# How Much Does Insurance Cost in Germany? (2026)

> Catalogued premiums with the reference profile each was quoted on: GKV as a percentage of income, PKV rated on age and health, plus liability, contents, car, dental, legal expenses and pet.

By Jules de Bruin · URL: https://www.guide-germany.com/insurance/price-research

**The verdict** Of 164 tariffs in this catalogue, **102 publish a premium** and 62 do not. Health cover sits in the second group: **GKV** is a percentage of gross income rather than a price, and works out at **EUR 386.57 a month** at Techniker Krankenkasse on EUR 3,500 gross. **PKV** is rated on age and health. The voluntary lines, by contrast, are cheap: **personal liability from EUR 17.88 a year**, contents from EUR 27.64, dental from EUR 112.56. Every figure holds only for its reference profile.

## Every policy with a published premium

The table holds the 102 tariffs with a verified premium. Pick your line on the left, then rank by premium, rating or waiting period. Rows that do not match are greyed out rather than removed.

> Narrow it down

102 policies with a published premium.

Your line

Health cover (GKV and PKV)32Incoming and travel11Dental add-on11Liability18Car4Home and contents9Pet health7Legal expenses5Life and income5Filters grey out policies that do not match; every policy stays in the table so the page remains crawlable.

The short answer

The short answer: the cheapest policy here is State-paid GKV for benefit recipients (ALG I / Bürgergeld) at EUR 0/month.

Rank byPriceRatingWaiting

### chosen fund

5 policies

Price band

EUR 0 to EUR 278.17

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| State-paid GKV for benefit recipients (ALG I / Bürgergeld)Best hereOther | EUR 0per month | EUR 0 | 0 months | Voluntary statutory | [Get quote](https://www.krankenkassen.de/gesetzliche-krankenkassen/krankenkasse-beitrag/freiwillig-versichert-gkv/) |
| Familienversicherung (free family co-insurance)Other | EUR 0per month | EUR 0 | 0 months | Statutory | [Get quote](https://www.tk.de) |
| Studentische Krankenversicherung (KVdS) at any statutory fundOther | EUR 146.29per month | EUR 1,755.48 | 0 months | Voluntary statutory | [Get quote](https://www.barmer.de) |
| Freiwillige GKV for freelancers/self-employed (freiwillige Versicherung)Other | EUR 278.17per month | EUR 3,338.04 | 0 months | Voluntary statutory | [Get quote](https://www.tk.de) |
| Freiwillige GKV for non-employed / jobseekers without benefitsOther | EUR 278.17per month | EUR 3,338.04 | 0 months | Voluntary statutory | [Get quote](https://www.tk.de) |

### DR-WALTER-arranged incoming + TK/BARMER statutory

1 policy

Price band

EUR 0 to EUR 0

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Expatrio Value Package (DR-WALTER incoming + TK/BARMER GKV bundle)Best hereOther | EUR 0per month | EUR 0 | 0 months | International | [Get quote](https://www.expatrio.com/value-package) |

### AXA Versicherung AG

2 policies

Price band

EUR 1.49 to EUR 5.83

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Private Haftpflichtversicherung SBest herePersonal liability | EUR 1.49per month | EUR 17.88 | 0 months | Other | [Get quote](https://www.axa.de/pk/haftpflicht/p/private-haftpflichtversicherung) |
| Hausratversicherung S/M/LContents | EUR 5.83per month | EUR 70 | 0 months | Other | [Get quote](https://sicherheitsanker.de/hausratversicherung-huk/) |

### Allianz Direct Versicherungs-AG

1 policy

Price band

EUR 1.80 to EUR 1.80

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| PrivathaftpflichtBest herePersonal liability | EUR 1.80per month | EUR 21.60 | 0 months | Other | [Get quote](https://www.allianzdirect.de/privathaftpflicht/) |

### Württembergische Versicherung AG

1 policy

Price band

EUR 1.99 to EUR 1.99

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Privathaftpflicht L/XL/XXLBest herePersonal liability | EUR 1.99per month | EUR 23.92 | 0 months | Other | [Get quote](https://www.adam-riese.de/privathaftpflicht) |

### HUK24 AG

3 policies

Price band

EUR 2.30 to EUR 20.83

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Hausratversicherung ClassicBest hereContents | EUR 2.30per month | EUR 27.64 | 0 months | Other | [Get quote](https://www.huk24.de/hausratversicherung) |
| Privathaftpflicht ClassicPersonal liability | EUR 2.83per month | EUR 34 | 0 months | Other | [Get quote](https://www.huk24.de/privathaftpflichtversicherung) |
| Kfz Classic (Haftpflicht/Teilkasko/Vollkasko)Car | EUR 20.83per month | EUR 250 | 0 months | Other | [Get quote](https://www.finanztip.de/kfz-versicherung/) |

