Calculating Car Insurance Premium

Accident-free history (SF grade)

n Germany, insurance premium varies depending on the history of accidents.

What is SF grade (Schadenfreiheitsklasse)?
If there is no accident in that year, the SF grade will be raised by one level the following year. The higher the SF grade, the cheaper the insurance premium will be.

Car model and model year

Insurance premium varies depending on which car model and model year you choose.
The frequency of accidents caused by the same model in Germany in the previous year also affects insurance premiums.

Compensation details

In Germany, there are mandatory liability insurance and optional insurance.
Premium varies depending on the insurance to be added. Please see „Car Insurance Coverage” for details of compensation .

Area of residence

Insurance premium varies depending on the frequency of accidents happened in your area in the previous year.

Annually planned mileage

Insurance premium is calculated according to the mileage.

Driver‘s range

Insurance premium varies depending on the range of people covered by insurance. If you are under the age of 23 and become a driver, your insurance premium will increase.

Presence of children under 16

You might get discounted if you have children.