Autoversicherung: Kfz-Versicherung: Prämien steigen kaum – Trendwende?

The upcoming pricing round for car insurances suggests that the era of significant price hikes may be coming to an end. Currently, the average prices for insurers switching are only 1.3 percent higher than last year, according to calculations from Heidelberg-based comparison portal Verivox. The comparison includes 33 insurance companies.

Market leader HUK Coburg is not among them. According to Verivox's analysis, the Kfz-Haftpflichtversicherung (car liability insurance) is currently 3 percent cheaper compared to last year. However, the Haftpflicht mit Teilkasko (third-party, fire and theft insurance) will become slightly more expensive, while the Haftpflicht mit Vollkasko (comprehensive liability insurance) will see a 2.5 percent price increase compared to last year.

Verivox manager Aljoscha Ziller stated that the insurance normalization of recent years has been successful, but the current price stability stands on shaky ground. Repair costs continue to rise, the insurers had not built up a sufficient buffer, and they would have to raise prices again if costs were to rise sharply. For now, premium increases seem to be a thing of the past.

Market leader HUK Coburg expects higher prices as motorists have had to endure massive and widespread price increases since 2023. Across all insurance types, tariffs are currently 52.8 percent more expensive than in 2022, the year before the first pricing round. The basis for the current price data is Verivox user calculations from June 1st to June 30th, 2026, as well as for the same periods in 2025 and 2022.

They were anonymized and compiled into an index. HUK Coburg stated in March that it expects premium increases in the current year as well. In the last pricing round, the premiums for existing insurances at HUK Coburg had increased by approximately 8 percent. This year, too, a "necessary contribution adjustment" is expected in this area.