### Debeka Allgemeine Versicherung AG

1 policy

Price band

EUR 2.90 to EUR 2.90

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Privathaftpflicht BasisSchutz/PremiumSchutzBest herePersonal liability | EUR 2.90per month | EUR 34.80 | 0 months | Other | [Get quote](https://www.debeka.de/landingpages/sonstige/haftpflichtversicherung-familie.html) |

### Getsafe Insurance AG (own BaFin licence since 2021; licence return announced 2025, migrating to MGA/Assekuradeur model, see provider addendum)

1 policy

Price band

EUR 2.99 to EUR 2.99

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Liability insuranceBest herePersonal liability | EUR 2.99per month | EUR 35.88 | 0 months | Other | [Get quote](https://www.hellogetsafe.com/de-de) |

### Haftpflichtkasse VVaG

1 policy

Price band

EUR 3.07 to EUR 3.07

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Einfach Komplett HundehaftpflichtBest hereDog liability | EUR 3.07per month | EUR 36.89 | 0 months | Other | [Get quote](https://www.vergleichen-und-sparen.de/hundeversicherung/hundehaftpflicht/haftpflichtkasse/) |

### Wakam (verify per policy)

2 policies

Price band

EUR 3.25 to EUR 17.07

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| HundehaftpflichtBest hereDog liability | EUR 3.25per month | EUR 39 | 0 months | Other | [Get quote](https://www.lassie.de/) |
| Katzenkrankenversicherung MidiPet health, cat | EUR 17.07per month | EUR 204.84 | 1 months | Other | [Get quote](https://www.lassie.de/katzenkrankenversicherung) |

### Allianz Versicherungs-AG

2 policies

Price band

EUR 3.46 to EUR 5.50

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Privat-Haftpflichtversicherung BasisBest herePersonal liability | EUR 3.46per month | EUR 41.52 | 0 months | Other | [Get quote](https://www.allianz.de/recht-und-eigentum/privat-haftpflichtversicherung/) |
| Hausratversicherung Smart/Komfort/PremiumContents | EUR 5.50per month | EUR 66 | 0 months | Other | [Get quote](https://sicherheitsanker.de/hausratversicherung-huk/) |

### Getsafe (partner risk carrier)

1 policy

Price band

EUR 3.99 to EUR 3.99

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Dog liability insuranceBest hereDog liability | EUR 3.99per month | EUR 47.88 | 0 months | Other | [Get quote](https://www.hellogetsafe.com/de-de) |

### AGILA Haustierversicherung AG

2 policies

Price band

EUR 4.08 to EUR 19.44

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| HundehaftpflichtBest hereDog liability | EUR 4.08per month | EUR 48.96 | 0 months | Other | [Get quote](https://www.agila.de/) |
| Hundekranken-/OP-VersicherungPet health, dog | EUR 19.44per month | EUR 233.28 | 1 months | Other | [Get quote](https://www.agila.de/) |

### Zurich Insurance Europe AG

1 policy

Price band

EUR 4.11 to EUR 4.11

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| PrivatSchutz Haftpflicht Basis/TopBest herePersonal liability | EUR 4.11per month | EUR 49.32 | 0 months | Other | [Get quote](https://www.zurich.de/de-de/pk/haftpflicht-recht/privathaftpflicht) |

### Signal Iduna / partner insurers via brokerage (verify per policy)

1 policy

Price band

EUR 4.92 to EUR 4.92

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Personal liability insuranceBest herePersonal liability | EUR 4.92per month | EUR 59 | 0 months | Other | [Get quote](https://feather-insurance.com/blog/liability-insurance-germany-guide) |

### HUK-COBURG Allgemeine Versicherung AG

2 policies

Price band

EUR 5.17 to EUR 48.83

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Privathaftpflicht PH ClassicBest herePersonal liability | EUR 5.17per month | EUR 62 | 0 months | Other | [Get quote](https://www.huk.de/haus-haftung-recht/haftpflichtversicherung/familienhaftpflichtversicherung.html) |
| WohngebäudeversicherungBuildings, owner | EUR 48.83per month | EUR 586 | 0 months | Other | [Get quote](https://sicherheitsanker.de/wohngebaeudeversicherung-huk/) |

### ERGO Versicherung AG

3 policies

Price band

EUR 5.17 to EUR 60.75

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Hausrat Smart/KomfortBest hereContents | EUR 5.17per month | EUR 62 | 0 months | Other | [Get quote](https://sicherheitsanker.de/hausratversicherung-huk/) |
| Privat-Haftpflicht Smart/BestPersonal liability | EUR 6.34per month | EUR 76.06 | 0 months | Other | [Get quote](https://www.check24.de/privathaftpflicht/ergo/) |
| Wohngebäude Smart/KomfortBuildings, owner | EUR 60.75per month | EUR 729 | 0 months | Other | [Get quote](https://sicherheitsanker.de/wohngebaeudeversicherung-huk/) |

