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.
FAQ
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.
Are my entered amounts stored anywhere?
No. All calculations happen exclusively in your browser. Your inputs are never sent to our server or stored. You can safely enter sensitive financial data.
Guide
Quick Answer
The insurance calculator estimates the annual costs of various insurance types and helps evaluate the price-performance ratio.
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
How to assess your insurance needs step by step: 1. Check mandatory insurances: health and long-term care insurance, pension insurance and unemployment insurance are mandatory for employees. Motor vehicle third-party liability is compulsory for vehicle owners. 2. Cover existential risks: private liability insurance (approx. 50-80 EUR/year) protects against claims for damages of up to several million euros. Occupational disability insurance (approx. 50-150 EUR/month) secures the income in case of incapacity for work. 3. Important supplementary insurances: household contents insurance (approx. 80-200 EUR/year) for valuable household goods. Residential building insurance for owners. Term life insurance for families with a sole earner. 4. Cost-benefit analysis: compare the annual premiums with the covered risk. A higher deductible significantly lowers the premium. 5. Review annually and adapt to changed life situations.
Calculation Example
Family with 2 children: private liability insurance 65 EUR/year, household contents 120 EUR/year, occupational disability insurance 100 EUR/month, term life insurance 25 EUR/month. Total cost: approx. 1,685 EUR/year.
Sources · E-E-A-T
Official sources
Calculations are based on applicable German laws and official data:
- Deutsche Bundesbank
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Statistisches Bundesamt (Destatis)
Full methodology at Methodology.
Finance
Related Calculators
Consumer Loan Calculator
Calculate monthly payments, total costs and amortization schedule for your loan. With interest rate, term and extra payments.
Interest & Compound Interest Calculator 2026 — Free Online
Calculate compound interest with the Rule of 72: capital doubles in 14 years at 5% p.a. Add monthly savings, get full amortization. Free, no registration.
Home Purchase Financing Calculator
Calculate your mortgage with repayment, fixed-rate period and extra payments. Including amortization schedule and remaining balance.
Compound Interest Calculator
Calculate the compound interest effect over any period. See how your wealth grows exponentially. Free with amortization schedule, interest comparison, examples.