The auto insurance industry in Germany is a robust sector focusing on safeguarding vehicle owners from financial loss due to accidents, theft, and other incidents. It showcases a mix of established insurance giants and agile startups. Companies offer various products including liability coverage, full and partial protection, and innovative pay-as-you-drive models. As technology advances, a shift towards digital platforms for policy management and claims processing is evident. Moreover, a growing emphasis on insuring electric vehicles reflects broader trends in sustainable transportation.


This list highlights top auto insurance companies in Germany, ranging from historic firms like Huk-coburg and WGV Versicherung, to newer players such as FRIDAY Insurance. Most companies are privately owned, with workforce sizes varying from small agencies of fewer than 50 to large organizations employing over 10,000. These firms originated from as early as 1904 and cater to individual and business clients. They specialize in standard vehicle insurance, e-scooter coverage, and customizable plans, providing a variety of innovative options in the evolving insurance market.


Read on to discover the top auto insurance companies in Germany.


Top 20 Auto Insurance Companies in Germany


1. Huk-coburg

  • Website: huk.de
  • Ownership type: Private
  • Headquarters: Coburg, Bavaria, Germany
  • Employee distribution: Germany 100%
  • Founded year: 1933
  • Headcount: 10001+
  • LinkedIn: huk-coburg

Huk-coburg, founded in 1933 and based in Coburg, Bavaria, Germany, is a private insurance company that specializes in a broad spectrum of insurance products, with a strong emphasis on auto insurance. The company serves individual consumers, providing them with financial protection against various risks. Huk-coburg's auto insurance offerings include standard vehicle coverage, telematics options, and specialized policies for electric vehicles and classic cars. They also cater to a range of mobility needs, including insurance for e-scooters and motorcycles. The company operates with a customer-centric model, enabling clients to manage their policies and claims online, which enhances user experience and satisfaction. Huk-coburg is fully operational in Germany, employing over 10,000 individuals, and has established a reputation for reliability and service in the insurance market.


2. WGV Versicherung

  • Website: wgv.de
  • Ownership type: Private
  • Headquarters: Stuttgart, Baden-Württemberg, Germany
  • Employee distribution: Germany 100%
  • Founded year: 1921
  • Headcount: 1001-5000
  • LinkedIn: wgv-versicherung

WGV Versicherung, or Württembergische Gemeinde-Versicherung a. G., is an insurance provider based in Stuttgart, Germany. Established in 1921, the company has built a solid reputation over the decades, offering a wide array of insurance products that include auto, health, liability, and property insurance. WGV primarily serves municipalities, public service employees, and private individuals, providing essential coverage to manage risks and protect against financial losses. The company is particularly noted for its auto insurance offerings, which cater to various vehicle types, including cars, motorcycles, and even e-scooters. WGV Versicherung emphasizes affordability and customer satisfaction, claiming significant savings for policyholders. Their active engagement in the community and commitment to social responsibility further underline their role in the insurance industry. With over 1.15 million insurance contracts, WGV Versicherung remains a relevant player in the German insurance market.


3. Verti Versicherung AG

  • Website: verti.de
  • Ownership type: Private
  • Headquarters: Teltow, Brandenburg, Germany
  • Employee distribution: Germany 99%, Other 1%
  • Founded year: 1996
  • Headcount: 501-1000
  • LinkedIn: verti-versicherung-ag

Verti Versicherung AG, founded in 1996 and based in Teltow, Brandenburg, Germany, is a private insurance company that specializes in direct insurance services. The firm offers a range of products, prominently featuring auto insurance, motorcycle insurance, and liability insurance. With a workforce of approximately 500 to 1000 employees, Verti operates primarily online, providing customers with tools to easily calculate quotes, manage their policies, and report claims. The company has positioned itself as a competitive player in the auto insurance market, particularly noted for its affordability and customer service. Verti has also been recognized for its commitment to sustainability, integrating social responsibility into its business practices. The company has not reported any recent funding, indicating a stable operational model without reliance on external financial support.