### HanseMerkur (verify per policy)

2 policies

Price band

EUR 5.50 to EUR 22.90

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| HundehaftpflichtBest hereDog liability | EUR 5.50per month | EUR 66 | 0 months | Other | [Get quote](https://www.petolo.de/hundehaftpflichtversicherung) |
| KatzenkrankenversicherungPet health, cat | EUR 22.90per month | EUR 274.80 | 1 months | Other | [Get quote](https://www.petolo.de/katzenkrankenversicherung) |

### Uelzener Versicherungs-Gesellschaft a.G.

1 policy

Price band

EUR 8.21 to EUR 8.21

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Hundehaftpflicht Basis/Premium/PremiumPlusBest hereDog liability | EUR 8.21per month | EUR 98.56 | 0 months | Other | [Get quote](https://www.uelzener.de/hundehaftpflicht) |

### Gothaer Allgemeine Versicherung AG

3 policies

Price band

EUR 8.75 to EUR 120

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Privathaftpflicht PremiumBest herePersonal liability | EUR 8.75per month | EUR 105 | 0 months | Other | [Get quote](https://www.check24.de/privathaftpflicht/barmeniagothaer/) |
| Gothaer Privat AutoCar | EUR 47.12per month | EUR 565.38 | 0 months | Other | [Get quote](https://www.cosmosdirekt.de/autoversicherung/) |
| Wohngebäude BasisGarant/KlassikGarantBuildings, owner | EUR 120per month | EUR 1,440 | 0 months | Other | [Get quote](https://sicherheitsanker.de/wohngebaeudeversicherung-huk/) |

### CosmosDirekt Lebensversicherungs-AG

1 policy

Price band

EUR 8.82 to EUR 8.82

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Risikolebensversicherung CR BasisBest hereTerm life | EUR 8.82per month | EUR 105.84 | 0 months | Other | [Get quote](https://www.cosmosdirekt.de/risikolebensversicherung/risikolebensversicherung-rechner/) |

### Getsafe (risk carrier partner)

1 policy

Price band

EUR 9.38 to EUR 9.38

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Dental insuranceBest hereDental add-on | EUR 9.38per month | EUR 112.56 | 0 months | Other | [Get quote](https://www.settle-in-berlin.com/read-this-before-booking-dental-insurance-in-germany/) |

### Allianz Partners

2 policies

Price band

EUR 9.92 to EUR 180

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Allianz Travel Schengen (and Feather Travel for EU-side trips)Best hereOther | EUR 9.92per month | EUR 119.04 | 0 months | Travel | [Get quote](https://visaright.eu/en/blog/reisekrankenversicherung-schengen-visum) |
| Allianz Care (international health insurance, expat plans)Other | EUR 180per month | EUR 2,160 | n/a | International | [Get quote](https://www.pacificprime.com/blog/top-germany-insurance-companies-expats.html) |

### Deutsche Lebensversicherungs-AG

1 policy

Price band

EUR 10.29 to EUR 10.29

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Risikoleben (DLVAG) BasisBest hereTerm life | EUR 10.29per month | EUR 123.48 | 0 months | Other | [Get quote](https://www.cosmosdirekt.de/risikolebensversicherung/risikolebensversicherung-rechner/) |

### Hannoversche Lebensversicherung AG

1 policy

Price band

EUR 10.53 to EUR 10.53

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Risikoleben T1-BasisBest hereTerm life | EUR 10.53per month | EUR 126.36 | 0 months | Other | [Get quote](https://www.hannoversche.de/risikolebensversicherung/vergleich) |

### Württembergische Rechtsschutz Schaden-Service GmbH (W&W group)

1 policy

Price band

EUR 10.76 to EUR 10.76

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Rechtsschutz XL/XXLBest hereLegal expenses | EUR 10.76per month | EUR 129.12 | 3 months | Other | [Get quote](https://www.adam-riese.de/rechtsschutz/ratgeber/rechtsschutzversicherung-kosten-leistungen) |

### Generali Deutschland AG

1 policy

Price band

EUR 11.44 to EUR 11.44

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| WohngebäudeversicherungBest hereBuildings, owner | EUR 11.44per month | EUR 137.28 | 0 months | Other | [Get quote](https://www.cosmosdirekt.de/wohngebaeudeversicherung/) |

### Partner risk carrier (verify per policy)

1 policy

Price band

EUR 11.62 to EUR 11.62

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Pet insurance (dog)Best herePet health, dog | EUR 11.62per month | EUR 139.44 | 1 months | Other | [Get quote](https://figopet.de/pet-insurance/) |

### per insurer

3 policies

Price band

EUR 15 to EUR 25

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Ambulante Zusatzversicherung (outpatient add-on: glasses, alternative practitioners, travel vaccines), market overviewBest hereOther | EUR 15per month | EUR 180 | n/a | Private supplementary | [Get quote](https://www.finanztip.de) |
| Stationäre Zusatzversicherung (hospital class upgrade: 1-/2-bed room + Chefarzt), market overviewOther | EUR 22per month | EUR 264 | n/a | Private supplementary | [Get quote](https://www.finanztip.de) |
| Zahnzusatzversicherung (dental add-on), market overviewOther | EUR 25per month | EUR 300 | n/a | Private supplementary | [Get quote](https://www.test.de) |

