Choosing the Right Car Insurance: A Comprehensive Guide (2023)


When it comes to using a car on public roads in Germany, having a compulsory motor liability insurance (Kfz-Haftpflichtversicherung) is a legal requirement. This insurance covers damages you may cause to others with your vehicle. To enhance this basic coverage, consider adding comprehensive options like partial coverage (Teilkasko) or full coverage (Vollkasko), extending protection to damages on your own vehicle.

Tailoring Your Coverage

The ADAC Autoversicherung offers three distinct product lines: Basis, Komfort, and Premium. You have the flexibility to customize your protection further by adding optional extras. Whether you own a car, motorcycle, camper, caravan, or trailer, the ADAC Autoversicherung allows you to tailor your coverage to your specific needs.

Additional Coverage Options

The ADAC Autoversicherung stands out by providing a range of additional coverage options that can be seamlessly integrated into each product line. These optional extras empower you to fine-tune your protection according to your individual requirements, offering a level of control over both coverage and budget.

Pricing Transparency

Surprisingly affordable, the ADAC Autoversicherung ensures competitive pricing across all vehicle types. Calculate your insurance costs for cars, motorcycles, campers, and trailers effortlessly using the online tariff calculator. Moreover, non-members can also benefit from ADAC Autoversicherung without an ADAC membership.

Streamlined Process

In just two minutes, obtain a quote for your auto insurance and leverage the free cancellation service in collaboration with aboalarm. The ADAC Autoversicherung aims to provide a seamless experience, ensuring that you have your insurance details promptly and can navigate through the process effortlessly.

Coverage for Various Vehicles

The ADAC Autoversicherung covers a wide range of vehicles, including:

  • Passenger cars, including electric and hybrid vehicles
  • Motorcycles (motorbikes, scooters, quads, and trikes)
  • Campers (motorhomes, caravan trailers)
  • Trailers (privately used trailers and caravan trailers)

For vintage vehicle enthusiasts, the ADAC offers an excellent Classic-Car-Versicherung for cars older than 20 years and motorcycles older than 30 years. Additionally, there's a specialized Moped-Versicherung for mopeds, scooters, and e-scooters.

Sustainability Initiatives

In line with evolving trends, the ADAC Autoversicherung takes a step towards sustainability by offering perks such as an E-Fahrzeug Wechselprämie. This bonus of €2,500 is granted when switching from a combustion engine to an electric vehicle after an accident. The insurance also supports sustainable repairs and provides tips on resource-efficient driving.

Geographic Coverage

The ADAC Autoversicherung extends its coverage within the geographical boundaries of Europe, including the European part of Turkey, the Asian part of Turkey, and non-European territories under the European Union jurisdiction. The coverage aligns with the legal requirements of the visited country.

High Coverage Limits

Stand out from the crowd with the ADAC Autoversicherung, which boasts coverage limits of €100 million and €15 million per injured person. These limits exceed the legally mandated minimum coverage, providing enhanced protection for policyholders.


In summary, the ADAC Autoversicherung distinguishes itself by offering versatile coverage options, competitive pricing, and a commitment to sustainability. Whether you're a standard vehicle owner, a vintage car enthusiast, or an advocate for eco-friendly driving, ADAC Autoversicherung provides a comprehensive solution tailored to your unique needs. Make the smart choice for your vehicle's protection—choose ADAC Autoversicherung.


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