4. Allianz Direct

  • Website: allianzdirect.de
  • Ownership type: Private
  • Headquarters: Munich, Bavaria, Germany
  • Employee distribution: Germany 29%, Netherlands 29%, Spain 19%, Other 23%
  • Founded year: 2019
  • Headcount: 201-500
  • LinkedIn: allianzdirect

Allianz Direct Versicherungs-AG, based in Munich, Bavaria, Germany, is an insurance company that specializes in providing a variety of insurance products, with a strong emphasis on auto insurance. Founded in 2019, the company has quickly made a name for itself by offering comprehensive car insurance options, including Kfz-Haftpflicht (liability), Teilkasko (partial coverage), and Vollkasko (comprehensive coverage). Allianz Direct primarily serves individual consumers, aiming to protect them against financial risks associated with accidents and damages. The company operates through an efficient online platform, allowing customers to easily calculate their insurance contributions and manage their policies. Allianz Direct has garnered attention for its customer service, receiving accolades for high satisfaction ratings and being recognized as a top provider in various industry comparisons. With a workforce of around 787 employees and a presence in multiple European countries, Allianz Direct is positioned to compete effectively in the auto insurance market.


5. FRIDAY Insurance

  • Website: friday.de
  • Ownership type: Venture Capital
  • Headquarters: Berlin, Berlin, Germany
  • Employee distribution: Germany 65%, Poland 26%, Luxembourg 9%
  • Latest funding: $127.7M, March 2019
  • Founded year: 2017
  • Headcount: 51-200
  • LinkedIn: fri-day

FRIDAY Insurance, based in Berlin, Germany, is an insurance provider that specializes in a range of products, with a strong emphasis on auto insurance. Founded in 2017, the company operates primarily online, offering customers a seamless digital platform to manage their insurance needs. FRIDAY's product offerings include various auto insurance options such as Kfz-Haftpflicht, Teilkasko, and Vollkasko, as well as innovative features like the 'Zahl-pro-Kilometer' model, which allows customers to pay based on their actual driving distance. This model not only promotes cost savings for infrequent drivers but also aligns with the growing trend towards personalized insurance solutions. The company has expanded its portfolio to include home, liability, accident, and legal protection insurance, demonstrating its ambition to cater to a broader market. With a workforce of around 123 employees and significant venture capital backing of approximately €127 million, FRIDAY Insurance is positioned for growth and innovation in the insurance industry.


6. CosmosDirekt

  • Website: cosmosdirekt.de
  • Ownership type: Private
  • Headquarters: Saarbrücken, Saarland, Germany
  • Employee distribution: Germany 100%
  • Founded year: 1950
  • Headcount: 1001-5000
  • LinkedIn: cosmosdirekt

CosmosDirekt, based in Saarbrücken, Germany, is a private insurance company founded in 1950. It specializes in a wide array of insurance products, including life, health, and vehicle insurance, alongside financial services. The company operates on a direct-to-consumer model, which allows for streamlined communication and support, making it easier for clients to access the coverage they need. With a workforce of around 1,001 to 5,000 employees, CosmosDirekt has a significant presence in the German insurance market. They have been recognized for their customer service and satisfaction, particularly in the auto insurance sector, where they offer products such as car, motorcycle, and e-scooter insurance. Their commitment to customer engagement and satisfaction is reflected in their various awards and ratings, positioning them as a relevant player in the auto insurance industry.


7. Sparkassen DirektVersicherung AG


Sparkassen DirektVersicherung AG, based in Düsseldorf, North Rhine-Westphalia, Germany, is a private insurance company founded in 1996. The firm offers a comprehensive suite of insurance products, with a strong emphasis on auto insurance, including standard vehicle coverage, electric vehicle insurance, and specialized policies for classic and vintage cars. They also provide health, home, and liability insurance, catering to the needs of individual consumers and families. Sparkassen DirektVersicherung AG operates a user-friendly customer portal, allowing clients to manage their insurance needs conveniently. The company prides itself on its customer service, achieving a remarkable 98% satisfaction rate among its clientele. Their innovative solutions, such as a mobile app for reporting claims, further enhance their service offerings, positioning them as a competitive player in the insurance industry.


8. PRINAS MONTAN GmbH Versicherungsvermittler


PRINAS MONTAN GmbH Versicherungsvermittler, based in Essen, North Rhine-Westphalia, Germany, is an insurance brokerage firm founded in 1965. With a workforce of 51-200 employees, the company has built a reputation for offering a wide array of insurance products, including auto, health, and property insurance. They cater to both individual consumers and businesses, providing customized solutions to meet specific insurance needs. The firm prides itself on its commitment to personal consultation and independent advice, ensuring clients receive optimal coverage options. With a strong emphasis on customer satisfaction, PRINAS MONTAN has served over 200,000 clients and collaborates with 96 different insurers, showcasing their extensive reach and expertise in the insurance market. Their approach is characterized by a focus on trust and transparency, as they are not tied to any specific insurer, allowing them to offer unbiased recommendations to their clients.