### Münchener Verein Krankenversicherung a.G.

1 policy

Price band

EUR 15.90 to EUR 15.90

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| ZahnGesund 75+ / 85+ / 100Best hereDental add-on | EUR 15.90per month | EUR 190.80 | 0 months | Other | [Get quote](https://www.muenchener-verein.de/privatkunden/gesundheit/zahnzusatzversicherung/ohne-wartezeit/) |

### Barmenia-backed tariffs via brokerage

1 policy

Price band

EUR 16 to EUR 16

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Dental Basic / AdvancedBest hereDental add-on | EUR 16per month | EUR 192 | 0 months | Other | [Get quote](https://www.simplegermany.com/best-dental-insurance-germany/) |

### HUK-COBURG Rechtsschutzversicherung AG

1 policy

Price band

EUR 16.81 to EUR 16.81

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Privat-, Berufs- und VerkehrsrechtsschutzBest hereLegal expenses | EUR 16.81per month | EUR 201.76 | 3 months | Other | [Get quote](https://www.huk.de/haus-haftung-recht/rechtsschutzversicherung/privat-berufs-verkehrsrechtsschutz.html) |

### ottonova Krankenversicherung AG

2 policies

Price band

EUR 20.18 to EUR 264.54

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Zahn 100 (Rundum-Sorglos)Best hereDental add-on | EUR 20.18per month | EUR 242.16 | 0 months | Other | [Get quote](https://www.check24.de/zahnzusatzversicherung/ottonova/) |
| ottonova Krankenversicherung (full PKV, digital-first)Other | EUR 264.54per month | EUR 3,174.48 | n/a | Private substitute | [Get quote](https://www.verivox.de) |

### ROLAND Rechtsschutz-Versicherungs-AG

1 policy

Price band

EUR 21.31 to EUR 21.31

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Top-Rechtsschutz Basis/Komfort/PremiumBest hereLegal expenses | EUR 21.31per month | EUR 255.72 | 3 months | Other | [Get quote](https://www.check24.de/rechtsschutzversicherung/roland/) |

### Wakam (risk carrier; verify per policy)

1 policy

Price band

EUR 21.42 to EUR 21.42

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Hundekrankenversicherung MidiBest herePet health, dog | EUR 21.42per month | EUR 257.04 | 1 months | Other | [Get quote](https://www.lassie.de/hundekrankenversicherung) |

### HanseMerkur Krankenversicherung AG

3 policies

Price band

EUR 21.81 to EUR 223

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Zahn Komfort (EZK) / Zahn Exklusiv (EZ)Best hereDental add-on | EUR 21.81per month | EUR 261.72 | 3 months | Other | [Get quote](https://www.zahnzusatzversicherungen-vergleich.com/anbieter/hanse-merkur/) |
| HanseMerkur Young Travel (incoming for foreign students/guests in Germany)Other | EUR 36per month | EUR 432 | n/a | International | [Get quote](https://www.reiseversicherung.com/reiseversicherungen/versicherung_sprachschueler_studenten/versicherungen_fuer_deutsche_sprachschueler_und_studenten/hansemerkur_auslandskrankenversicherung_studenten_bis_5_jahre.html) |
| HanseMerkur private Krankenversicherung (impuls / professional tariffs)Other | EUR 223per month | EUR 2,676 | n/a | Private substitute | [Get quote](https://www.impuls.com/gesundheit/private-krankenversicherung-kosten) |

### CosmosDirekt Lebensversicherungs-AG / Generali Deutschland AG (motor entity)

1 policy

Price band

EUR 23.79 to EUR 23.79

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Autoversicherung (Basis/Komfort)Best hereCar | EUR 23.79per month | EUR 285.46 | 0 months | Other | [Get quote](https://www.cosmosdirekt.de/autoversicherung/) |

### SIGNAL IDUNA Krankenversicherung a.G.

1 policy

Price band

EUR 25.81 to EUR 25.81

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| ZahnEXKLUSIVBest hereDental add-on | EUR 25.81per month | EUR 309.72 | 0 months | Other | [Get quote](https://www.testsiegertarife.de/signal-iduna/) |

### tariff-dependent

3 policies

Price band

EUR 26 to EUR 34.50

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Care Concept (Care Discover incoming / Care College students)Best hereOther | EUR 26per month | EUR 312 | n/a | International | [Get quote](https://www.careconcept.com) |
| MAWISTA (incoming health insurance: Classic/Comfort/Premium)Other | EUR 28per month | EUR 336 | n/a | International | [Get quote](https://www.mawista.com) |
| DR-WALTER educare24 / Provisit (incoming health cover)Other | EUR 34.50per month | EUR 414 | n/a | International | [Get quote](https://www.dr-walter.com) |

