Overview

• The GDV’s new Regionalklassen move about 5.0 million motorists to higher liability risk tiers and 5.3 million to lower ones, with roughly 32.1 million unchanged, applicable now for new contracts and from the next insurance year for existing policies.
• Worsenings concentrate in Hesse and North Rhine–Westphalia, while Elbe‑Elster records the best nationwide liability balance and northern states such as Brandenburg, Schleswig‑Holstein, Lower Saxony and Mecklenburg‑Western Pomerania generally rate favorably.
• Large cities show the heaviest loss ratios, with Offenbach worst and Berlin close behind; Berlin’s Teilkasko class increases, affecting around 420,000 policyholders.
• Kasko shifts are modest overall, with about 2.1 million moving to higher Voll/Teilkasko classes and roughly 2.6 million to lower ones, leaving most of the approximately 38 million Kasko‑insured unaffected.
• A change in Regionalklasse can influence premiums, but final prices also depend on factors such as vehicle type class, annual mileage, individual discounts and repair‑cost trends that have recently pressured insurers.