Motor insurance 2025: more expensive for millions-this is how you save now!

Motor insurance 2025: more expensive for millions-this is how you save now!

The car insurance faces drastic changes. Next year, drivers will have to increase the insurance costs that are already 21 percent above the previous year's level this year. This situation affects an estimated 9.4 million vehicle owners in Germany, who may have to pay more for their policies. A comparison portal has found that the price increases are due to various factors, including the annual adjustments of the regional classes and an overall increasing damage inflation. Despite this worrying development, there are opportunities to save costs in the car insurance.

One of the main causes for the increased premiums are the regional classes that are determined by the overall association of the German insurance industry. These classes are based on the damage balance of a region. In areas with higher damage frequency, the premiums increase while they can fall into safer regions. In next year, changes will be expected in 108 out of 412 registration areas, which will lead to higher premiums for many drivers. Vehicle owners pay the most in cities like Berlin and Hamburg, while the cheapest tariffs can be found in rural areas.

A change of insurance can bring savings

The comparison portal Verivox has pointed out that changing car insurance can be a worthwhile option for many drivers. Due to a change of provider, drivers could save up to 26 percent on average, although liability insurance can even enable savings of up to 31 percent. These statistical data show that despite the general inflation of inflation, financial scope can arise.

The table below offers an overview of the latest price increases and possible savings:

The causes of the price increases

Another aspect that increases the premiums is the so -called damage inflation. This describes the constant increase in costs caused by damage to vehicles. According to Wolfgang Schütz, the managing director of Verivox, the cost of spare parts has increased dramatically in recent years. This is partly due to design protection, which makes many parts unique and thus reduces competition among manufacturers. The labor costs in the workshops have also increased significantly: from 2022 to 2023 they rose by almost ten percent.

In addition, climate change plays a role. Damage caused by weather events such as hail are more common and expensive, which is to be attributed to a significant part of the price increases. According to estimates, around ten percent of the price increase is due to weather -related damage. These increasing costs are serious for many insurers, and the responsible supervisory authority Bafin has even instructed the insurers to take suitable measures in order to reduce the effects of this financial burden.

Overall, it remains to be seen how the insurers will react to this pressure and whether there will be long -term strategies to stabilize prices again. By knowing decisions in their insurance election, drivers can make a decisive contribution to reducing their costs. For detailed information on this topic, a look at the current analyzes and reports on the development of the vehicle insurance, as www.merkur.de reports .