Buying car insurance in Germany has become easier than ever. Today, you can apply for car insurance online in Germany in just a few steps without visiting any office. Whether you are a new driver, an expat, or switching providers, online insurance offers convenience, better comparison, and often cheaper prices.
In this guide, you will learn everything about applying for car insurance online in Germany. We will cover how it works, types of insurance, requirements, costs, and expert tips to help you choose the best policy.
Why Apply for Car Insurance Online in Germany?
Applying online has become the preferred method for most drivers in Germany. It is fast, simple, and gives you full control over your choices.
Benefits of Online Car Insurance
- Quick process – Apply within minutes from your home
- Easy comparison – Compare multiple providers instantly
- Lower costs – Online deals are often cheaper
- Paperless system – No need for physical documents
- 24/7 access – Apply anytime, anywhere
Online platforms allow you to check prices, coverage, and reviews before making a decision. This helps you avoid overpaying and choose the best insurance plan.
Types of Car Insurance in Germany
Before applying, it is important to understand the different types of car insurance available in Germany.
1. Third-Party Liability Insurance (Haftpflicht)
This is mandatory in Germany. You cannot register a car without it.
It covers:
- Damage to other vehicles
- Injury to other people
- Property damage
However, it does not cover your own car.
2. Partial Coverage (Teilkasko)
This is optional but recommended. It covers:
- Theft
- Fire damage
- Natural disasters
- Glass damage
- Animal collisions
It is suitable for drivers who want basic extra protection.
3. Comprehensive Coverage (Vollkasko)
This is the most complete coverage. It includes:
- All Teilkasko benefits
- Damage to your own car
- Vandalism
- Accidents caused by you
It is ideal for new or expensive cars.
Requirements to Apply for Car Insurance Online in Germany
To apply online, you will need some basic documents and information.
Required Information
- Personal details (name, address, date of birth)
- Driving license details
- Vehicle information (make, model, year)
- Vehicle Identification Number (VIN)
- Registration details
eVB Number (Electronic Insurance Confirmation)
Once you apply, you will receive an eVB number. This is required to register your car in Germany. Without it, you cannot legally drive.
Step-by-Step Guide to Apply Online
Applying for car insurance online in Germany is simple. Follow these steps:
Step 1: Compare Insurance Providers
Use comparison websites to check:
- Prices
- Coverage options
- Customer reviews
Choose the plan that fits your needs and budget.
Step 2: Enter Your Details
Fill in:
- Personal information
- Driving history
- Car details
Make sure everything is accurate to avoid issues later.
Step 3: Select Coverage
Choose between:
- Haftpflicht
- Teilkasko
- Vollkasko
You can also add extras like roadside assistance.
Step 4: Get Instant Quote
After entering your details, you will see the price immediately. Compare options before selecting one.
Step 5: Complete Application
- Submit your application
- Make payment (monthly or yearly)
Step 6: Receive eVB Number
You will receive your eVB number instantly via email. Use it to register your vehicle.
Cost of Car Insurance in Germany
The cost depends on several factors. On average:
- Third-party insurance: €300 – €700 per year
- Partial coverage: €400 – €1,000 per year
- Full coverage: €800 – €2,000 per year
Factors That Affect Price
- Age and driving experience
- No-claims bonus
- Type of car
- Location in Germany
- Annual mileage
- Parking conditions
Drivers with a good history pay less.
Tips to Get Cheap Car Insurance Online
Saving money is important. Here are some expert tips:
1. Compare Multiple Quotes
Never choose the first option. Compare at least 3–5 providers.
2. Increase Deductible
Higher deductible = lower premium.
3. Choose Annual Payment
Paying yearly is often cheaper than monthly installments.
4. Build No-Claims Bonus
Safe driving reduces your cost over time.
5. Limit Mileage
Lower mileage can reduce your premium.
6. Bundle Insurance
Some companies offer discounts if you bundle policies.
Best Time to Apply for Car Insurance
In Germany, most contracts end on November 30 each year. This means:
- October–November is the best time to switch
- Many companies offer discounts during this period
However, you can apply anytime if:
- You buy a new car
- Your contract expires
- You cancel your current policy
Common Mistakes to Avoid
When applying online, avoid these mistakes:
- Providing incorrect information
- Choosing the cheapest plan without coverage
- Ignoring deductibles
- Not checking customer reviews
- Missing cancellation deadlines
Always read the policy details carefully.
Is Online Car Insurance Safe in Germany?
Yes, applying online is completely safe if you use trusted websites and insurance companies.
Safety Tips
- Use secure websites (HTTPS)
- Check company reputation
- Avoid unknown platforms
- Read terms and conditions
Germany has strict regulations, so online insurance providers are reliable.
Benefits for Expats in Germany
Expats often prefer online insurance because it is easier and faster.
Advantages
- English-friendly platforms
- Easy comparison tools
- Quick approval
- No paperwork hassle
Some companies even allow international driving history to reduce costs.
How to Cancel or Switch Insurance
Switching insurance in Germany is simple.
When You Can Cancel
- At contract end (November 30)
- After a claim
- If the premium increases
How to Cancel
- Send written notice
- Follow cancellation period (usually 1 month)
After cancellation, you can apply for a new policy online immediately.
Additional Coverage Options
When applying online, you can customize your policy.
Popular Add-ons
- Roadside assistance
- Legal protection insurance
- Driver protection
- Gap insurance
These extras provide additional safety and peace of mind.
Advantages of Digital Insurance Platforms
Online platforms are transforming the insurance process.
Key Features
- Instant policy approval
- Mobile-friendly applications
- Digital documents
- Easy claim process
This makes managing your insurance simple and efficient.
Final Thoughts
Applying for car insurance online in Germany is the easiest and smartest way to protect your vehicle. It saves time, offers better deals, and allows you to compare multiple options in one place.
Whether you are a new driver or an experienced one, online insurance gives you flexibility and control. Just make sure to choose the right coverage, provide accurate information, and compare prices carefully.
By following the steps in this guide, you can confidently apply for car insurance online and get the best deal for your needs.
FAQs
1. Can I apply for car insurance online in Germany instantly?
Yes, most providers offer instant approval and provide your eVB number immediately.
2. Is car insurance mandatory in Germany?
Yes, third-party liability insurance is required by law.
3. How long does the online process take?
It usually takes 10–15 minutes to complete the application.
4. Can expats apply online?
Yes, many companies offer services for expats with English support.
5. What is the cheapest type of car insurance?
Third-party liability insurance is the cheapest option.