“Car Insurance for Expats in Germany: Everything You Need to Register, Drive, and Stay Legal in 2025”
Introduction: Why Car Insurance Is Crucial for Expats in Germany
Moving to Germany as an expat comes with many adjustments—from learning the language to navigating public systems. One area that often confuses newcomers is car insurance in Germany for expats. Whether you’re importing your own car or buying a vehicle locally, understanding the legal and financial requirements for German car insurance for foreigners is crucial.
Germany has some of the most efficient road systems in the world, but it also has strict rules when it comes to motor vehicles. Without proper insurance, you can’t register your car, and driving uninsured is illegal. This guide breaks down everything expats need to know about car insurance in Germany in 2025—from types of coverage, average costs, documentation, to best insurers and FAQs.
Types of Car Insurance in Germany (2025 Edition)
1. Haftpflichtversicherung (Third-Party Liability Insurance)
This is the minimum legal requirement to drive in Germany. It covers damage or injury you cause to others (both people and property). Without this, you cannot register your vehicle.
Key Features:
- Mandatory for all cars
- Does not cover damage to your own vehicle
- Required to obtain license plates
This is often referred to as TPL insurance Germany, and every driver must have it, regardless of nationality.
Average Cost in 2025:
€350–€700/year depending on your age, driving record, and car type.
2. Teilkasko (Partial Coverage)
Covers damage not caused by your own fault, such as:
- Theft
- Fire
- Storm and hail
- Broken glass
- Wildlife accidents
Teilkasko insurance is optional but recommended if your car is fairly new.
Estimated Cost in 2025:
€500–€1,000/year
3. Vollkasko (Comprehensive Coverage)
Covers everything Teilkasko does plus:
- Damage you cause to your own car
- Vandalism
- Hit-and-run accidents
If your vehicle is leased or financed, Vollkasko is often required by the bank or leasing company.
Cost Estimate in 2025:
€1,000–€1,800/year
What Expats Need to Register a Car in Germany
Before you can even drive a car in Germany as an expat, you must register it (Anmeldung) and insure it.
Required Documents:
- Proof of car ownership
- TÜV inspection certificate (roadworthiness test)
- Proof of German address registration (Anmeldung)
- Passport and residence permit
- Electronic Insurance Confirmation (eVB-Nummer) from your insurer
- Bank details for automatic billing
Related Post: “2025 Relocation Guide: Unexpected Expenses Nigerians Face Living in the UK, Germany & USA”
Getting the eVB Number: Your Insurance Access Key
When you apply for car insurance, your provider gives you an eVB number. This number is electronically linked to your policy and is required by the vehicle registration office (Zulassungsstelle) to process your registration.
You can request it:
- Online from your insurance provider
- Over the phone
- Instantly if applying digitally
Without this number, you cannot legally register your vehicle in Germany.
How Much Does Car Insurance Cost for Expats in Germany (2025)?
Car insurance in Germany varies depending on multiple factors:
|
Factor |
Impact on Cost |
|
Age |
Younger drivers pay more |
|
Country of origin/license |
Some licenses may trigger higher rates |
|
Driving record |
Accidents or no history = higher rates |
|
Type of car |
Premium cars = premium prices |
|
Postcode (PLZ) |
Urban areas often have higher rates |
Estimated annual cost for expats:
- TPL Only: €350–€700
- Teilkasko: €500–€1,000
- Vollkasko: €1,000–€1,800+
Best Car Insurance Providers in Germany for Expats (2025)
Here are top-rated insurers that offer English-language support and expat-friendly policies:
- Allianz – Largest insurer, reliable, available in English
➤ https://www.allianz.de
- AXA Germany – Good coverage options, quick eVB number
➤ https://www.axa.de
- HUK-COBURG – Affordable and widely used across Germany
➤ https://www.huk.de
- Getsafe – 100% digital insurer, app-based, English-speaking support
➤ https://www.getsafe.de
- DA Direkt – Competitive pricing, good for TPL insurance
➤ https://www.da-direkt.de
Switching Your Foreign Driver’s License to a German One
Driving with a foreign license is allowed temporarily, but most expats will need to convert it within 6–12 months depending on their country.
Nigerian license holders must:
- Take both written and practical exams unless they already have an EU/EFTA license.
- Enroll in a driving school (Fahrschule)
Related Post: How to Move to Germany as a Nigerian Skilled Worker (No Agent Needed) – 2025 Guide
Importing a Car to Germany: Insurance Implications
If you’re shipping a vehicle from your home country:
- Get temporary insurance (Kurzzeitkennzeichen) to drive from port to inspection
- Car must pass TÜV inspection before registration
- Convert your insurance policy once registered
Note: You may pay customs duties or VAT (MwSt) depending on the origin of the vehicle.
Driving Without Insurance: Penalties in Germany
Driving without valid insurance is a criminal offense under §6 PflVG and may result in:
- Vehicle seizure
- Fines of up to €1,500
- License suspension
- Criminal charges
Never drive uninsured—even if it’s just a short trip.
Saving Tips: How Expats Can Lower Insurance Costs
Here’s how expats can reduce their annual premium:
✅ Choose a car with a lower insurance classification
✅ Bundle your insurance (e.g. with home insurance)
✅ Increase your deductible
✅ Pay annually instead of monthly
✅ Use online comparison sites like Check24 or Verivox
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FAQs: Car Insurance in Germany for Expats (2025)
❓ Can I drive in Germany with my foreign insurance?
No. Your insurance must be recognized in Germany. Most foreign insurance policies won’t meet legal standards. You’ll need a German policy to register and drive your car.
❓ What’s the best car insurance for expats in Germany?
Companies like Getsafe, Allianz, and AXA offer the most expat-friendly services, with English support and digital application options.
❓ How long does it take to get the eVB number?
Usually within minutes if done online or via app. It’s an automatic process with most major insurers.
❓ Do I need to pay road tax?
Yes. The Kfz-Steuer (car tax) must be paid annually. The cost depends on engine size, emissions, and fuel type.
❓ Can I transfer my no-claims bonus from abroad?
Sometimes. If your insurer accepts international documentation of your claims history, you may be able to get a SFR (Schadenfreiheitsrabatt)—which can significantly lower your premium.
❓ Do expats pay more for car insurance in Germany?
Not necessarily. But lack of local driving history, non-EU licenses, and language barriers can complicate the process and raise rates.
Conclusion: Be Smart, Be Legal, Be Covered
Getting car insurance in Germany as an expat can feel overwhelming, but with the right information and providers, it’s a manageable process. Start with your needs third-party liability at a minimum, and consider full coverage if your vehicle is new or leased.
Once you’ve secured your eVB number, completed your TÜV check, and submitted your documents, you’re legally ready to drive in Germany insured, protected, and confident.
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