Germany insurance market
Germany insurance market data details premiums, benefits, and contracts in force.
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| Indicator | 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|---|
| Whole market3 | |||||
| Premium income1 | |||||
| Insurance industry total3 | 253.6 | 237.9 | 226.2 | ||
| Life insurance total1 | 99.4 | 94.6 | 92 | ||
| Occupational pensions | 19.5 | 19.3 | 19.1 | ||
| Private health insurance | 54.4 | 50.7 | 48.7 | ||
| Property and casualty insurance | 99.7 | 92.5 | 85.5 | ||
| Benefits and claims1 | |||||
| Insurance industry total3 | 211.1 | 210 | 200.7 | ||
| Life insurance total | 99.6 | 101.8 | 99 | ||
| Private health insurance | 42.1 | 39.3 | 35.7 | ||
| Property and casualty insurance | 69.4 | 68.9 | 66 | ||
| Insurance contracts1 | |||||
| Insurance industry total3 | 501.5 | 501.4 | 488.2 | ||
| Life insurance total1 | 82.8 | 84.3 | 85.5 | ||
| Occupational pensions | 16.3 | 16.5 | 16.6 | ||
| Private health insurance | 40.8 | 40 | 38.5 | ||
| Property and casualty insurance | 377.9 | 377.1 | 364.2 | ||
| Life insurance4 | |||||
| Gross premiums written1 | |||||
| Total2 | 96.7 | 91.8 | 89.1 | ||
| Regular premiums | 64.5 | 64.4 | 64.3 | ||
| Single premiums | 32.1 | 27.4 | 24.8 | ||
| Contracts in force1 | |||||
| Total contracts2 | 78.9 | 80.3 | 81.4 | ||
| Riester pension products | 9.5 | 9.7 | 10 | ||
| Basic pension products | 2.9 | 2.8 | 2.7 | ||
| New business1 | |||||
| New contracts2 | 3.8 | 4.3 | 4.4 | ||
| New Riester pension products | 129.5 | 30.4 | 41.1 | ||
| New basic pension products | 111.7 | 132.3 | 133.8 | ||
| Annual premium equivalent1 | |||||
| Total2 | 10 | 9.3 | 8.9 | ||
| Annualised regular premiums | 6.8 | 6.6 | 6.4 | ||
| Single premiums | 3.2 | 2.7 | 2.5 | ||
| Private health insurance3 | |||||
| Premium income1 | |||||
| Private health insurance total2 | 54.4 | 50.7 | 48.7 | 47.2 | |
| Health insurance | 48.2 | 44.5 | 42.9 | 42.1 | |
| Long-term care insurance | 6.3 | 6.2 | 5.7 | 5.1 | |
| Insurance benefits1 | |||||
| Private health insurance total2 | 42.1 | 39.3 | 35.7 | 33.4 | |
| Health insurance | 39 | 36.5 | 33.2 | 31 | |
| Long-term care insurance | 3 | 2.7 | 2.4 | 2.4 | |
| Insurance contracts1 | |||||
| Private health insurance total2 | 40.8 | 40 | 38.5 | 38 | |
| Comprehensive insurance | 8.8 | 8.7 | 8.7 | 8.7 | |
| Supplementary insurance | 32 | 31.3 | 29.8 | 29.3 | |
| Property and casualty insurance4 | |||||
| Gross premiums written2 | |||||
| Property and casualty insurance total7 | 99.7 | 92.5 | 85.5 | ||
| Motor insurance total3 | 38.6 | 34 | 30.6 | ||
| Motor vehicle liability insurance | 21.8 | 19.5 | 17.7 | ||
| Fully comprehensive motor insurance | 14.4 | 12.5 | 11 | ||
| Partially comprehensive motor insurance | 2.2 | 1.9 | 1.7 | ||
| Property insurance total2 | 34.1 | 32 | 29.2 | ||
| Private property insurance2 | 18.7 | 17.7 | 16.1 | ||
| Residential building insurance | 14.2 | 13.3 | 11.8 | ||
| Household contents insurance | 3.8 | 3.7 | 3.6 | ||
| Non-private property insurance2 | 15.4 | 14.4 | 13.1 | ||
| Commercial, industrial and agricultural property | 12.1 | 11.3 | 10.3 | ||
| Engineering insurance | 3.2 | 3 | 2.8 | ||
| General liability insurance | 9 | 8.9 | 8.6 | ||
| Private accident insurance | 6.9 | 6.8 | 6.7 | ||
| Legal expenses insurance | 5.6 | 5.3 | 5 | ||
| Transport and aviation insurance | 2.4 | 2.5 | 2.5 | ||
| Credit, surety and fidelity insurance | 2.4 | 2.4 | 2.3 | ||
