Cars

The cheapest car insurance tariffs – AUTO BILD

Drivers can cancel their current vehicle insurance until November 30th and switch providers at the turn of the year. But the range of tariffs is confusing. Which insurers offer a good service package at a fair price? The comparison portal Verivox has evaluated insurance tariffs from around 70 different providers for AUTO BILD.

Compare tariffs yourself now!

The data was collected on November 2, 2021 from over 400 tariff offers. Telematics tariffs and regionally restricted offers were excluded. The five cheapest tariffs for seven different driver profiles were evaluated. To determine the savings potential, the costs of an average and the most expensive tariff were also determined. Only tariffs that include the following important services were taken into account:

The following tables show the results of the comparison for the seven driver profiles:

Profile 1: Student (21 years) *

Junction

1. Cosmos Direkt basic protection

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2. Cosmos Direkt Comfort protection

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3. Alliance Smart

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Junction

4. BGV / Badische Insurance Basis

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Junction

5. Bavaria Direkt Komfort L “online Police”

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Junction

average price

Junction

Junction

Most expensive tariff

Junction


Profile 2: Family (41.40) with young children *

Junction

1. HUK24 Classic

Junction

Junction

2. Cosmos Direkt basic protection

Junction

Junction

3. HUK24 Classic Kasko Plus

Junction

Junction

4. R + V24 comfort

Junction

Junction

5. Cosmos Direkt Comfort protection

Junction

Junction

average price

Junction

Junction

Most expensive tariff

Junction

Profile 3: Couple (51, 50) with adult children (21, 19) *

Junction

1. GVV Direkt Classic

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Junction

2. Hanse-Merkur Drive Easy

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3. GVV Direkt Classic with Kasko Plus

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Junction

4. Hanse-Merkur Drive Best

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Junction

5. VHV Classic Guarantor

Junction

Junction

average price

Junction

Junction

Most expensive tariff

Junction

Profile 4: Frequent drivers (44) *

Junction

1. Cosmos Direkt basic protection

Junction

Junction

2. HDI private tariff motor comfort

Junction

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3. HUK24 Classic

Junction

Junction

4. WEFOX Comfort

Junction

Junction

5. Cosmos Direkt Comfort protection

Junction

Junction

average price

Junction

Junction

Most expensive tariff

Junction

Profile 5: Retired couple (70, 66) *

Junction

1. R + V24 comfort

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Junction

2. R + V24 Premium

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3. HUK24 Classic

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4. VHV Classic Guarantor

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Junction

5. HUK24 Classic Kasko Plus

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Junction

average price

Junction

Junction

Most expensive tariff

Junction

Profile 6: Civil servant (41) & wife (36) *

Junction

1. HUK24 Classic

Junction

Junction

2. HUK24 Classic Kasko Plus

Junction

Junction

3. Cosmos Direkt basic protection

Junction

Junction

4. HUK Classic

Junction

Junction

5. VHV Classic Guarantor

Junction

Junction

average price

Junction

Junction

Most expensive tariff

Junction

Junction

1. HUK24 Classic

Junction

Junction

2. HUK24 Classic Kasko Plus

Junction

Junction

3. Cosmos Direkt basic protection

Junction

Junction

4. HUK Classic

Junction

Junction

5. Cosmos Direkt Comfort protection

Junction

Junction

average price

Junction

Junction

Most expensive tariff

Junction

The evaluation provides a good first overview of which insurers regularly offer good and cheap tariffs. In our seven model cases, tariffs from CosmosDirekt and HUK24 are particularly often among the top offers. In the end, however, the individual comparison is essential in order to find the best offer for you personally. Wolfgang Schütz from Verivox advises: “Motorists should now sound out the market for cheap offers. In the changing season at the end of the year, they will benefit from increased competition among insurers and thus from lower prices.”

This year the opportunity to save is twice as good: Because the prices for car insurance have fallen significantly compared to the previous year. On average, the tariffs are around four percent cheaper today than in 2020. In the low-priced segment, prices are as much as seven to eight percent below the previous year. Insurance expert Schütz explains the low prices as follows: “During the corona pandemic, many people worked in the home office or were temporarily on short-time work. They were therefore less likely to drive and the insurance companies therefore had to regulate significantly less accident claims than in previous years. With a slight delay, consumers will now also benefit from this – in the form of cheaper insurance rates. “

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