Liability insurance (Kfz-Haftpflicht) is mandatory in Austria. Additionally, you can protect your vehicle with partial (Teilkasko) or comprehensive (Vollkasko) coverage. Comparing providers can result in significant savings.
Types of Car Insurance
Liability Insurance
Legally required. Covers damages you cause to others with your vehicle.
Partial Coverage (Teilkasko)
Recommended for vehicles 3-6 years old. Covers theft, natural events, glass damage, animal collisions.
Full Coverage (Vollkasko)
Recommended for new vehicles (0-3 years). Additionally: Self-caused accidents, vandalism, parking damage.
Savings Potential
Compare every 1-2 years as rates change.
The Bonus-Malus System
Austria has 19 levels (0-18). The lower the level, the cheaper the premium.
What affects the premium?
Engine power
kW/PS of the vehicle
Bonus-Malus level
0-18, lower is better
Driver age
Young drivers pay more
Residential area
City vs. rural
Occupation
Some professions get discounts
Annual km
Fewer km = cheaper premium
How comparison works
Enter vehicle data
Brand, model, first registration, power
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18+ insurers at a glance
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Go to Comparison CalculatorPrices and conditions vary depending on vehicle and personal factors. As of: December 2025.