### Barmenia Krankenversicherung AG

2 policies

Price band

EUR 26.20 to EUR 480

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Mehr Zahn 100 (+ Mehr Zahnvorsorge Bonus D)Best hereDental add-on | EUR 26.20per month | EUR 314.40 | 0 months | Other | [Get quote](https://barmenia-direkt.de/gesundheit/zahnversicherungen/) |
| Barmenia private Krankenversicherung (KV Voll / KV Voll Plus; einsA prima+)Other | EUR 480per month | EUR 5,760 | n/a | Private substitute | [Get quote](https://sicherheitsanker.de/private-krankenversicherung-von-barmenia/) |

### ARAG SE

1 policy

Price band

EUR 28.62 to EUR 28.62

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Aktiv-Rechtsschutz KomfortBest hereLegal expenses | EUR 28.62per month | EUR 343.47 | 3 months | Other | [Get quote](https://www.arag.de/rechtsschutzversicherung/) |

### Continentale Krankenversicherung a.G.

1 policy

Price band

EUR 30 to EUR 30

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| CEZE (Zahn Exklusiv)Best hereDental add-on | EUR 30per month | EUR 360 | 0 months | Other | [Get quote](https://continentale-binner.de/zahnzusatzversicherung-sofort/) |

### DEVK Rechtsschutz-Versicherungs-AG

1 policy

Price band

EUR 31.56 to EUR 31.56

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Rechtsschutz Komfort/PremiumBest hereLegal expenses | EUR 31.56per month | EUR 378.72 | 3 months | Other | [Get quote](https://www.jochen-versichert.de/blog/informativ/was-kostet-eine-rechtsschutzversicherung-bei-der-devk/) |

### HanseMerkur (per petolo tariff documents; verify per policy)

1 policy

Price band

EUR 34.90 to EUR 34.90

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| HundekrankenversicherungBest herePet health, dog | EUR 34.90per month | EUR 418.80 | 1 months | Other | [Get quote](https://www.petolo.de/hundekrankenversicherung) |

### Baloise entity (verify per policy)

1 policy

Price band

EUR 38.38 to EUR 38.38

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| HundekrankenversicherungBest herePet health, dog | EUR 38.38per month | EUR 460.56 | 1 months | Other | [Get quote](https://www.santevet.de/) |

### LVM Landwirtschaftlicher Versicherungsverein Münster

1 policy

Price band

EUR 48.60 to EUR 48.60

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Kfz-VersicherungBest hereCar | EUR 48.60per month | EUR 583.18 | 0 months | Other | [Get quote](https://www.cosmosdirekt.de/autoversicherung/) |

### respective

1 policy

Price band

EUR 69.26 to EUR 69.26

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| BU market reference record (Ergo, Allianz, LV1871, Hannoversche, Nürnberger, CosmosDirekt, Debeka, HUK, AXA, Signal Iduna, Getsafe)Best hereOccupational disability | EUR 69.26per month | EUR 831.12 | 0 months | Other | [Get quote](https://www.onverso.de/berufsunfaehigkeitsversicherung/kosten/) |

### Advigon Versicherung AG

1 policy

Price band

EUR 72 to EUR 72

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Feather Expat / Incoming Health InsuranceBest hereOther | EUR 72per month | EUR 864 | n/a | International | [Get quote](https://www.guide-germany.com/health-insurance/students/private/) |

### Alte Leipziger Lebensversicherung a.G.

1 policy

Price band

EUR 76.28 to EUR 76.28

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| BerufsunfähigkeitsversicherungBest hereOccupational disability | EUR 76.28per month | EUR 915.36 | 0 months | Other | [Get quote](https://www.alte-leipziger.de/privatkunden/einkommensschutz/berufsunfaehigkeitsversicherung/kosten) |

### VHV Allgemeine Versicherung AG

1 policy

Price band

EUR 76.33 to EUR 76.33

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Wohngebäude KlassikGarantBest hereBuildings, owner | EUR 76.33per month | EUR 916 | 0 months | Other | [Get quote](https://sicherheitsanker.de/wohngebaeudeversicherung-huk/) |

### Cigna

1 policy

Price band

EUR 165 to EUR 165

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Cigna Global (Silver/Gold/Platinum)Best hereOther | EUR 165per month | EUR 1,980 | n/a | International | [Get quote](https://www.pacificprime.com/blog/top-germany-insurance-companies-expats.html) |

### Signal Iduna Krankenversicherung a.G.

1 policy

Price band

EUR 166.57 to EUR 166.57

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Signal Iduna Private Krankenversicherung (tariff START, KOMPAKT, PREMIUM lines)Best hereOther | EUR 166.57per month | EUR 1,998.84 | n/a | Private substitute | [Get quote](https://www.verivox.de) |

