What did the Verivox survey find?

More than 60% of German drivers reported higher premiums for 2025, and another 22% felt indirect increases through pricier repairs and parts. The poll points to repair parts inflation, longer workshop times, and electronics costs feeding into renewals, while GDV says motor insurers have returned to profit.

Why are German car insurance premiums rising?

Parts and repair bills increased after supply issues and complex vehicle tech pushed up claim costs. Workshops raised hourly rates, and claims frequency normalized after pandemic lows. Insurers passed these costs into pricing to protect margins and solvency, leading to broad insurance premium increases at renewal.

How does this affect insurers in 2025?

Rate actions taken in 2024 and early 2025 are still earning through, which supports margins. GDV indicates the sector returned to profit, suggesting pricing discipline held. Risks include fresh parts inflation, adverse court rulings, and weather losses, which could erode the gains if they accelerate.

What can drivers in Germany do to lower costs?

Shop early, compare multiple offers, and consider annual payment to avoid fees. Review deductibles and remove unneeded add-ons, but keep essential cover. Telematics and garage binding can help safe, low-mileage drivers. Keep mileage and vehicle data current so quotes reflect your real risk profile.

Global Market Insights

Verivox Survey February 16: German Auto Insurance Costs Jumped in 2025

ByDanny Kontos February 17, 2026February 17, 2026

According to a new Verivox survey on 16 February, German car insurance costs rose again in 2025. More than 60% of drivers reported premium increases, and many others felt higher costs through pricier repairs and parts. The Verivox survey highlights how repair parts inflation and rising workshop rates flowed into policies. For investors, the data suggests pricing discipline is holding, while consumers feel the squeeze. Industry group GDV indicates motor insurers have returned to profit, pointing to firmer margins in the near term.