Why Military Members in Germany Need Specialized Car Insurance
If you’re part of the U.S. Armed Forces stationed in Germany, figuring out car insurance can be confusing. You’re not just dealing with another country’s laws – you’re also navigating the Status of Forces Agreement (SOFA), Military rules and providers that may not fully understand your situation.
While certain Insurance companies might be familiar back home, they often fall short abroad – delayed support, higher premiums, and zero on-the-ground service.
✅ What Type of Insurance Is Required in Germany?
In Germany, liability insurance is mandatory for every vehicle. This covers damages you cause to others (people, property, vehicles). Driving without it is illegal – even on U.S. installations.
Optional coverages include:
- Partial Comprehensive (Teilkasko): Theft, vandalism, broken glass, weather damage.
- Full Coverage (Vollkasko): Includes partial comp + damage you cause to your own vehicle (e.g. accidents, hit-and-run). If your vehicle is financed, you will be required by your lender to have full coverage insurance.
At Milinsure, we offer all three in packages tailored for PCS newcomers, families, and people currently stationed in Germany.
⚠️ Common Mistakes to Avoid
- Assuming U.S. coverage works here: It doesn’t. U.S. auto insurance isn’t valid in Germany.
- Overpaying with U.S.-based providers: Some charge 30–40% more because they don’t price for local risk.
- Assuming you’ll have your Insurance Instantly: While Milinsure can get you insured in less than 5 minutes, some providers have a longer time frame – meaning if you don’t plan your registration appointment in advance, you might not be able to get your car registered as planned.
🧾 What Documents You’ll Need
To start a policy in Germany, you typically only need:
- Your personal information
- Your vehicle information (VIN, Year etc..)
Milinsure makes it simple – you can start a quote online and finish via phone, WhatsApp, or email in minutes.
💬 Why Milinsure Is Different
- 🚗 Military-first coverage – we insure POVs with full SOFA compliance
- 💸 Better pricing than US Providers
- ⏱️ Policies in under 5 minutes
- 🧑💻 Live, English-speaking support – on the same time zone as you
👇 Ready to Get Covered?
Whether you’re new to Germany or just tired of overpaying, Milinsure makes insurance fast, affordable and hassle-free for U.S. military members and their families.