Insurance Calculator
Compare insurance premiums and find the optimal insurance coverage. Online calculator with current 2026 market rates and clear breakdown.
Total cost / month
123,00 €
Total cost / year
1.476,00 €
Cost / day
4,04 €
| Insurance | / month | / year | / day |
|---|---|---|---|
| Liability Insurance | 8,00 € | 96,00 € | 0,26 € |
| Household Insurance | 15,00 € | 180,00 € | 0,49 € |
| Disability Insurance | 45,00 € | 540,00 € | 1,48 € |
| Car Insurance | 55,00 € | 660,00 € | 1,81 € |
| Total | 123,00 € | 1.476,00 € | 4,04 € |
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
Which insurance policies are essential in Germany?
Essential insurances include health insurance (mandatory), private liability insurance, disability insurance, and car insurance (mandatory for vehicle owners). Tenant liability is also highly recommended.
How can I save on insurance premiums?
Compare offers annually, choose higher deductibles, combine policies with one provider for discounts, pay annually instead of monthly, and cancel unnecessary coverage.
What is the Insurance Calculator?
The insurance calculator estimates the annual costs of various insurance types and helps evaluate the price-performance ratio.
How does the Insurance Calculator work?
Select the insurance type and enter the relevant data. The calculator estimates the annual premium based on typical tariffs and shows which types of insurance are advisable for your situation.
Key Data and Facts
Mandatory insurance: health, long-term care, pension, unemployment, motor liability. Useful extras: personal liability (approx. 50-80 euros/year), disability, household contents.
Step-by-Step Guide
So bewerten Sie Ihren Versicherungsbedarf step by step: 1. Pflichtversicherungen pruefen: Kranken- und long-term care insurance, Rentenversicherung und unemployment insurance sind fuer employee Pflicht. Kfz-Haftpflicht ist fuer Fahrzeughalter vorgeschrieben. 2. Existenzielle Risiken absichern: Privathaftpflicht (ca. 50-80 EUR/year) schuetzt vor Schadenersatzforderungen bis zu mehreren Millionen Euro. Berufsunfaehigkeitsversicherung (ca. 50-150 EUR/month) sichert das income bei Arbeitsunfaehigkeit. 3. Wichtige Zusatzversicherungen: Hausratversicherung (ca. 80-200 EUR/year) bei wertvollem Hausrat. Wohngebaeudeversicherung fuer Eigentuemer. Risikolebensversicherung fuer Familien mit Alleinverdiener. 4. costs-Nutzen-Analyse: compare Sie Jahresbeitraege mit dem abgesicherten Risiko. Eine hoehere Selbstbeteiligung senkt die Praemie deutlich. 5. annually ueberpruefen und an veraenderte Lebenssituationen anpassen.
Calculation Example
Familie, 2 Kinder: Privathaftpflicht 65 EUR/year, Hausrat 120 EUR/year, BU-Versicherung 100 EUR/month, Risikoleben 25 EUR/month. Gesamtkosten: ca. 1.685 EUR/year.
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