Compare Car Insurance in Austria

Compare the top car insurance providers in Austria — see cover, features and typical rates side by side.

Live offers

18 live offers compared from 18 providers. Updated daily.

Helvetia Autoversicherung AT Helvetia AT

Price on request

  • Abdeckungstyp: Vollkasko (umfassend)
  • Aus dem Jahresbericht: Ab 370 €/Jahr
  • Bonus-Malus: Direkt + Agent
  • Hauptmerkmal: Helvetia – Schweizer Konzern; wettbewerbsfähig auf dem AT-Markt

Wiener Städtische Autoversicherung AT Wiener Städtische

Price on request

  • Abdeckungstyp: Vollkasko
  • Aus dem Jahresbericht: Ab 390 €/Jahr
  • Bonus-Malus: Agent + online
  • Hauptmerkmal: Wiener Städtische — VIG-Gruppe; starker Pannenassistent

Generali Kfz-Versicherung AT Generali AT

Price on request

  • Abdeckungstyp: Vollkasko
  • Aus dem Jahresbericht: Ab 410 €/Jahr
  • Bonus-Malus: Agent + online
  • Hauptmerkmal: Generali – italienischer Versicherer; umfassende Deckung in Österreich

FinanzMarkt Car AT FinanzMarkt Car AT

Price on request

  • Abdeckungstyp: Umfassend
  • Aus dem Jahresbericht: Ab 350 €/Jahr (Vergleich)
  • Bonus-Malus: Bis zu -50% Bonus
  • Hauptmerkmal: FinanzMarkt – AT-Vergleichsseite; Angebote mehrerer Versicherer

Grazer Car AT Grazer Car AT

Price on request

  • Abdeckungstyp: Umfassend
  • Aus dem Jahresbericht: Ab 395 €/Jahr
  • Bonus-Malus: Bis zu -50% Bonus
  • Hauptmerkmal: Grazer – Steiermark-Regionalbetrieb; Dividenden für Mitglieder

ERGO Auto AT ERGO Car AT

Price on request

  • Abdeckungstyp: Umfassend
  • Aus dem Jahresbericht: Ab 400 €/Jahr
  • Bonus-Malus: Bis zu -50% Bonus
  • Hauptmerkmal: ERGO – Munich Re Gruppe; oft günstigster Preis AT

Zurich Car AT Zurich Car AT

Price on request

  • Abdeckungstyp: Umfassend
  • Aus dem Jahresbericht: Ab 450 €/Jahr
  • Bonus-Malus: Bis zu -50% Bonus
  • Hauptmerkmal: Zürich – Schweizer Konzern; hohe Schadenersatzzahlung

Donau Car AT Donau Car AT

Price on request

  • Abdeckungstyp: Umfassend
  • Aus dem Jahresbericht: Ab 380 €/Jahr
  • Bonus-Malus: Bis zu -50% Bonus
  • Hauptmerkmal: Donau – Generali-Gruppe; Schadensmeldung rund um die Uhr; Unfallhilfe

HDI Autoversicherung AT HDI Austria

Price on request

  • Abdeckungstyp: Umfassend
  • Aus dem Jahresbericht: Ab 380 €/Jahr
  • Bonus-Malus: Ja
  • Hauptmerkmal: Europäische Pannenhilfe

Donau Autoversicherung AT Donau Versicherung AT

Price on request

  • Abdeckungstyp: Drittanbieter+
  • Aus dem Jahresbericht: Ab 290 €/Jahr
  • Bonus-Malus: Ja
  • Hauptmerkmal: Vienna Insurance Group

ERGO Direct Auto AT ERGO Direct AT

Price on request

  • Abdeckungstyp: Dritte Seite
  • Aus dem Jahresbericht: Ab 240 €/Jahr
  • Bonus-Malus: Ja
  • Hauptmerkmal: Nur online zum niedrigsten Preis

