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How much does motorcycle insurance cost in Germany?

In short

With a few claim-free years you usually pay about EUR 70 to 350 a year for motorcycle liability cover in Germany, about EUR 100 to 450 with partial cover and about EUR 180 to 750 with comprehensive cover. A 125cc bike sits at the low end, a superbike at the top. New riders often pay EUR 300 to 700 for liability plus partial cover.

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How much does motorcycle insurance cost in Germany?

What it costs

Published example premiums for Germany, 2026, per year.

Example	Typical range
125cc, experienced rider, liability	about EUR 50 to 120
Mid-size naked bike around 700cc, liability, partial, comprehensive	about EUR 180, 250 and 400
Large adventure tourer, liability, partial, comprehensive	about EUR 220, 320 and 550
1,000cc superbike, liability up to comprehensive	about EUR 350 to 750
New rider, A2 licence, no-claims class 0, liability and partial cover	about EUR 320 to 550

Guide values as of September 2026 from publicly quoted examples. Your premium depends on the bike, your age, address and no-claims history; we obtain the exact quote. The ranges in the worked example are guide values from our quoting practice.

Worked example

650cc bike, rider aged 35, recognised claim-free history

This is how the premium adds up for a bike ridden from March to October and kept in a garage.

Liability, EUR 100 million flat sum	about EUR 90 to 150
Partial cover with EUR 150 deductible	about EUR 40 to 80
Seasonal plate March to October	about a quarter less
Vehicle tax, season only	about EUR 30

Together about EUR 130 to 230 a year for insurance plus about EUR 30 tax. Without recognised history the same bike can cost much more.

What drives the price

The bike matters most: engine size, power and its type class, a rating of how often and how expensively a model is involved in claims. Two bikes with the same power can therefore cost quite different amounts.

Your age, your no-claims class for motorcycles, your address and whether the bike is kept in a garage overnight also count. Motorcycles have their own no-claims class, so claim-free years with a car do not automatically carry over.

Factor	Effect
Engine size, power and type class	strong, a superbike costs several times a 125cc
Motorcycle no-claims class	strong, beginners pay the full rate
Rider under 25	clear surcharge
Address	noticeable, cities usually cost more
Seasonal plate (Saisonkennzeichen)	lower, you only pay for the season
Garage and deductible	lower the own-damage part

If you come from abroad

Riding history from your home country is not recognised automatically. Some insurers will take a no-claims letter from your previous insurer into account, ideally in English or German and listing the claim-free years on a motorcycle. Ask before you sign, because each insurer decides for itself.

A licence from outside the EU is usually valid for six months after you take up residence. After that you need a German licence. Tell the insurer which licence you hold and since when you have held the motorcycle category.

Liability, partial or comprehensive cover

Liability pays for damage you cause to others. Partial cover pays mainly for theft, fire, storm, hail and collisions with animals. Motorcycles are stolen often, so partial cover makes sense for almost any bike with real value.

Comprehensive cover also pays when you fall or cause an accident yourself. It is worth it for new, financed or expensive bikes. For a bike worth only a few thousand euros it rarely pays off: a few years of extra premium eat up what you could get back.

Seasonal plates and where saving becomes expensive

With a seasonal plate you only pay insurance and tax for the months the bike is registered. Outside the season you may not ride at all, not even on a sunny day in February.

The legal minimum for liability is EUR 7.5 million for personal injury. After a serious accident this is not always enough, so choose EUR 100 million as a flat sum. Cheap policies often limit cover for helmet and protective clothing.

Step by step

Check the type class and engine size of the bike before you buy.
Ask your previous insurer abroad for a no-claims letter covering motorcycles.
Choose by value: partial cover almost always, comprehensive only for new or expensive bikes.
Consider a seasonal plate if you do not ride in winter.
Compare quotes with the same liability sum and deductible.

Checklist

Liability cover of EUR 100 million as a flat sum
Theft cover through partial cover
Waiver of the gross negligence defence
Helmet and protective clothing covered if they were expensive
Overnight parking place stated truthfully

Common mistakes

Buying the bike first and asking for the premium afterwards
Stating a garage when the bike stays on the street
Riding outside the season with a seasonal plate
Not presenting your foreign riding history

Questions and answers

Frequently asked

How much is motorcycle insurance per month?

For experienced riders about EUR 6 to 30 for liability, up to about EUR 60 with comprehensive cover. New riders pay much more.

Do my no-claims years with a car count?

Not automatically. Motorcycles have their own class. Some insurers rate a bike as a second vehicle more favourably if you have a long clean record with your car.

What does a 125cc cost for a beginner?

With an A1 licence and no-claims class 0, about EUR 180 to 350 a year for liability and partial cover.

Do I need comprehensive cover for an old bike?

Usually not. Partial cover can still be worth it because of theft, if you could not easily replace the bike.

Is a seasonal plate worth it?

Yes, if you are sure you will not ride in winter. You save insurance and tax for the months without registration.

Sources

NAMMERT insurance broker

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