Cheapest Car Insurance with No Credit Check in Germany

Are you struggling to find affordable car insurance in Germany because of your credit history or lack of a Schufa score? You’re not alone. As a licensed insurance agent with over 10 years of experience in the German insurance market, I’ve helped many drivers, especially freelancers, expats, and those with low credit, secure car insurance without breaking the bank.

In this blog post, you’ll learn:

• What no-credit-check car insurance is
• How car insurance with no credit check works in Germany
• What affects your premium
• Real companies offering these policies
• A true story from one of my clients
• Tips for keeping your rates low

Let’s dive right in.

What Is Car Insurance with No Credit Check in Germany?

In Germany, car insurance with no credit check means your insurer does not review your credit history or Schufa report to determine if you qualify for coverage. While Schufa checks are not always mandatory for third-party liability insurance, they can still affect:

• Your eligibility
• Your payment options (e.g., monthly installments)
• The cost of your premium

Some digital-first insurers now offer car insurance without requesting a credit report at all. This has opened up affordable insurance options for more people than ever before.

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Do German Insurers Use Your Credit Score?

Unlike countries like the United States, Germany doesn’t use credit scores as a primary rating factor for insurance premiums. That said, some insurers may run a soft Schufa check to verify your identity or assess your reliability with monthly payments.

If your Schufa report includes past defaults or unpaid bills, it could result in:

• Higher premiums
• Denied installment options
• Total application rejection

This is why choosing a provider that skips the credit check can be a smart move. By purchasing your car insurance policy from a German insurer that skips your credit history, you can get the cheapest policy ever.

Why Choose Car Insurance with No Credit Check?

Here are a few solid reasons to consider this option:

• Easier Approval: You avoid rejection due to your financial history.
• Lower Risk of Premium Hikes: No credit check means fewer variables affecting your quote.
• Faster Application Process: Most no-credit-check policies can be set up 100% online.

In other words, it’s peace of mind for those with poor credit or limited credit history.

What Still Affects Your Car Insurance Premium?

Even when there’s no credit check, insurers still consider the following:

1. Driver’s Age and Experience

Young drivers under 25 tend to pay higher premiums.

2. Car Type and Engine Size

Vehicles with powerful engines or high theft risk are more expensive to insure.

3. Location (PLZ)

Living in a busy city like Berlin or Hamburg? Expect slightly higher rates due to traffic and accident density.

4. Mileage

Driving less than 10,000 km per year can lower your premium.

5. No-Claims Class (Schadenfreiheitsklasse)

The longer you go without filing a claim, the cheaper your coverage.

Best No Credit Check Car Insurance Providers in Germany

Here are some of the most trusted names offering this kind of insurance:

DA Direkt

A well-established direct insurer with flexible online applications.
Starting from: €240/year (liability coverage)

HUK24

Digital arm of HUK-Coburg, ideal for experienced drivers.
Starting from: €270/year, depending on vehicle and SF class.

Friday Insurance

Popular digital provider with strong reviews and fast processing.
Starting from: €22/month for Haftpflichtversicherung.

Feather Insurance

Focused on expats, with a simple English-language application process.
Ideal for: Foreigners without a German credit history.

Tip: Use platforms like Check24.de or Verivox.de to compare providers and filter for policies with no Schufa check.

Real Client Story: Daniel from Leipzig

Last year, I worked with Daniel, a 34-year-old freelance photographer. Due to a dip in income while going through a divorce, his Schufa record wasn’t ideal. He applied for car insurance through a traditional provider and was shocked by the price—€112/month for basic liability cover.

We switched strategies and explored options with no credit check. Friday Insurance offered Daniel a plan for just €26/month, and no Schufa check was required. He took it.

Two months later, his car was rear-ended while stopped at a red light. Thanks to his Vollkasko plan, Friday Insurance paid the full cost of repairs—no headaches, no delays.

Daniel was able to get back to work stress-free. Today, he happily refers others in his industry to similar plans.

How to Apply for No Credit Check Car Insurance in Germany

Follow these five simple steps:

1. Gather car documents: Registration papers, previous insurance, and your driver’s license.
2. Choose your coverage: Haftpflicht (third-party), Teilkasko, or Vollkasko.
3. Use comparison portals: Focus on no-credit-check filters.
4. Read the policy fine print: Watch for “optional” Schufa checks.
5. Apply online: Get covered in less than 24 hours with some insurers.

Can Expats in Germany Get Car Insurance Without Credit Checks?

Yes! Many expats don’t have a Schufa history, especially within their first 6–12 months in Germany. Digital insurers like Feather and Friday cater to this group.

With simplified forms, English-language support, and no Schufa dependency, these insurers make it easy for newcomers to stay road-legal.

Tips to Lower Your Premium Without a Credit Check

Here’s how to keep your costs low, even without touching your credit file:

• Use a dashcam: Some insurers reward safe driving tech.
• Opt for yearly payments: You may save 5–10%.
• Limit mileage: Less road time = lower risk.
• Increase your deductible: This reduces monthly premiums.
• Maintain a clean driving record: Each claim-free year boosts your SF class.

Relevant Stats on the German Market

• Over 17% of young drivers face insurance rejections due to financial history (Check24, 2024).
• More than 1 in 10 new policies are now issued through digital-first insurers.
• The total value of Germany’s car insurance market reached €30 billion in 2023.

Clearly, this is a growing market with room for more inclusive, tech-driven solutions.

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Final Thoughts

Choosing the cheapest car insurance in Germany with no credit check doesn’t mean compromising on quality. Today’s market offers a wide range of providers who understand that not everyone has perfect credit or a long financial history.

With the right approach, you can find an affordable policy, even with limited or bad credit.

Need Help Finding the Right No-Credit Car Insurance?

As a professional with a decade of experience, I can help you compare options and apply stress-free. Send an email to [email protected].