Car Insurance Comparison Austria 2026: Save Up to €950

Car Insurance 2026: Compare Now and Save Up to €950

Car insurance (Kfz-Versicherung) is one of the biggest annual expenses for car owners in Austria. Yet by simply comparing providers, you can save up to €950 per year – depending on your vehicle and no-claims class, sometimes even more.

Important 2026 update: Since April 2025, electric vehicle owners must also pay the motor-related insurance tax. For many EV drivers, this means additional costs of €300-500 per year.

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The Three Types of Car Insurance

The Bonus-Malus System in Austria

Car liability insurance in Austria uses a Bonus-Malus system with levels from 0 to 18. The lower your level, the cheaper your premium.

Important: Each claim-free year improves your level by 1. A claim worsens it by 3-4 levels.

New EV Insurance Tax from 2025

Since April 2025, electric vehicles must also pay the motor-related insurance tax (motorbezogene Versicherungssteuer). This was previously one of the biggest financial advantages of EVs.

How the Tax Is Calculated for EVs

The tax consists of two components:

1. Power component: Based on continuous power output (kW)
2. Weight component: Based on maximum permitted gross weight

Example calculation for a Tesla Model Y:

• Continuous power: ~200 kW
• Weight: ~2,000 kg
• Estimated annual tax: approx. €450-550

How to Switch Car Insurance

Mind the Cancellation Deadlines

• Cancellation deadline: 1 month before contract end
• On premium increase: Special cancellation right within 1 month
• After a claim: Special cancellation right within 1 month

Step by Step to a New Contract

1. Compare: Use a comparison calculator like durchblicker.at
2. Sign new contract: The new insurer usually handles the cancellation
3. Get insurance confirmation: For the registration office
4. Transfer bonus level: Happens automatically

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Tips for Cheaper Car Insurance

1. Choose a Deductible

A higher deductible significantly lowers your premium:

| Deductible | Premium Savings (approx.) | |------------|---------------------------| | €0 | Baseline | | €150 | -10 to -15% | | €300 | -15 to -25% | | €500 | -20 to -30% |

2. Use Mileage Limits

If you drive less, you can save:

• Under 10,000 km/year: Often 10-20% cheaper
• Under 5,000 km/year: Up to 30% cheaper

3. Garage Discount

Do you regularly park your car in a garage? Many insurers offer 5-10% discount.

4. Multi-Vehicle Discount

Insure multiple vehicles with the same provider? This can bring 5-15% discount.

Frequently Asked Questions (FAQ)

When is comprehensive insurance (Vollkasko) worth it?

Comprehensive insurance is particularly worthwhile for:

• New cars (in the first 3-5 years)
• Leased vehicles (often mandatory)
• High-value vehicles
• New drivers (higher accident risk)

Rule of thumb: If the annual Vollkasko premium exceeds 10% of the vehicle's value, Teilkasko may be sufficient.

Can I transfer my bonus level when switching?

Yes, your no-claims class is automatically transferred when switching to a new insurer. You don't need to apply separately – the new insurer checks your history in the central registry.

What should I know about wildlife collisions?

• Wildlife collisions are covered under Teilkasko
• Evasion damage is often NOT covered – check your policy
• Always call the police and document the damage
• Get wildlife damage confirmation from a hunter or the police

Do I need special EV insurance?

No, but you should look for specific coverage:

• Battery damage: Not included with all providers
• Charging cable/Wallbox: Should be insured
• Cyber protection: Some premium plans offer hacking protection

Compare specifically the EV tariffs at durchblicker.at.

Insurance Providers in Austria Compared

The largest car insurers in Austria:

| Provider | Strengths | Best For | |----------|-----------|----------| | UNIQA | Wide network, good service | All-rounders | | Generali | International coverage | Frequent travelers | | Allianz | Premium service | New cars, luxury vehicles | | Wiener Städtische | Regional strength | Vienna and surroundings | | Zürich | EV special tariffs | EV owners | | Grazer Wechselseitige | Affordable rates | Price-conscious customers |

Important: Premiums vary significantly depending on vehicle, region, and personal situation. Comparing is always worthwhile.

Conclusion: Comparing Car Insurance Is Always Worth It

With car insurance, you can save hundreds of euros per year through a simple comparison – without sacrificing coverage. Especially after the introduction of the EV insurance tax, comparing is worthwhile for electric vehicle owners.

Our tip: Compare annually before your contract ends – premiums and conditions change regularly.

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Sources: WKO, durchblicker.at, ÖAMTC. Updated: February 2026.