9. RCI Banque S.A. Niederlassung Deutschland


RCI Banque S.A. Niederlassung Deutschland, known as Mobilize Financial Services, is a financial services provider based in Neuss, North Rhine-Westphalia, Germany. Founded in 1947, the company has carved out a niche in automotive financing and insurance. It offers a comprehensive suite of products tailored to meet the mobility needs of both individual consumers and businesses. Their services include leasing, financing, and a range of insurance options specifically designed for vehicles, bicycles, and e-scooters. Mobilize Financial Services operates closely with car dealerships, particularly those of Renault and Dacia, to provide seamless insurance solutions at the point of sale. This approach not only simplifies the purchasing process for customers but also ensures that they receive tailored coverage that aligns with their specific needs. The company has received accolades for its customer service and innovative financial solutions, further solidifying its position in the automotive finance and insurance sector.


10. MIRASCON Group


MIRASCON Group, officially known as MIRASCON Versicherungsagentur GmbH, is an insurance agency based in Cologne, Germany. Founded in 1993, the company has dedicated itself to serving US military personnel, their families, and expatriates with a range of insurance products. These include auto insurance, motorcycle insurance, renters insurance, and marine insurance. With a workforce of 11-50 employees, MIRASCON operates in multiple countries, focusing on the specific needs of military and NATO forces. Their commitment to providing English-speaking customer service and localized support at major military facilities enhances their appeal to their target audience. Over the years, they have built a solid foundation in the insurance sector, emphasizing personalized service and quick response times for claims and inquiries.


11. Huk24

  • Website: huk24.de
  • Ownership type: Private
  • Headquarters: Coburg, Bavaria, Germany
  • Employee distribution: Germany 100%
  • Founded year: 2000
  • Headcount: 51-200
  • LinkedIn: huk24-ag

Huk24, based in Coburg, Bavaria, Germany, is a private insurance company that has been operational since 2000. It offers a wide array of insurance products, with a strong emphasis on auto insurance. The company caters to consumers seeking financial protection against various risks, including car, health, and liability insurance. Huk24 operates primarily online, enabling customers to manage their insurance needs conveniently and efficiently. Their product lineup includes not only standard car insurance but also specialized coverage for electric vehicles, motorcycles, and e-scooters. This focus on digital services and customer convenience positions Huk24 as a relevant player in the auto insurance sector, appealing to a tech-savvy clientele.


12. GVV Versicherungen

  • Website: gvv-direkt.de
  • Ownership type: Private
  • Headquarters: Germany
  • Employee distribution: Germany 100%
  • Founded year: 1911
  • Headcount: 201-500
  • LinkedIn: gvv-direkt

GVV Versicherungen, operating under the brand GVV Direkt, is a private insurance company based in Germany. Founded in 1911, it has established itself as a reliable provider of various insurance products, including vehicle, liability, and property insurance. The company primarily serves consumers seeking dependable coverage to mitigate financial losses from accidents and damages. GVV Direkt prides itself on blending digital efficiency with personal expertise, allowing them to offer tailored insurance solutions. Their product portfolio includes a wide array of vehicle insurance options, such as auto, motorcycle, and e-scooter insurance, reflecting their responsiveness to evolving consumer needs. GVV has also been recognized for its high-quality customer service, receiving awards for its customer hotline and overall service excellence, which further underscores its commitment to client satisfaction.


13. AdmiralDirekt

  • Website: admiraldirekt.de
  • Ownership type: Private
  • Headquarters: Neunkirchen, North Rhine-Westphalia, Germany
  • Employee distribution: Germany 100%
  • Founded year: 2007
  • Headcount: 51-200
  • LinkedIn: admiraldirekt

AdmiralDirekt.de GmbH, founded in 2007 and based in Neunkirchen, North Rhine-Westphalia, Germany, is a private insurance company that provides a range of insurance products. While it offers various types of insurance, its primary focus is on auto insurance, including standard car insurance, electric vehicle coverage, and specialized policies for e-scooters and mopeds. The company operates primarily through digital platforms, allowing customers to easily access services and manage their policies online. AdmiralDirekt is a wholly-owned subsidiary of Itzehoer Versicherungen, which adds a layer of stability and credibility to its operations. The firm emphasizes customer service, with features like a 24/7 digital service and a dedicated hotline for legal advice, enhancing its appeal to consumers seeking reliable insurance solutions.


