How Much Does Liability Insurance Cost in Germany: Overview

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Are you an expat or an international student planning your stay in Germany? You might wonder, “How much does liability insurance cost in Germany?” This crucial aspect of financial protection, often known as personal liability insurance or private liability insurance, is something you shouldn’t overlook.

There are many liability insurance providers in Germany, but some of the best are Getsafe, Feather, and AXA.

In this article, we’ll discuss liability insurance’s cost and significance in Germany. We’ll explore liability coverage, key insurance providers, and the need for this coverage, helping you navigate the intricacies of insurance in Germany.

Also read: 5 Best German Health Insurance in 2023

Cost Of The Liability Insurance In Germany

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Liability insurance in Germany, often referred to as “personal liability insurance” or “private liability insurance,” is not mandatory for most individuals except when registering vehicles.

However, it is highly advisable due to its protection against financial responsibilities and stress resulting from accidents. The cost of liability insurance in Germany depends on factors like coverage, self-contribution, and additional services the insurance company provides.

According to allaboutberlin.com, the average monthly premiums range from €2 to €5, totaling around €60 annually. Opting for the cheapest liability insurance may involve lower coverage or a self-contribution, which isn’t recommended.

Moreover, Lemonade Insurance says Germans usually hold around six insurance policies, spending approximately €1,500 yearly on various types of insurance, including health and legal insurance. To ensure the best liability coverage in Germany, assessing your needs and choosing a reputable insurance provider is crucial.

Related article: German Public Health Insurance: All You Need To Know

Factors That Affect the Cost of Liability Insurance

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Consider various factors when seeking liability insurance in Germany. Understanding these influences aids in making informed decisions for individuals and businesses purchasing coverage.

1. Type of Liability Insurance

The specific liability insurance you need can significantly affect the cost. In Germany, common types include personal liability, professional liability insurance, third-party liability insurance, dog liability insurance, and more. Each type may have different premium rates based on the risks of that particular category.

2. Coverage Limits

The coverage limits in your liability insurance contract are crucial. Higher coverage limits typically lead to higher premiums, as they offer more extensive protection against potential claims.

3. Risk Profile

Your personal or business risk profile plays a vital role. Insurance companies assess your risk factors, such as your occupation, past insurance claims, and location, to determine the liability insurance cost. For instance, a professional with a higher-risk job might pay more for professional liability insurance.

4. Location

The region in Germany where you live or operate your business can impact your insurance rates. Urban areas may have higher insurance costs due to increased risks and the potential for more claims.

5. Claims History

Your history of claims with your insurance company, both in frequency and severity, can influence your liability insurance premium. A history of frequent claims may lead to higher costs.

6. Deductibles

The deductible is the amount you agree to pay out of pocket before your liability insurance covers a claim. Higher deductibles can lower your premiums, but you must be prepared to pay more in the event of a claim.

7. Coverage Extensions

Depending on your specific needs, you may opt for additional coverage extensions, such as legal insurance or pet liability insurance. These extensions will add to the overall cost of your liability insurance.

8. Bundling Policies

Insurance companies often offer discounts for customers who bundle multiple insurance policies, such as combining liability insurance with health insurance or other types of coverage.

9. Age and Experience

In the case of personal liability insurance, your age and experience can influence the cost. Younger individuals or those with less experience may face higher premiums.

10. Choice of Insurance Company

Different insurance companies may offer varying rates for similar liability insurance coverage. It’s essential to shop around and compare quotes from different insurers to find the best liability insurance for your needs at the most competitive price.

Note: The cost of liability insurance in Germany is determined by a combination of factors that include the type of insurance, coverage limits, risk profile, location, claims history, deductibles, optional extensions, bundling options, age, and the choice of insurance company. Evaluating these factors and tailoring your policy to your needs can help you find the most suitable and cost-effective liability insurance solution.

Related article: Cheapest Car Insurance in Germany: A Guide

The Best Liability Insurance Providers in Germany

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In Germany, numerous liability insurance providers offer a range of options, including health insurance, legal insurance, third-party liability insurance, and dog liability insurance.

