Car insurance · Car insurance · Germans in Spain
Car insurance in Spain for Germans
Are you looking for car insurance in Spain or car insurance in Spain? Here you will find the most important information about compulsory insurance, extended third-party cover, comprehensive cover, costs, assistance and the documents for a quote.
Prepare your car insurance enquiry
To prepare a suitable quote, we need the vehicle details, the drivers’ profiles and the cover you want. The more accurate your information, the easier it is to identify a suitable policy.
Motor vehicle liability for every vehicle
Extended third-party cover, comprehensive cover, assistance
Driver, place of residence, garage, vehicle value
What is mandatory for car insurance in Spain?
At least a valid motor vehicle liability insurance is required. It covers damage that you cause to other people, vehicles or other people's property with your vehicle. However, for many drivers, purely compulsory coverage is not enough because it does not automatically adequately cover damage to their own vehicle, theft, glass breakage or breakdown assistance.
What types of coverage are there?
| Coverage | Spanish term | Typical use |
|---|---|---|
| Liability | Responsabilidad Civil / Seguro obligatorio | Compulsory coverage, damage to third parties |
| Extended third-party cover | Terceros ampliado | Often with glass, fire, theft or assistance |
| Comprehensive cover | Todo riesgo | For new, expensive, financed or leased vehicles |
| Roadside assistance | Asistencia en viaje | Towing, roadside assistance and alternative transport, depending on the policy |
How much does car insurance cost in Spain?
Prices vary greatly. A rough guide per year:
- Liability: often around €250-600
- Extended third-party cover / terceros ampliado: often around €350-900
- Comprehensive insurance / todo riesgo: often around €600-1,800
The decisive factors are the age and experience of the driver, vehicle value, engine size, place of residence, garage or street parking, annual mileage, excess and desired additional services.
Briefly summarized
If you are looking for car insurance in Spain, you should not just compare the annual price. At least as important are assistance, comprehensive insurance benefits, excesses, drivers covered and handling in the event of a claim.
Which documents are usually required?
Typical mistakes made by German drivers in Spain
- Only compare the cheapest premium and ignore assistance, glass or theft.
- Specify the drivers covered incorrectly or too narrowly.
- Do not prepare the German proof of no-claims.
- With comprehensive cover, do not pay attention to the excess and workshop commitment.
- Assume that German terms and Spanish terms are identical.
Extended third-party or comprehensive cover?
For older vehicles, liability plus assistance may be sufficient. For newer cars, a higher vehicle value, financing or leasing, comprehensive cover often makes more sense. Extended third-party cover is often a good middle ground if you want to cover theft, glass, fire and assistance, but comprehensive cover would be too expensive.
Car insurance guide
FAQ about car insurance in Spain
Is car insurance compulsory in Spain?
Yes. At least motor vehicle liability insurance is mandatory.
How much does car insurance cost in Spain?
This depends heavily on the vehicle, driver, region and coverage. Liability is cheaper, extended third-party and comprehensive cover offer more protection.
Can I use my German no-claims bonus?
Evidence can often help. However, recognition depends on the provider.
What documents do I need?
Usually ID or NIE, driving license, vehicle details, place of residence, drivers covered and information on previous insurance.
What does assistance mean?
Assistance means roadside and travel assistance. Check the towing limits, alternative transport and whether cover starts at your doorstep (kilometre zero).
Request car insurance in Spain
Fill out the request with the most important information. It will then be easier to assess which coverage makes sense.
Official MAPFRE documents
Car insurance – brochure in German
For an initial overview, you can download the official German-language MAPFRE product brochure directly.
As of: July 2022. Current services and conditions may vary; What matters is the current quote.