Wüstenrot Autoversicherung AT Wüstenrot Versicherung AT

Price on request

  • Abdeckungstyp: Umfassend
  • Aus dem Jahresbericht: Ab 400 €/Jahr
  • Bonus-Malus: Ja
  • Hauptmerkmal: Bausparkassengruppe

HDI Auto AT HDI Car AT

Price on request

  • Abdeckungstyp: Umfassend
  • Aus dem Jahresbericht: Ab 410 €/Jahr
  • Bonus-Malus: Bis zu -50% Bonus
  • Hauptmerkmal: HDI — Talanx; Rechtsschutz inbegriffen

R+V Auto AT R+V Car AT

Price on request

  • Abdeckungstyp: Umfassend
  • Aus dem Jahresbericht: Ab 365 €/Jahr
  • Bonus-Malus: Bis zu -50% Bonus
  • Hauptmerkmal: R+V – Volksbank/DZ Bank Gruppe; zuverlässige Ansprüche

Allianz Autoversicherung AT Allianz AT

Price on request

  • Abdeckungstyp: Vollkasko
  • Aus dem Jahresbericht: Ab 400 €/Jahr
  • Bonus-Malus: Agent + online
  • Hauptmerkmal: Allianz – globale Marke; starke Schadenbearbeitung

BAWAG Autoversicherung AT BAWAG Car AT

Price on request

  • Abdeckungstyp: Umfassend
  • Aus dem Jahresbericht: Ab 385 €/Jahr
  • Bonus-Malus: Bis zu -50% Bonus
  • Hauptmerkmal: BAWAG – integriertes Banking; easybank-Kombination

Uniqa Autoversicherung AT UNIQA

Price on request

  • Abdeckungstyp: Vollkasko
  • Aus dem Jahresbericht: Ab 380 €/Jahr
  • Bonus-Malus: Agent + online
  • Hauptmerkmal: Uniqa – Österreichs Nr. 1; vertrauenswürdige lokale Marke

Oberösterreichische Car AT Oberösterreichische Car AT

Price on request

  • Abdeckungstyp: Umfassend
  • Aus dem Jahresbericht: Ab 390 €/Jahr
  • Bonus-Malus: Bis zu -50% Bonus
  • Hauptmerkmal: Oberösterreichische – Österreichs führender Regionalversicherer

What is car insurance in Austria?

Car insurance in Austria centres on compulsory third-party liability (KFZ-Haftpflichtversicherung), which every registered vehicle must carry to cover injury and damage you cause to others. On top of this, drivers can add partial comprehensive (Teilkasko) for risks like theft, glass, storm and animal collisions, or full comprehensive (Vollkasko), which also covers self-inflicted damage to your own car.

How the Austrian market works

You cannot register a car without valid liability cover, and the insurer notifies the authorities. Premiums are heavily influenced by a bonus-malus system that rewards claim-free years with lower rates, along with engine power (kW), the vehicle, your region and annual mileage. The motoring clubs ÖAMTC and ARBÖ and mainstream insurers all compete, and switching is common at the annual renewal within the statutory notice period. The registration authority requires proof of valid liability cover before issuing plates, and the electronic insurance confirmation links directly to the vehicle registration. Premiums also reflect the annual all-in motor-related insurance tax bundled with the policy, and drivers who cause a total loss or theft claim on comprehensive cover may see their bonus-malus class reset upward at renewal.

Benefits

Legal compliance — Haftpflicht is mandatory and lets you register and drive legally.

Bonus-malus savings — years without claims steadily cut your premium.

Scalable cover — add Teilkasko or Vollkasko to protect your own vehicle against theft, weather or accidents.

Assistance add-ons — breakdown, legal-protection and replacement-car extras are widely available.

