkt
- Allianz
- AXA
- HUK-Coburg
Compare based on:
- Monthly/annual premium
- Coverage level
- Customer reviews
- Language support for non-German speakers
Step 2: Choose a Policy
Select between liability, partial, or comprehensive depending on your needs. Check if the policy includes:
- Roadside assistance
- Breakdown coverage
- Rental car during repair period
Step 3: Provide Documentation
Upload or send scanned copies of your ID, vehicle papers, and residence documents. Many insurers now offer online-only applications, making it easier for newcomers.
Step 4: Receive eVB Number
Once your application is approved, the insurer provides an eVB code. Use this number to register your car with the Zulassungsstelle (vehicle registration office).
Cost of Auto Insurance in Germany
The cost of car insurance in Germany depends on:
- Driver’s age and driving experience
- Type and age of the vehicle
- Location of registration
- Driving record and previous claims
- Coverage type (liability vs. comprehensive)
Coverage TypeMonthly Cost Range (EUR)
Liability Only €30 – €90
Partial Coverage €50 – €120
Comprehensive €90 – €250
For immigrants, the cost may be slightly higher in the first year due to lack of driving history in Germany.
Can You Transfer Foreign Insurance or Bonus Level?
Some insurance providers allow you to transfer your no-claims bonus (Schadenfreiheitsklasse) from your home country. This can significantly reduce your premium.
Requirements:
- Documented proof from your previous insurer
- Translated certificate showing accident-free years
Note: Not all German insurers accept foreign bonus levels. Always confirm with your chosen company.
Short-Term Auto Insurance for Temporary Residents
If you’re staying in Germany for less than a year, consider Kurzzeitversicherung (short-term insurance).
- Valid from 5 to 180 days
- Ideal for temporary vehicles or student drivers
- Includes liability and optional coverage
Make sure it includes the eVB number for registration.
What Happens After an Accident?
If you’re involved in a road accident:
- Call emergency services (110 or 112) if there are injuries
- Exchange information with the other driver
- Take photos of the scene and damages
- Report the accident to your insurance company immediately
- File a police report if necessary
German insurers respond quickly, and if you’re not at fault, the other party’s insurer covers your costs.
How Auto Insurance Affects Visa or Residency
Having valid car insurance proves:
- Compliance with German law
- Financial responsibility
- Trustworthiness as a resident
This may positively influence your profile if you’re applying for:
- Permanent residence (Niederlassungserlaubnis)
- Family reunification
- Freelancer or self-employment visas
Tips for Immigrants Choosing Auto Insurance
- Start with liability coverage if you have an older car
- Upgrade to comprehensive if your car is leased or financed
- Look for English-speaking insurers or multilingual websites
- Bundle insurance with health or home insurance to save
- Drive safely to build a no-claims history for discounts
Conclusion – Drive Legally and Safely in Germany
Auto insurance in Germany is more than a legal requirement—it’s a protective shield for you, your vehicle, and others on the road. As an immigrant, understanding the types of insurance, required documents, and registration process helps you avoid legal trouble and enjoy a smooth driving experience.
Whether you’re planning to live long-term or just getting started, having the right car insurance ensures you’re safe, legal, and covered.
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