### APRIL

1 policy

Price band

EUR 183 to EUR 183

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| APRIL International (expat health plans)Best hereOther | EUR 183per month | EUR 2,196 | n/a | International | [Get quote](https://www.pacificprime.com/blog/top-germany-insurance-companies-expats.html) |

### Debeka Krankenversicherungsverein a.G.

1 policy

Price band

EUR 246.21 to EUR 246.21

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Debeka Krankenversicherung (tariffs B/BC/WL + B-EASY; Beamte specialist)Best hereOther | EUR 246.21per month | EUR 2,954.52 | n/a | Private substitute | [Get quote](https://www.debeka.de) |

### each

1 policy

Price band

EUR 280 to EUR 280

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Now Health International + Bupa Global (premium IPMI)Best hereOther | EUR 280per month | EUR 3,360 | n/a | International | [Get quote](https://abroadmate.me/guides/best-expat-health-insurance) |

### AXA Krankenversicherung AG

1 policy

Price band

EUR 309.50 to EUR 309.50

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| AXA Private Krankenversicherung (tariffs: EL Bonus U, VITAL-U, ActiveMe... note: AXA tariffs EL Bonus / Vital)Best hereOther | EUR 309.50per month | EUR 3,714 | n/a | Private substitute | [Get quote](https://www.versicherungen-online.de/pkv/test/axa/tarife/) |

### Allianz Private Krankenversicherungs-AG

1 policy

Price band

EUR 349.49 to EUR 349.49

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Allianz Private Krankenversicherung (tariffs: MeinGesundheitsschutz Basis/Komfort/Premium; ActiveMe S/M/L)Best hereOther | EUR 349.49per month | EUR 4,193.88 | n/a | Private substitute | [Get quote](https://www.allianz.de) |

### BKK firmus

1 policy

Price band

EUR 377.65 to EUR 377.65

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| BKK firmusBest hereOther | EUR 377.65per month | EUR 4,531.80 | 0 months | Statutory | [Get quote](https://www.krankenkasseninfo.de/krankenkassen/zusatzbeitrag/) |

### TUI BKK

1 policy

Price band

EUR 383.25 to EUR 383.25

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| TUI BKKBest hereOther | EUR 383.25per month | EUR 4,599 | 0 months | Statutory | [Get quote](https://www.krankenkasseninfo.de/krankenkassen/zusatzbeitrag/) |

### hkk

1 policy

Price band

EUR 384.82 to EUR 384.82

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| hkk Krankenkasse (Handelskrankenkasse)Best hereOther | EUR 384.82per month | EUR 4,617.84 | 0 months | Statutory | [Get quote](https://www.krankenkasseninfo.de/krankenkassen/zusatzbeitrag/) |

### Audi BKK

1 policy

Price band

EUR 385 to EUR 385

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Audi BKKBest hereOther | EUR 385per month | EUR 4,620 | 0 months | Statutory | [Get quote](https://www.krankenkasseninfo.de/krankenkassen/zusatzbeitrag/) |

### Techniker Krankenkasse (self-insuring statutory fund)

1 policy

Price band

EUR 386.57 to EUR 386.57

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Techniker Krankenkasse (TK)Best hereOther | EUR 386.57per month | EUR 4,638.84 | 0 months | Statutory | [Get quote](https://www.tk.de/techniker/versicherung/gut-versichert-in-jeder-lebenslage/freiwillige-krankenversicherung-tk/mindestgrenze-hoechstgrenze-beitragsberechnung-2006810) |

### AOK Bayern

1 policy

Price band

EUR 386.57 to EUR 386.57

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| AOK BayernBest hereOther | EUR 386.57per month | EUR 4,638.84 | 0 months | Statutory | [Get quote](https://www.student-insurance.com/blog/gkv-comparison-2026-tk-aok-barmer-dak/) |

### HEK

1 policy

Price band

EUR 390.07 to EUR 390.07

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| HEK, Hanseatische KrankenkasseBest hereOther | EUR 390.07per month | EUR 4,680.84 | 0 months | Statutory | [Get quote](https://www.hek.de) |

### DAK-Gesundheit

1 policy

Price band

EUR 395.50 to EUR 395.50

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| DAK-GesundheitBest hereOther | EUR 395.50per month | EUR 4,746 | 0 months | Statutory | [Get quote](https://www.dak.de) |

### BARMER

1 policy

Price band

EUR 397.07 to EUR 397.07

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| BARMERBest hereOther | EUR 397.07per month | EUR 4,764.84 | 0 months | Statutory | [Get quote](https://www.barmer.de) |

### IKK gesund plus

1 policy

Price band

EUR 398.82 to EUR 398.82

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| IKK gesund plusBest hereOther | EUR 398.82per month | EUR 4,785.84 | 0 months | Statutory | [Get quote](https://www.krankenkasseninfo.de/krankenkassen/zusatzbeitrag/) |

