Best liability insurance in Germany: Our top 3 plans (2026)

Liability insurance gives you peace of mind by protecting you financially if accidents happen.

Although it isn’t required by law, about 85% of residents in Germany choose to have it. This insurance covers the costs if you accidentally damage someone else’s property or cause harm to another person.

However, choosing the best liability insurance policy can be tricky.

That’s why we tested more than a dozen liability insurance companies, comparing price, coverage, customer support, and reviews.

From our research, three companies stood out:

Disclaimer

Policy details can vary, as insurers offer multiple plans. We selected the one we found most noteworthy, but exploring your options, including those not mentioned in this post, may lead you to a better fit. Our rankings are based on a specific methodology, which we encourage you to review to see if it aligns with your priorities. While we strive for accuracy, the decision is ultimately yours, and speaking with an insurance expert can provide more personalized guidance than this article.

With that in mind, let's look at each company and what makes each a great option.

1. Feather: For English speakers

Standout feature: Best coverage guarantee and support in English

Pricing: €4.94 for individuals, €6.58 for couples and €8.94 for families (monthly)

Pros and cons of Feather’s liability insurance

Our take

Feather’s key feature is the best performance guarantee. If you find better coverage elsewhere (at a similar price), Feather will match it. This makes Feather’s liability insurance plan one of the best in Germany.

All plans offer the flexibility to cancel at any time, so you’re not locked in for a long period. Additionally, the support is fully digital and available in English, making it easy to manage your policy.

Feather covers up to €50 million per person. It also includes debt-default protection, ensuring you’re covered even if someone cannot pay the damages.

An interesting bonus is coverage for drones weighing up to 5kg, which is usually an additional cost.

However, good coverage is only as good as the support you receive when accidents occur.

That’s not an issue with Feather, which has the best-rated insurance support in Germany, with an average Trustpilot rating of 4.8 out of 5.

Overall, Feather offers excellent coverage at a competitive price. It’s a smart choice for anyone in Germany looking for reliable, all-around liability insurance that won’t leave you in the lurch when accidents happen.

Disclaimer

This is our list, which reflects our perspective and opinions. However, with over seven years of insurance expertise and consistently positive client reviews, we firmly believe that our top ranking for expats in Germany is well-deserved. That said, we encourage you to independently assess and verify our claims.

2. AXA: For an affordable policy

Standout feature: Low starting costs for personal tariffs

Pricing: Starting from €1.49 monthly

The pros and cons of AXA liability insurance

Our take

AXA is one of Germany’s largest insurance providers, with over 7.4 million customers. This large customer base enables them to offer more competitive tariffs.

In fact, they offer the most budget-friendly liability insurance, according to our research, with premiums starting at just €1.49 for coverage of up to € 10 million.

This makes them a great option for customers looking for budget-friendly liability insurance.

However, low tariff costs come with trade-offs: 10 million euros is considered low for liability insurance, meaning you risk paying out of pocket for claims exceeding the coverage amount.

With a customer satisfaction rating of 1.4/5, it is worth considering that while AXA is ideal for highly budget-conscious customers, they may not always offer the smoothest experiences when interacting with them.

Disclaimer

We focused on AXA’s most affordable plan because it appeals to customers who might not be able to afford more comprehensive options. However, AXA also offers plans with higher coverage amounts and enhanced services for more comprehensive protection. Depending on your priorities, these plans may offer better value. For further details, please visit AXA’s website.

3. Adam Riese: Excellent for large families

Standout feature: Automatic co-insurance for new children

Pricing: Starting from €1.64 monthly

The pros and cons of Adam Riese liability insurance

Our take

Adam Riese offers liability insurance across three plans: L, XL, and XXL. Coverage on these plans ranges from €7.5 million to €50 million for individuals and families.

Across their plans, new babies are automatically co-insured for one year at no additional cost. This protection starts directly from birth for your biological children, your partner’s children living in the household, and for adopted or foster children.

After that, children are insured at a favorable family rate.

This makes it ideal for large families, as it offers peace of mind without additional costs for new parents and those with multiple children.

Our methodology: How we compared liability insurance policies

When compiling this list, we aimed to be comprehensive. Here’s our process:

First, we consulted with our in-house insurance specialists to pinpoint 12 potential candidates.

Next, we gathered quotes and sample policies from each provider, reviewing approximately 30 policies in total.

We then closely examined the fine print, focusing on factors such as:

• Pricing
• Coverage details
• Exclusions
• Coverage limits
• Deductibles

To enrich our analysis, we reviewed customer feedback on Trustpilot as an overall satisfaction indicator; however, we acknowledge that this metric has a negative bias, as dissatisfied customers tend to post more frequently than satisfied ones.

For a broader perspective, you may also want to explore ratings on platforms like Google Reviews or Yelp. Our ratings and metrics were most recently updated on February 7, 2025.

Finally, we tested each company’s customer service by calling their helplines 10 times over a three-week period at various times, specifically to check if an English-speaking representative was available.

Conclusion​​

Well, here is our list of what we believe are some of the top contenders for the best liability insurance in Germany.

While we’ve provided a detailed overview, real customer experiences are invaluable. We recommend reviewing a company’s online ratings, and talking to your friends and family to ensure a plan aligns with your needs, budget, and expectations.

Additionally, consulting with an insurance broker can help tailor your choice to your specific situation.

For more information on how this insurance works, please see our comprehensive guide to liability insurance.

If you’re curious whether Feather’s liability plan is a good fit for you, feel free to book a call with our experts.

Alternatively, drop your questions below, and we’ll respond within a few days.