Motor insurance: Downtown expensive

Car insurance contribution: Depending Postleitahl the differences are large.

J e by zip code, the price for a car insurance is different within the same city by up to 23 percent. This has the consumer portal Check24 when analyzing multiple driver profiles found – the only difference was that each postal code, all other rating factors such as type of class of vehicle, age of the policyholder or annual mileage were identical.

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The best car insurance

Capital with large price differences

At its peak, the difference was within a city at 171 euros per year. That was the case in Berlin, where the driver with Profile 2 (see below) with full insurance in the central Kreuzberg significantly more charged than in the district of Rahnsdorf in outer Treptow-Koepenick. That is a difference of 15 percent. Also in Hamburg, Cologne and Frankfurt and Leipzig and Dresden are the price differences depending on the driver profile and postal double-digit percentage range. The slightest variation there is among the cities considered in Stuttgart and Bremen.

Car Insurance: How strongly fluctuate Posts

Berlin

Driver profile 1

Minimum contribution (average): 342.59 euro

Maximum contribution (average): 421.5 EUR

Difference: 171.11 Euro (23 percent)

Driver Profile 2

Minimum contribution (average): 1165.01 Euro

Maximum contribution (average): 1336.12 Euro

Difference: 171.11 Euro (15 percent)

Hamburg

Driver profile 1

Minimum contribution (average): 340.27 euro

Maximum contribution (average): 405.58 euro

Difference: 120,28 Euro (19 percent)

Driver Profile 2

Minimum contribution (average): 1048.1 €

Maximum contribution (average): 1168.38 Euro

Difference: 120,28 Euro (11 percent)

Cologne

Driver profile 1

Minimum contribution (average): 336.72 euro

Maximum contribution (average): 384.26 euro

Difference: 82,46 EUR (14 percent)

Driver Profile 2

Minimum contribution (average): 1048.85 Euro

Maximum contribution (average): 1131.31 Euro

Difference: 82,46 Euro (8 percent)

Frankfurt / Main

Driver profile 1

Minimum contribution (average): 330.18 euro

Maximum contribution (average): 366.34 euro

Difference: 50.34 EUR (11 percent)

Driver Profile 2

Minimum contribution (average): 1035.53 Euro

Maximum contribution (average): 1085.87 Euro

Difference: 50,34 EUR (5 percent)

Dresden

Driver profile 1

Minimum contribution (average): 321.72 euro

Maximum contribution (average): 354.5 EUR

Difference: 58.37 EUR (10 percent)

Driver Profile 2

Minimum contribution (average): 1014.14 Euro

Maximum contribution (average): 1072.51 Euro

Difference: 58,37 EUR (6 percent)

Leipzig

Driver profile 1

Minimum contribution (average): 320.09 euro

Maximum contribution (average): 351.53 euro

Difference: 68.35 EUR (10 percent)

Driver Profile 2

Minimum contribution (average): 1040.66 Euro

Maximum contribution (average): 1109.01 Euro

Difference: 68,35 EUR (7 percent)

Munich

Driver profile 1

Minimum contribution (average): 358.3 EUR

Maximum contribution (average): 386.84 euro

Difference: 56.71 Euro (8 percent)

Driver Profile 2

Minimum contribution (average): 1077.91 Euro

Maximum contribution (average): 1134.62 Euro

Difference: 56,71 EUR (5 percent)

Dusseldorf

Driver profile 1

Minimum contribution (average): 330.86 euro

Maximum contribution (average): 355.46 euro

Difference: 60,05 EUR (7 percent)

Driver Profile 2

Minimum contribution (average): 1014.66 Euro

Maximum contribution (average): 1074.71 Euro

Difference: 60,05 EUR (6 percent)

Stuttgart

Driver profile 1

Minimum contribution (average): 324.29 euro

Maximum contribution (average): 343.66 euro

Difference: 39,08 EUR (6 percent)

Driver Profile 2

Minimum contribution (average): 985.22 euro

Maximum contribution (average): 1024.3 €

Difference: 39,08 euros (4 percent)

Bremen

Driver profile 1

Minimum contribution (average): 285,71 Euro

Maximum contribution (average): 302.1 EUR

Difference: 42,07 EUR (6 percent)

Driver Profile 2

Minimum contribution (average): 857.07 euro

Maximum contribution (average): 899.14 euro

Difference: 42,07 EUR (5 percent)

More accidents in downtown

In most cases the insurance for a vehicle owner in the center of a big city is more expensive than in the outskirts, so Check24. One possible reason: Because of the dense traffic in city centers it crashes there frequently. And the accident statistics is a key factor in the level of contributions of third-party and -Kaskoversicherungen. It flows in the regional classes with one that is determined once a year by the General Association of German Insurers.

Methodology: To Check24 has counted

Investigated Cities

Basis for calculating the price differences in motor insurance by zipcode were two driver profiles. Both car insurance rates for more than 600 postal codes of ten German cities were calculated: Berlin, Bremen, Dresden, Dusseldorf, Frankfurt, Hamburg, Cologne, Leipzig, Munich, Stuttgart.

Driver profile 1

Vehicle change, policyholders: 35 years, license since 1998, single, worker, no children, no home ownership, Parking: Street (public), mileage: 9.000 km / year, only private and exclusive use (incl. Working travel) Car: VW Golf 1.4 TSI DSG, 118 kW (HSN: 0603, TSN: ANY), First registration: August 2008, planned acquisition and holder approval March 2016 when new: about 23,000 euros, cash purchase, annual ticket public transport, liability without hull insurance, claims category liability SF10, Mallorca Police , annual number way first vehicle, holder = policyholder, no points in Flensburg

Driver Profile 2

Insurance Exchange, policyholders: 45 years, license since 1988, married employee with two children: eleven and 16 years, no home ownership, Parking: Street (public), mileage: 12.000 km / year, excluding private use (including commuting.), Driver circuit : policyholder and spouse (45 years), car: BMW 528i Touring Aut, 180 kW. (HSN: 0005, TSN: BGA), new acquisition and first registration on the holder: August 2014 start of insurance March 2016 replacement value: 50,000 euros , cash purchase, annual ticket public transport, ADAC, liability and comprehensive insurance, deductible VK 300 Euro / TK 150 Euro, claims category liability SF20 / Comprehensive SF20, free choice of workshop, Mallorca Police, annual number way first vehicle, holder = policyholder, no points in Flensburg

Evaluation time

respectively all were considered the time of evaluation at Check24 predictable rates for the viewing. Date calculations: 01/02. March 2016.