14. Barmenia Versicherungen

  • Website: barmenia.de
  • Ownership type: Private
  • Headquarters: Wuppertal, North Rhine-Westphalia, Germany
  • Employee distribution: Germany 100%
  • Founded year: 1904
  • Headcount: 1001-5000
  • LinkedIn: barmenia-versicherungen

Barmenia Versicherungen, based in Wuppertal, North Rhine-Westphalia, Germany, is a private insurance company founded in 1904. With a workforce of between 1,001 and 5,000 employees, Barmenia specializes in a wide array of insurance products, including health, life, property, and notably, auto insurance. The company serves individual consumers, providing essential financial protection against various risks, including those associated with vehicles. Barmenia's offerings in the auto insurance sector include Kfz-Versicherung, motorcycle insurance, and additional coverage options tailored to meet the needs of different drivers. Their commitment to customer service is evident through their accessible consultation services and user-friendly online platforms. Barmenia is part of the BarmeniaGothaer group, which may enhance its operational strength and market reach. The company operates exclusively in Germany, ensuring a focused approach to its customer base.


15. BGV Badische Versicherungen

  • Website: bgv.de
  • Ownership type: Private
  • Headquarters: Karlsruhe, Baden-Württemberg, Germany
  • Employee distribution: Germany 98%, Austria 2%
  • Founded year: 1923
  • Headcount: 501-1000
  • LinkedIn: bgv-badische-versicherungen

BGV Badische Versicherungen, established in 1923, is a private insurance company located in Karlsruhe, Baden-Württemberg, Germany. The company provides a comprehensive range of insurance products, including property, accident, liability, car, and legal protection insurance. BGV serves both private individuals and businesses, with a particular emphasis on municipalities, offering essential risk management solutions to protect against various liabilities and unforeseen events. With a workforce of approximately 278 employees, BGV is well-positioned to cater to the needs of its clients. The company is dedicated to active risk management and damage prevention, ensuring that their clients receive not only coverage but also support in minimizing potential risks. Their commitment to customer service is evident through their various contact points and local advisors, making them a reliable choice for auto insurance in the region.


16. Janitos Versicherung AG

  • Website: janitos.de
  • Ownership type: Private
  • Headquarters: Heidelberg, Baden-Württemberg, Germany
  • Employee distribution: Germany 100%
  • Founded year: 2005
  • Headcount: 51-200
  • LinkedIn: janitos-versicherung-ag

Janitos Versicherung AG, founded in 2005 and based in Heidelberg, Baden-Württemberg, Germany, is a private insurance company that provides a variety of insurance products. These include liability, health, and vehicle insurance, with a particular emphasis on auto insurance. Janitos caters to individuals, families, and professionals, offering customized coverage options designed to protect against various risks. The company operates primarily in Germany and Austria, focusing on delivering reliable insurance solutions. Their Kfz-Versicherung (auto insurance) products are notable for features like coverage for gross negligence and flexible options for second vehicles. Janitos is committed to customer service, providing online claims reporting and a responsive support system, which enhances their appeal in the competitive insurance market.


17. Neodigital Versicherung AG

  • Website: neodigital.de
  • Ownership type: Venture Capital
  • Headquarters: Sankt Ingbert, Saarland, Germany
  • Employee distribution: Germany 100%
  • Latest funding: December 2021
  • Founded year: 2017
  • Headcount: 51-200
  • LinkedIn: neodigital-ag

Neodigital Versicherung AG, established in 2017 and based in Sankt Ingbert, Saarland, Germany, is an insurance company that specializes in digital insurance solutions. With a workforce of approximately 86 employees, the company targets consumers with a range of products, including private liability, household, and vehicle insurance. Neodigital stands out for its focus on online management of insurance policies, allowing customers to handle their insurance needs conveniently through a digital platform. Their offerings include Kfz-Versicherung (auto insurance) and a telematics option that rewards safe driving with potential discounts. The company is committed to sustainability, aiming to reduce paper usage by providing all documentation digitally. Neodigital's innovative approach positions it as a modern alternative in the insurance market, appealing to tech-savvy consumers looking for efficient and eco-friendly solutions.


