Overview

• About 5.9 million vehicles move to higher Haftpflicht classes and roughly 4.5 million to lower ones, while around 32 million remain unchanged.
• The recalculation covers roughly 33,000 models based on multi‑year claims and repair data, with large jumps in class rare for most vehicles.
• Kaskoversicherung shifts are mixed: in Vollkasko about 65% stay put, around 31% move down (≈7.7 million) and roughly 0.9 million move up; in Teilkasko about 72% are unchanged, ~24% move down (~3.2 million) and ~4% move up (~520,000).
• Insurers may apply the new classes immediately for new policies and typically at renewal from the next insurance year, often effective 1 January 2026.
• Regional risk ratings were also updated, with examples including Leipzig dropping one class and the Landkreis Meißen rising, while consumer analyses highlight model‑specific swings that can vary by insurer.