| Motor fleet insurance | 5.3 | 4.8 | 4.4 | ||
| Claims incurred2 | |||||
| Property and casualty insurance total7 | 69.4 | 68.9 | 66 | ||
| Motor insurance total3 | 32 | 30.8 | 30 | ||
| Motor vehicle liability insurance | 18.1 | 17 | 16.2 | ||
| Fully comprehensive motor insurance | 12.4 | 12.4 | 12.3 | ||
| Partially comprehensive motor insurance | 1.4 | 1.4 | 1.5 | ||
| Property insurance total2 | 20.9 | 22 | 20.7 | ||
| Private property insurance2 | 10.6 | 11.5 | 10.5 | ||
| Residential building insurance | 8.7 | 9.5 | 8.6 | ||
| Household contents insurance | 1.7 | 1.8 | 1.7 | ||
| Non-private property insurance2 | 10.3 | 10.6 | 10.2 | ||
| Commercial, industrial and agricultural property | 8.5 | 8.7 | 8.6 | ||
| Engineering insurance | 1.8 | 1.8 | 1.6 | ||
| General liability insurance | 5.7 | 5.6 | 5.3 | ||
| Private accident insurance | 3.6 | 3.6 | 3.5 | ||
| Legal expenses insurance | 4.1 | 3.8 | 3.6 | ||
| Transport and aviation insurance | 1.4 | 1.4 | 1.4 | ||
| Credit, surety and fidelity insurance | 1.1 | 1.1 | 1 | ||
| Motor fleet insurance | 4.7 | 4.6 | 4.4 | ||
| Contracts in force2 | |||||
| Property and casualty insurance total7 | 377.9 | 377.1 | 364.2 | ||
| Motor insurance total3 | 133.2 | 132.4 | 130.9 | ||
| Motor vehicle liability insurance | 71.4 | 71.1 | 70.4 | ||
| Fully comprehensive motor insurance | 33.4 | 33.7 | 33.6 | ||
| Partially comprehensive motor insurance | 22.4 | 21.8 | 21.4 | ||
| Property insurance total | 104.7 | 104.7 | 101 | ||
| General liability insurance | 51.1 | 50.8 | 49.4 | ||
| Private accident insurance | 24.5 | 24.8 | 25.1 | ||
| Legal expenses insurance | 26 | 25.7 | 27.1 | ||
| Transport and aviation insurance | 7.7 | 7.7 | |||
| Credit, surety and fidelity insurance | 0.8 | 0.7 | 0.7 | ||
| Motor fleet insurance | 5.8 | 5.7 | 5.7 |
Latest reading
The series on this page is annual and runs from 2023 to 2025.
About this data
Germany insurance market data details premiums, benefits, and contracts in force. The annual figures cover the whole market and major lines such as life, private health, and property and casualty insurance. Available breakdowns include specific classes like motor vehicle liability and the asset allocation of insurers, published by the GDV since 2022.
Frequently asked questions
- What is the latest figure for Germany insurance market?
- Insurance industry total stood at 253.6 billion euros in 2025. That is +6.6% from 2024.
- How far back does the Germany insurance market data go?
- The series on this page is annual and runs from 2023 to 2025. Every series in the table can be charted over its full history and downloaded as CSV or Excel.
- What does the Germany insurance market table measure?
- It measures gross premiums written, benefits paid, and the number of contracts in force across the German insurance industry, as well as the asset allocation of insurers.
- Which lines of insurance are covered in the German market data?
- The data covers the whole German insurance market and breaks down into major lines including life insurance, private health insurance, and property and casualty insurance, along with specific classes like motor vehicle liability.
- Does the Germany insurance market data show how insurers invest their reserves?
- Yes, the Germany insurance market data includes a breakdown of the asset allocation of insurers, detailing investments such as bank deposits, real estate, participating interests, and fixed income held through funds.