Overview

• For 2026, 99 of 413 registration districts change class, leaving about 5.3 million drivers in lower tiers and roughly 5.0 million in higher ones, while around 32.1 million remain unchanged.
• Urban areas fare worst: Offenbach has the poorest damage balance nationwide and Berlin is second, with claims in both nearly 40 percent above average, according to the GDV.
• Rises concentrate in Hessen and North Rhine-Westphalia, where nearly one in four policyholders is reclassified upward; rural districts in Brandenburg, Schleswig-Holstein, Niedersachsen and Mecklenburg-Vorpommern generally score better.
• Kasko adjustments are smaller, with about 2.6 million policyholders moving to lower comprehensive or partial-comprehensive classes and roughly 2.1 million moving higher.
• Classifications reflect the vehicle owner’s registration district rather than the incident location, and final premiums also depend on factors such as vehicle type, mileage and no-claims history.