18. KRAVAG Versicherung

  • Website: kravag.de
  • Ownership type: Private
  • Headquarters: Hamburg, Hamburg, Germany
  • Employee distribution: Germany 100%
  • Founded year: 1950
  • Headcount: 501-1000
  • LinkedIn: kravag

KRAVAG Versicherung, based in Hamburg, Germany, has been providing vehicle and logistics insurance since its inception in 1950. The company serves both individual consumers and businesses, particularly in the logistics sector. Their product range includes car liability insurance, partial and full coverage options, and specialized logistics insurance. KRAVAG also offers innovative services such as an online platform for vehicle registration and damage reporting, enhancing customer convenience. With a workforce of around 501 to 1000 employees, the company operates entirely within Germany, demonstrating a strong commitment to the local market. Their focus on the logistics industry and vehicle insurance underscores their relevance in the auto insurance sector.


19. wefox Group (wefox & ONE)

  • Website: wefoxgroup.com
  • Ownership type: Private
  • Headquarters: Berlin, Berlin, Germany
  • Founded year: 2015
  • Headcount: 501-1000
  • LinkedIn: wefox-group

wefox Group, based in Berlin, Germany, is an insurance provider that specializes in various insurance products, including car and liability insurance. Founded in 2015, the company has positioned itself as a digital-first insurer, allowing customers to manage their policies and file claims online. This approach not only streamlines the customer experience but also reflects a shift in the insurance industry towards more technology-driven solutions. Wefox serves both individual consumers and businesses, providing financial protection against various risks. The company operates under the regulatory oversight of financial authorities in Germany and Liechtenstein, ensuring compliance and consumer trust. With a workforce of around 379 employees, wefox is actively engaged in the insurance market, adapting to changing customer expectations and industry standards.


20. GVV-Kommunalversicherung VVaG

  • Website: gvv.de
  • Ownership type: Private
  • Headquarters: Cologne, North Rhine-Westphalia, Germany
  • Employee distribution: Germany 100%
  • Founded year: 1911
  • Headcount: 201-500
  • LinkedIn: gvv-kommunalversicherung-vvag

GVV-Kommunalversicherung VVaG, based in Cologne, Germany, is a private insurance company that has been operational since 1911. It specializes in a variety of insurance products, prominently featuring vehicle insurance, including auto, motorcycle, and e-scooter coverage. The company operates through a direct service model, allowing customers to access insurance solutions easily. GVV is particularly known for its focus on the public service sector, providing tailored insurance products that meet the specific needs of this demographic. The company has received recognition for its customer service, including awards for having one of the best customer hotlines. This emphasis on service quality and customer engagement positions GVV as a relevant player in the auto insurance market, catering to a niche yet significant audience.



Auto Insurance Insights: Key Companies in Germany


CompanyHeadquarterSizeFoundedOwnership
Huk-coburgCoburg, Bavaria, Germany10001+1933Private
WGV VersicherungStuttgart, Baden-Württemberg, Germany1001-50001921Private
Verti Versicherung AGTeltow, Brandenburg, Germany501-10001996Private
Allianz DirectMunich, Bavaria, Germany201-5002019Private
FRIDAY InsuranceBerlin, Berlin, Germany51-2002017Venture Capital
CosmosDirektSaarbrücken, Saarland, Germany1001-50001950Private
Sparkassen DirektVersicherung AGDüsseldorf, North Rhine-Westphalia, Germany51-2001996Private
PRINAS MONTAN GmbH VersicherungsvermittlerEssen, North Rhine-Westphalia, Germany51-2001965Private
RCI Banque S.A. Niederlassung DeutschlandNeuss, North Rhine-Westphalia, Germany201-5001947Private
MIRASCON GroupCologne, North Rhine-Westphalia, Germany11-501993Private
Huk24Coburg, Bavaria, Germany51-2002000Private
GVV VersicherungenGermany201-5001911Private
AdmiralDirektNeunkirchen, North Rhine-Westphalia, Germany51-2002007Private
Barmenia VersicherungenWuppertal, North Rhine-Westphalia, Germany1001-50001904Private
BGV Badische VersicherungenKarlsruhe, Baden-Württemberg, Germany501-10001923Private
Janitos Versicherung AGHeidelberg, Baden-Württemberg, Germany51-2002005Private
Neodigital Versicherung AGSankt Ingbert, Saarland, Germany51-2002017Venture Capital
KRAVAG VersicherungHamburg, Hamburg, Germany501-10001950Private
wefox Group (wefox & ONE)Berlin, Berlin, Germany501-10002015Private
GVV-Kommunalversicherung VVaGCologne, North Rhine-Westphalia, Germany201-5001911Private


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