Insurance premiums: Berlin increases, Brandenburg benefits!

Insurance premiums: Berlin increases, Brandenburg benefits!

Current developments in the motor vehicle insurance landscape require a watchful eye. From September 2025, drivers in Berlin and Brandenburg will face different challenges when it comes to their insurance premiums. While the capital will probably have to pay higher premiums, people in Brandenburg can look forward to falling costs. These changes result from the newly calculated regional classes, which are based on last year's accident numbers.

In Berlin the number of accidents has increased compared to the previous year, which leads to a classification in a higher regional class. Over 400,000 partially comprehensive insurance policyholders in the city are affected and have to, reports the rbb24, expect increased contributions. Berlin has been on one of the most expensive levels for several years, particularly when it comes to liability and fully comprehensive insurance - 12th out of 16. However, in Brandenburg, where the number of accidents is below the national average, around 200,000 people with comprehensive insurance benefit from lower premiums, especially in the districts of Potsdam, Oder-Spree, Frankfurt (Oder) and Elbe-Elster.

Regional classes in detail

What are regional classes and how do they affect the premiums? These classes are determined annually and reflect the loss balances of the respective approval districts. The calculation is carried out by the General Association of the German Insurance Industry (GDV). Various factors come into play, including accident rates, car thefts and even wildlife accidents. Logically, lower regional classes lead to cheaper premiums. But other influencing factors such as driving behavior or the type of vehicle also play a role.

To keep track: In Berlin, liability, fully comprehensive and partially comprehensive insurance is at level 12. In contrast, Potsdam has a liability class of 6, fully comprehensive insurance of 3 and partial comprehensive insurance of 6. What savings means for drivers in Brandenburg is reinforced by the extremely low accident numbers in Elbe-Elster, where the region even has the lowest number of accidents in Germany.

Impact on the entire market

The Motor vehicle insurance market shows itself in motion. In 2023, car insurance premiums increased by 1.8%, which was linked to a 7.2% increase in vehicle sales. Forecasts indicate that premium prices will continue to rise in the coming years due to inflation and other market conditions. The industry expects annual growth of 2.2% on average between 2023 and 2028. Next year in particular, an increase in revenue of up to 11% is forecast.

Readers in Cologne also have their own regional classes, which are crucial for their rewards. The liability class in North Rhine-Westphalia is currently 10, the fully comprehensive insurance is 7, and the partial comprehensive insurance is 9, which allows us to conclude that some drivers here will certainly be affected by the upcoming changes.

Changing your car insurance can make sense, especially since the notice period for contracts that apply from January 1st is usually November 30th. So if you are looking for suitable insurance in the coming period, you should keep this in mind early on. The dynamic changes in the insurance landscape require us to be attentive and, if necessary, react in a timely manner.