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Your customized auto insurance options include all the features required for expats living in Germany. Clements makes it easy to obtain the right auto insurance to meet your needs. Even if you have no prior driving experience in Germany and are a new resident, we can insure you and your vehicle.
All insurance documentation is in English
English-speaking customer service representatives
US, UK, International, EU, and Provisional driver’s licenses accepted
No established residency or driving experience in Germany required
Physical damage and local third-party liability coverage are bundled together eliminating the need to source a local German insurance policy
Additional Coverage Benefits
Complimentary windshield replacements
Protection against collision, theft, and damage
Your Physical Damage insurance rate stays the same even after your first accident
Clements Physical Damage coverage can travel with you to other countries
Towing and labor reimbursement up to $100 USD per disablement and up to $300 USD per policy term
Transit coverage for your car, from departure from one country to arrival in the next, available for government clients only
Damage to your car resulting from riots, strikes, terrorism, and other perils are covered through Clements’ exclusive Political Violence insurance extension
All vehicle policies that include Physical Damage coverage will cover the cost of rental car insurance for $12 USD/day up to 21 days per policy period when renting a car in the US, Canada, or your home country
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Diplomat in Denmark
Is German Car Insurance Expensive?
Car insurance in Germany is typically more expensive than other countries due to a few factors including the cost of repairs, strict liability laws, and Germany’s “no-fault” system, meaning regardless of who is at fault for an accident, the driver is responsible for taking care of injuries and damage to others and their property. This system was designed to quickly resolve problems related to accidents.
There are also individual circumstances that can affect the cost of car insurance in Germany, including:
- Vehicle type. Luxury cars generally have higher insurance costs.
- Driver’s age. Younger drivers may be subject to higher rates.
- Driver’s history. Accidents or traffic violations on a driver’s history may increase rates.
- Coverage level. A driver will pay less for minimum third-party liability coverage but more for higher levels of coverage, such as comprehensive. The trade off is that higher rates associated with comprehensive ensure damage to the policy holder’s vehicle is covered.
- Vehicle location. Urban settings typically have higher insurance rates than rural areas.
- Annual mileage. Rates increase with the amount driven and conversely will go down the less you drive. Some insurers offer an occasional driver discount if the annual mileage does not exceed a certain amount.
FAQ About Car Insurance in Germany
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