However, it’s essential to choose wisely, as not all German insurance companies provide exceptional value for your money.

Some insurers may resort to unjustified claims or may not cover all your treatment costs as per the insurance contract. To ensure you get the best value, carefully assess the reputation, coverage, and customer reviews of liability insurance providers.

Finding a trustworthy and reliable provider is key to securing the protection you need while maximizing your investment.

Some of the best liability insurance providers in Germany include Getsafe, Feather, and AXA.


Getsafe is a notable German insurance company providing a wide range of important insurance, including health insurance, homeowners insurance, and liability insurance, both within Germany and worldwide coverage.

Their primary focus is safeguarding its policyholders from financial loss and unexpected damage costs. It offers comprehensive insurance policies that ensure peace of mind and security for individuals and their families.

Getsafe’s monthly payments are comparatively cheap, making essential coverage accessible to a broader audience. Moreover, clients are mostly very happy with Getsafe insurance offers; you can read them here

Cost of Liability Insurance:

According to simplegermany.com, the cost of liability insurance with Getsafe starts at €2.94 per month for a single person, and coverage can go up to €50 million with their premium cover. The premium cover also pays the purchase price of a damaged item not older than 12 months, not only the time value.

The cost of liability insurance can vary depending on the coverage amount, deductible, and add-ons, such as coverage for family members or drone damages


  • Wide Range of Coverage: Getsafe offers a variety of insurance policies, including health insurance, homeowners insurance, and liability insurance, ensuring that policyholders have their important insurances consolidated under one provider.
  • Affordability: The monthly payments for Getsafe’s insurance policies are comparatively cheap, making them accessible to a broad range of individuals and preventing the risk of complete financial ruin due to unexpected damage costs or medical bills.
  • Worldwide Coverage: Getsafe’s insurance policies come with the advantage of worldwide coverage, which benefits those who travel frequently or have international ties.


  • Limited Customization: While Getsafe provides various insurance options, some policyholders may find the degree of customization limited compared to other providers.
  • Exclusions and Limits: Like any insurance company, Getsafe’s insurance policies have specific exclusions and limits that policyholders should know to avoid potential surprises when filing claims.
  • Lost Keys Coverage: The company does not cover lost keys, which may be a drawback for some individuals looking for such coverage in their household insurance policy.

Feather Insurance

Feather Insurance is an English-speaking insurance brokerage operating in Germany that provides a range of insurance products, including personal liability insurance, household contents insurance, bike insurance, life insurance, disability coverage, and legal insurance. They cater to expatriates and English-speaking residents in Germany.

Insurance Cost

According to the Feather Insurance website, the cost of personal liability insurance in Germany, known as third-party liability insurance, starts at €4.94 per month. This insurance policy ensures that insurance pays for liability-related expenses and damages.


  • Comprehensive Personal Liability Insurance: Feather’s personal liability insurance offers extensive coverage, protecting policyholders from various liability-related expenses, including damages up to €50 million.
  • English Support and User-Friendly Digital Platform: Feather offers 100% English support and a user-friendly digital platform, simplifying the management of policies and the claims process for non-German speakers.
  • Well-Reviewed Customer Service: Feather’s customer service is well-reviewed, ensuring policyholders receive assistance and information promptly.


  • Higher Cost: Feather’s personal liability insurance, while comprehensive, is relatively more expensive compared to other providers, with policies starting at €4.94 per month.
  • Lack of Fixed Policy Duration: Feather does not offer policies with fixed durations, which may be a drawback for individuals seeking more predictability in their insurance coverage.

Also read: Insurance in Germany: Feather Review

AXA Insurance

AXA is a well-established and reputable insurance company in Germany that offers various insurance products, including personal liability insurance, household insurance, health insurance, and commercial third-party liability insurance. This response will focus on AXA’s personal liability insurance in Germany.

Cost of Liability Insurance:

AXA’s website says that its personal liability insurance policies start at just 1.73 euros per month, including coverage for property damage and injury costs. These policies have a small deductible and cover damage per German law, offering a cost-effective solution for individuals seeking reliable protection.


