- Around 1.5 million fewer drivers will be affected by the new regional classes in 2020 than in the previous year.
- 54 districts improve in their regional class, 50 approval districts are upgraded.
- The new regional class can make car insurance cheaper or more expensive in 2020.
The Association of the German Insurance Industry published the new regional classes for 2020 today. You give that Damage balance of over 400 approval districts again. In motor vehicle liability insurance this includes traffic accidents, in partial and fully comprehensive insurance Car thefts, game accidents and vehicle fires.
As in previous years, it can be seen that drivers can also count on low regional classes in 2020 in the more sparsely populated states of Mecklenburg-Western Pomerania, Brandenburg, Schleswig-Holstein and Lower Saxony. Farther it remains expensive in the big cities. Leader with the worst loss balance Berlin. The damage there is around a third higher than the national average.
New regional classes in 2020 for over 100 cities and regions
There are regional classes for motor vehicle liability insurance (maximum 12 levels) as well as for partial coverage (16) and full coverage (9). Most changes will take place in 2020 at Liability. 5.1 million drivers are classified in a better class, while 4.2 million drivers are in a worse class.
Both Comprehensive insurance the shifts are less. 2.8 million insured will receive a lower regional class in 2020 and 3.3 million a higher one.
The general rule: The lower the regional class, the cheaper the premium for car insurance. If class 2020 drops, car insurance can become cheaper. However, since the costs depend on various factors, it is possible that the reduction in contributions may be offset, for example, by a higher type class.
Overview of the highest and lowest regional class 2020
The following table shows where the regional class in motor vehicle liability insurance 2020 is highest or lowest depending on the federal state. In which cities or regions the regional class is included gone up interested parties can find out on the overview page for car insurance.
| federal state | Regional class 2020 |
|---|---|
| Baden-Wuerttemberg | Pforzheim (12) Hohenlohekreis (1) |
| Bavaria | Augsburg city, Fürth city, Kempten / Allgäu, Munich city, Nuremberg (12) Kronach (1) |
| Berlin | Berlin (12) |
| Brandenburg | Potsdam (7) Cottbus, Elbe-Elster, Oberspreewald-Lausitz, Ostprignitz-Ruppin, Prignitz, Spree-Neisse, Teltow-Fläming, Uckermark (1) |
| Bremen | Bremerhaven (8) Bremen (7) |
| Hamburg | Hamburg (12) |
| Hesse | Kassel Stadt, Offenbach Stadt, Wiesbaden (12) Hersfeld-Rotenburg, Vogelsbergkreis (1) |
| Mecklenburg-West Pomerania | All approval areas in regional class 1 or 2 |
| Lower Saxony | Hannover city (9) Friesland, Goslar, Leer, Lüchow-Dannenberg, Nienburg / Weser, Osterholz, Uelzen, Wittmund (1) |
| North Rhine-Westphalia | Essen, Gelsenkirchen (12) Coesfeld, Höxter, Soest (2) |
| Rhineland-Palatinate | Ludwigshafen (10) Bad Kreuznach Land, Bernkastel-Wittlich, Birkenfeld / Nahe, Bitburg-Prüm, Cochem-Zell, Daun, Idar-Oberstein, Kusel, Rhein-Hunsrück-Kreis (1) |
| Saarland | Voelkingen (10) Merzig / Wadern (4) |
| Saxony | Leipzig city (10) Görlitz, Central Saxony (1) |
| Saxony-Anhalt | Halle (Saale), Magdeburg (7) Altmarkkreis Salzwedel, Boerde, Jerichower Land, Salzland, Stendal (1) |
| Schleswig-Holstein | Pinneberg (8) Dithmarschen, Schleswig-Flensburg, North Frisia, Rendsburg-Eckernforde (1) |
| Thuringia | Unstrut-Hainichen Circle (9) Kyffhäuserkreis, Nordhausen, Sömmerda (1) |
–