How to choose

Decide how much own-vehicle protection you need: a new or financed car usually justifies Vollkasko, an older one may only warrant Teilkasko or liability alone. Compare the bonus-malus level you carry, the deductible (Selbstbehalt) on comprehensive, and the liability sum insured. Factor in add-ons like breakdown cover and legal protection, and check that your mileage and driver details are accurate to avoid underinsurance. It also pays to ask whether naming only experienced drivers or limiting annual kilometres lowers the premium, and to confirm how the insurer treats new-for-old replacement, marten-bite damage and windscreen claims, all of which are common in Austrian conditions and vary between comprehensive policies.

Leading providers in Austria

Major insurers including Wiener Städtische, Generali, Helvetia, Zurich, ERGO and Donau Versicherung all write motor cover, competing on bonus-malus terms, deductibles and bundled assistance. The motoring clubs also broker policies. Choice often comes down to price for your specific vehicle and region plus the strength of the claims and breakdown service.

What it costs

Premiums vary widely with engine power, the bonus-malus class, vehicle value, region and chosen cover, so quotes are individual rather than a single flat price. Liability-only is cheapest; adding Teilkasko and especially Vollkasko raises the premium, while a higher deductible and a good claim-free record lower it. Always compare like-for-like cover levels.

Protections and regulation

Insurers are supervised by the FMA under the Insurance Contract Act and EU distribution rules. Compulsory liability limits are set by law, and a guarantee fund covers victims of uninsured or unidentified drivers. Policyholders have defined notice and cancellation rights, particularly after a claim or a premium increase, and disputes can go to the insurance ombudsman.

Common questions

Is liability cover mandatory? Yes, no car can be registered without it. What does bonus-malus mean? Your premium falls with claim-free years and rises after at-fault claims. Teilkasko or Vollkasko? Teilkasko for theft/weather/glass; Vollkasko also covers your own accident damage. Can I switch insurers? Yes, typically at renewal within the statutory notice period, and after certain premium changes.

Car Insurance in Austria — FAQ

What is the cheapest car insurance in Austria?

Giraffy tracks 5 car insurance products across Helvetia AT,Wiener Städtische,Generali AT,FinanzMarkt Car AT,Grazer Car AT insurers in Austria. Your individual premium depends on your vehicle, driving history, and location — comparing quotes regularly is the most effective way to cut costs.

What is the difference between third-party and comprehensive car insurance?

Third-party cover is the minimum legal requirement in most markets — it pays for damage you cause to other vehicles and people but not your own car. Comprehensive cover includes damage to your own vehicle regardless of fault — and is often only marginally more expensive than third-party cover.

What factors affect my car insurance premium?

Key factors include: age and driving experience, claims history and no-claims bonus, vehicle make, model, and engine size, annual mileage, where you park overnight, postcode, and whether you add named drivers. Younger drivers typically pay more due to statistically higher accident rates.

What is an excess and how does it affect my premium?

The excess is the amount you contribute towards a claim before the insurer pays the rest. There's usually a compulsory excess (set by the insurer) and a voluntary excess (you choose). Raising your voluntary excess lowers your premium — but make sure you could comfortably pay it if you needed to claim.

What is a no-claims bonus (NCB) and how does it work?

An NCB (or no-claims discount) rewards claim-free years with lower premiums — typically 10–15% discount per year, up to around 60–70% after 5+ years. You can protect your NCB with an add-on that allows 1–2 at-fault claims without losing your discount. Check if your NCB is transferable when switching insurers.

Does adding named or additional drivers affect my car insurance premium?

Adding an experienced driver with a clean record can sometimes reduce premiums. However, adding a young or inexperienced driver almost always increases costs. 'Fronting' — where a parent is listed as the main driver to reduce a young driver's premium — is illegal and can void a policy.

Can I get car insurance as a temporary or short-term policy?

Yes — temporary car insurance is available from specialist providers for short periods. It's useful for driving a car you don't own, sharing driving on a long trip, or covering a car you're selling. These policies don't affect the main policy holder's no-claims bonus.