  • Affordability: AXA’s personal liability insurance policies are cost-effective, with rates starting at just 1.73 euros per month. This accessibility allows individuals to safeguard themselves and their interests without straining their finances.
  • Reputation and Presence: AXA is a well-established and reputable insurance company with a strong presence in Germany, instilling confidence in policyholders that a reliable and trustworthy provider backs their insurance.
  • Diverse Insurance Offerings: AXA offers a range of insurance products catering to diverse needs, making it a one-stop solution for various insurance requirements, including key loss, accidental damages, and special coverage.


  • No information is available on any specific cons related to AXA’s personal liability insurance in Germany, indicating a favorable outlook for potential policyholders.

Related article: How To Change Car Insurance in Germany?

Reviews About The Liability Insurance Providers in Germany

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Compared to nearby countries, Germany has a robust tradition of liability insurance, deeming it one of the most important insurances within the nation. Although liability insurance is not mandatory in Germany, approximately 85% of the population chooses to have their insurance because of its significant benefits.

The cost of liability insurance in Germany is exceptionally affordable, typically amounting to no more than 50 EUR per year or a few EUR per month.

Notably, liability insurance in Germany covers damages for an unlimited amount, a provision not necessarily found in some neighboring countries.

German law-backed coverage includes rented apartment liability, accidental damages, contents insurance, key loss, and special incidents. Enjoy peace of mind without personal financial risk.

If you want to protect yourself against sudden accidents, sign up for accident insurance.

Moreover, to protect all your assets, you should sign for legal insurance. It will secure you against all claims, including at the workplace, personal life, or home.

Liability Insurance Reviews

  • A Reddit user shared their experience with Getsafe liability insurance and expressed disappointment with the customer service. Other users recommended sending a letter to Einschreiben and giving them a deadline (Frist) when you expect an answer.
  • All About Berlin recommends liability insurance as a really good idea in Germany, as there is no limit on damage claims, and you can be sued for millions of euros. They recommend using Tarifcheck to filter liability insurance by feature. They also recommend Getsafe and Feather as Germany’s best liability insurance providers.
  • A user on the Mavic Pilots forum asked for recommendations for liability insurance in Germany that is also valid in other European countries. Another user recommended Getsafe, which offers liability insurance that includes drones and has an English-speaking registration process and customer service.

Related article: 3 Best Personal Liability Insurance in Germany

Why You Should Get A Liability Insurance In Germany?

Getting liability insurance in Germany is a wise decision for several compelling reasons:

  1. Peace of Mind: Liability insurance provides security and peace of mind. Knowing you are financially protected against unforeseen incidents can alleviate stress and anxiety.
  2. Financial Protection: Liability insurance shields you from potentially devastating financial consequences. It covers the costs of legal fees, damages, and compensation, which could otherwise lead to substantial out-of-pocket expenses.
  3. Coverage of a Wide Range of Scenarios: Liability insurance in Germany is versatile. It safeguards you in various situations, such as accidents in a rented apartment, accidental damages to someone else’s property, or even legal claims against you. It offers comprehensive protection that extends to key loss and special coverage for incidents like accidentally run accidents.
  4. Compliance with German Law: While liability insurance is not mandatory in Germany, having it ensures compliance with German law and societal norms. Many Germans consider it a fundamental responsibility to have liability insurance due to the coverage it offers.
  5. Protection for Family and Loved Ones: Liability insurance often extends its protection to family members, covering them in the event they cause damage or injury to others. This safeguard ensures that your loved ones are financially secure as well.

Also read: Cheapest Private and Public Health Insurance in Germany

Final Thoughts About How Much Does Liability Insurance Cost in Germany

In conclusion, liability insurance in Germany is a valuable investment that can protect you from financial and legal risks. The cost of liability insurance in Germany is affordable and depends on various factors, such as the type, coverage, and insurance provider.

There are many liability insurance providers in Germany, but some of the best are Getsafe, Feather, and AXA. They offer comprehensive, flexible, and reliable liability insurance plans that suit different needs and situations.

If you want to know more about how much liability insurance costs in Germany, please click the links in this article. It will help you find the best liability insurance solution and support our blog.

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