### IKK classic

1 policy

Price band

EUR 399 to EUR 399

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| IKK classicBest hereOther | EUR 399per month | EUR 4,788 | 0 months | Statutory | [Get quote](https://www.krankenkasseninfo.de/krankenkassen/zusatzbeitrag/) |

### AOK Nordost

1 policy

Price band

EUR 400.75 to EUR 400.75

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| AOK Nordost (Berlin, Brandenburg, Mecklenburg-Vorpommern)Best hereOther | EUR 400.75per month | EUR 4,809 | 0 months | Statutory | [Get quote](https://www.student-insurance.com/blog/gkv-comparison-2026-tk-aok-barmer-dak/) |

### BIG direkt gesund

1 policy

Price band

EUR 404.07 to EUR 404.07

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| BIG direkt gesundBest hereOther | EUR 404.07per month | EUR 4,848.84 | 0 months | Statutory | [Get quote](https://www.krankenkasseninfo.de/krankenkassen/zusatzbeitrag/) |

### KKH

1 policy

Price band

EUR 405.65 to EUR 405.65

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| KKH (Kaufmännische Krankenkasse)Best hereOther | EUR 405.65per month | EUR 4,867.80 | 0 months | Statutory | [Get quote](https://www.krankenkasseninfo.de/krankenkassen/zusatzbeitrag/) |

### SBK

1 policy

Price band

EUR 406 to EUR 406

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| SBK (Siemens-Betriebskrankenkasse)Best hereOther | EUR 406per month | EUR 4,872 | 0 months | Statutory | [Get quote](https://www.krankenkasseninfo.de/krankenkassen/zusatzbeitrag/) |

### energie-BKK

1 policy

Price band

EUR 409.15 to EUR 409.15

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| energie-BKKBest hereOther | EUR 409.15per month | EUR 4,909.80 | 0 months | Statutory | [Get quote](https://www.krankenkasseninfo.de/krankenkassen/zusatzbeitrag/) |

### KNAPPSCHAFT

1 policy

Price band

EUR 414.75 to EUR 414.75

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| KNAPPSCHAFTBest hereOther | EUR 414.75per month | EUR 4,977 | 0 months | Statutory | [Get quote](https://www.krankenkasseninfo.de/krankenkassen/zusatzbeitrag/) |

### Hallesche Krankenversicherung a.G.

2 policies

Price band

EUR 498 to EUR 760.93

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Feather Private Health Insurance (Hallesche NK.select, brokered by Feather)Best hereOther | EUR 498per month | EUR 5,976 | n/a | Private substitute | [Get quote](https://www.guide-germany.com/health-insurance/private-health-insurance/list/feather/) |
| Hallesche Krankenversicherung (NK.select tariff family)Other | EUR 760.93per month | EUR 9,131.16 | n/a | Private substitute | [Get quote](https://www.pkv-tarifvergleich.info/neuheiten/beste-private-krankenversicherung-2026/) |

### ARAG Krankenversicherungs-AG

1 policy

Price band

EUR 621.50 to EUR 621.50

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| ARAG Krankenversicherung (MedBest tariff)Best hereOther | EUR 621.50per month | EUR 7,458 | n/a | Private substitute | [Get quote](https://www.pkv-tarifvergleich.info/neuheiten/beste-private-krankenversicherung-2026/) |
Premiums as of August 2026, verify on the insurer site. Each premium holds for the reference profile recorded in the catalogue, not for every applicant.

## Why does health insurance carry no price tag?

Because the German system asks a different question. [Health cover](/insurance/health-insurance) is mandatory and there is no tax-funded service covering residents by default. Instead there are two separate systems, and comparing their prices is close to meaningless because most people are not free to pick between them: statutory cover (GKV) and private substitute cover (PKV).

### GKV: a percentage of income

The contribution is 14.6 percent of gross income plus the fund's own Zusatzbeitrag, split with the employer. At Techniker Krankenkasse the Zusatzbeitrag is 2.69 percent in 2026, and on EUR 3,500 a month gross that comes to EUR 386.57 a month for a childless employee, long-term care contribution included. Students pay the flat statutory rate of EUR 146.29, and freelancers on low income pay at least EUR 278.17 a month.

The benefit catalogue is identical across funds. Only the Zusatzbeitrag, the optional tariffs and the service differ, which makes switching funds a contribution decision rather than a cover decision.

### PKV: age and health

In private substitute cover your salary does not set the premium. It is rated on your age at entry and your state of health at underwriting, which is why there can be no price list. The EUR 246.21 a month at Debeka is an example rather than a price: it holds for a 30-year-old Beamter with 50 percent Beihilfe, insuring only the other half.

Arrivals who are eligible for neither system yet bridge the gap with incoming cover. Unlike either system, those tariffs do publish a real monthly price, for example Care Concept from EUR 26 for students under 30.

