Vehicle details
Have the vehicle information requested by the form available, such as its make, model and category.
Car insurance calculator
Car Insurance Calculator Germany
Compare car insurance options in Germany using our car insurance calculator. Understand your coverage, explore available prices and find suitable insurance for your vehicle.
Open the German car insurance calculator
The comparison portal is provided by MAXPOOL and powered by NAFI. It opens in a new tab and its interface is in German.
What to prepare for a car insurance quote
The calculator asks for information about your vehicle and its drivers. The exact questions depend on the vehicle category and insurer.
Driver age
Be ready to enter the age and details of the people who will drive the car, as requested by the insurer.
Schadenfreiheitsklasse
If you have a German no-claims class (SF class) or a current no-claims record, keep the relevant insurer documents nearby. Recognition of non-German records depends on the insurer.
Annual mileage
Estimate how many kilometres you expect to drive in a year. Use a realistic figure and update the insurer if your usage changes.
Understand the main types of car insurance cover
German policies use these terms to describe different levels of cover. Check each insurer’s policy wording, limits and deductible.
Haftpflicht
Third-party liability (Kfz-Haftpflicht) is required before you can register a car in Germany. It covers damage you cause to other people and their property, not damage to your own car.
Teilkasko
Partial comprehensive cover can protect your own car against specified events, which may include theft, fire, glass damage and certain weather or wildlife incidents. The exact cover depends on the policy.
Vollkasko
Fully comprehensive cover generally includes partial comprehensive cover and can add protection for damage to your own car after an accident you cause or vandalism. Check the policy terms and deductible.
Start with the vehicle category that fits
The external MAXPOOL calculator offers different starting points. Choose the one that matches your vehicle and intended use.
The calculator is in German
You can use Google Translate in your browser to translate the calculator interface while you compare. The comparison tool offers three starting points: Pkw in Eigenverwendung (passenger car for private use), Versicherungskennzeichen (insurance registration plate), and Alle Fahrzeugarten (all vehicle types).
Choose a vehicle category
Start with a privately used passenger car, an insurance registration plate, or all vehicle types. The options are visible on the welcome screen.
Sign in or register
The account area is separate from the vehicle choices. MAXPOOL says an account lets you save comparisons and complete applications online.
How account sign-in works
You can open the comparison choices from the welcome screen. Use an account to save personal comparisons and complete applications online.
- On the calculator page, choose LOGIN and then Anmeldung, or select Jetzt einloggen in the account panel.
- If you already have an account, choose Anmelden, enter your Anmeldename and Kennwort, then select Anmelden.
- To register, choose Neu eintragen. Complete the required contact details, accept the data-processing and privacy statement, and select Weiter.
- If you have forgotten your access details, choose Zugangsdaten per E-Mail zusenden and follow the prompts.
Independent insurance support in English
NEOdirect is an independent insurance broker in Germany. Our English-speaking team can help explain German cover types and discuss options in the context of your wider insurance needs. Car insurance is arranged for clients whose wider cover we look after, rather than as a single policy in isolation.
Car insurance in Germany: FAQs
Costs depend on factors such as the vehicle, driver details, annual mileage, no-claims class, selected cover and deductible. Calculator results are estimates based on the information entered; the insurer confirms the final premium and terms.
Haftpflicht covers damage you cause to others and is required for car registration. Teilkasko covers specified damage to your own car, such as certain theft, fire or glass claims. Vollkasko generally includes Teilkasko and can add cover for at-fault damage to your own car and vandalism. Policy terms vary.
Third-party liability (Kfz-Haftpflicht) is required before you can register a car. Partial and fully comprehensive cover are optional additions, subject to each policy’s terms.
Have the vehicle details, driver information, expected annual mileage and any current Schadenfreiheitsklasse or no-claims documentation available. The form shows which details it needs for your vehicle category.
The calculator interface is in German. You can use your browser’s translation feature, and NEOdirect’s team can provide support in English.