## What does the cheapest policy in each line cost?

Each figure below is the cheapest verified annual premium in its line, with the profile it was quoted on. In Germany a premium without its profile is not a number, it is an advertisement.

| Line | Cheapest premium | Reference profile |
| --- | --- | --- |
| Personal liability | EUR 17.88a year, AXA S | Single, aged 26, two claim-free years, paid annually, EUR 300 excess, EUR 5,000,000 of cover |
| Contents | EUR 27.64a year, HUK24 | A 75 m2 flat in Würzburg, no excess, paid annually |
| Dog liability | EUR 36.89a year, Haftpflichtkasse | A dachshund with a 35-year-old owner, no excess |
| Term life | EUR 105.84a year, CosmosDirekt | Aged 30, non-smoker for over ten years, EUR 200,000 over a 30-year term |
| Dental add-on | EUR 112.56a year, Getsafe | Basic plan at around age 30, age-dependent |
| Legal expenses | EUR 129.12a year, Adam Riese | Employed, aged 30, Marburg, the Privat module only, EUR 300 excess |
| Buildings | EUR 137.28a year, CosmosDirekt | The advertised entry for a small property; the catalogue puts 150 m2 at EUR 350 to 700 a year |
| Pet health (dog) | EUR 139.44a year, Figo | One dog, reimbursement selectable at 50, 70 or 90 percent, caps of 3,000, 6,000 or unlimited |
| Car | EUR 250a year, HUK24 | A 38-year-old driver, a Golf in Göttingen, Teilkasko, the cheapest tariff in the Finanztip test |
Health cover is deliberately absent from this table: a percentage of income cannot sit next to an annual premium.

## Which lines only price at quotation?

62 of the 164 [records in the catalogue](/insurance/providers) publish no premium. In nearly every case that is not missing research: the insurer does not have a price until it quotes.

- Motor: the premium follows the vehicle, the address, who drives it and your no-claims class. Only four of sixteen motor records publish an actual figure.
- PKV: underwriting decides, so there is no price list, only an individual offer.
- GKV: a percentage of income, not a price. It becomes an amount only once a gross salary is named.
- Travel medical cover for a visa: day rates set by trip length, age and cover tier.
- Occupational disability: profession, age and health decide the premium, sometimes by a multiple.

So every card in this comparison carries either a premium with its profile or the reason there is none. Nowhere does it carry an estimate.

## What moves a German premium?

- For GKV, gross income alone, plus the chosen fund's Zusatzbeitrag and the childless surcharge in long-term care cover.
- For PKV, your age at entry and your state of health at underwriting, not your salary.
- The excess: in legal insurance the catalogue records EUR 150 or EUR 300, and that gap explains much of the spread in premiums.
- The Schadenfreiheitsklasse in motor, the single biggest price lever in a German car tariff.
- Floor area and address in contents and buildings: the HUK24 premium in the catalogue rises steeply from 75 to 200 square metres.
- Payment frequency and contract term: several records state their cheapest premium explicitly for annual payment.

## Related Guides

[### Insurance in Germany Overview of every line.](/insurance)[### Health insurance GKV and PKV compared.](/insurance/health-insurance)[### Best insurance providers One provider per line.](/insurance/providers)[### Car insurance The compulsory motor cover.](/insurance/car-insurance)

## Frequently Asked Questions

### How much does statutory health insurance cost in Germany?

It has no fixed price: it is a percentage, 14.6 percent plus the fund's own Zusatzbeitrag, split with your employer. On EUR 3,500 a month gross, a childless employee at Techniker Krankenkasse pays EUR 386.57 a month at a Zusatzbeitrag of 2.69 percent. Students pay the flat statutory rate of EUR 146.29.

### Is private health insurance cheaper than statutory?

That is not a price question but an eligibility question: whether you may join GKV or PKV depends on income, employment status and profession. A PKV premium is then rated on your age at entry and your state of health, not on your salary. The EUR 246.21 a month at Debeka is for a 30-year-old Beamter with 50 percent Beihilfe, who is therefore buying only half the cover. For non-Beamte the same cover is rated individually.

### Why do so many tariffs carry no premium?

Of the 164 records in the catalogue, 102 publish a premium and 62 do not. That is the market rather than a gap: motor is rated per vehicle, driver and postcode, PKV at underwriting, and travel by trip length. Instead of an estimate, each card states the basis the insurer prices on.

### Which insurance is cheapest in Germany?

Personal liability. The cheapest verified premium in the catalogue is EUR 17.88 a year for EUR 5,000,000 of cover, though on a very narrow profile: single, aged 26, two claim-free years, paid annually, with a EUR 300 excess. Contents insurance follows from EUR 27.64 a year.

### Do the premiums on this page apply to me?

Only if your profile matches the recorded one. Every premium in the catalogue belongs to a reference profile of age, address, floor area, vehicle or income. Without that profile the figure states nothing, which is why this page prints it alongside.

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Source: https://www.guide-germany.com/insurance/price-research
Last updated: n/a
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