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Moving? We have overseas insurance for Germany too.

Help protect your car and property abroad.

If you’re PCSing or deploying to Germany, we can help cover you and your stuff with overseas insurance main page.

You can customize a policy to fit your needs while you live abroad.

Auto insurance

Stay covered when you’re driving in Germany. Here’s some of the coverage we offer:

  • Liability coverage for bodily injury and property damage
  • Help with medical payments after a covered accident
  • Comprehensive and collision coverage
  • Uninsured motorists coverage
Learn more USAA auto insurance main page

Renters insurance

We can help protect your personal belongings while you’re stationed abroad. Here are some of the things we cover:

  • Damage to military gear and uniforms‍ ‍ See note 1
  • Theft and vandalism
  • Smoke, fire and lightning damage
  • Flood and some other types of water damage
Learn more USAA renters insurance main page

Valuable Personal Property Insurance

Protect your valuables from theft and accidental breaks, losses or spills with no deductible. Here are a few of the things we help cover:

  • Jewelry and smartwatches
  • Cameras
  • Musical instruments
  • Guns and bows
Learn more USAA valuable personal property main page

Cover more with Personal Property Plus.

This policy offers protection beyond what a renters policy covers. 

It can help protect your sports equipment, bikes and e-bikes, and stuff you have with you while deployed. Plus, there's no deductible.

For more details, call us.

From within the U.S.: 800-531-8722

From within Germany: 0800-724-4196

Or, our European landline: 00-800-531-81110

Get covered before you move in 3 easy steps.

Steps to complete Get covered before you move in 3 easy steps.

  1. Find out what you need

    Think about what you plan to take with you, what you need to ship and what coverage you need to help protect your stuff.

  2. Get a quote

    If your move is more than 30 days away, you can get a quote online whether you already have a policy with us or not.

  3. Get covered

    If your move is less than 30 days away, call us to start your coverage and help protect your stuff during shipment.

Need to transfer an existing USAA policy?

We can get you a policy that helps protect you in Germany. We’ll make sure you don’t lose your coverage when you need it most.

Call the policy service number for your location to get started.

View contact info USAA contact us page

Resources to help you plan your move to Germany

Moving checklist

Answer a few quick questions to help simplify what you need to do.

Get started

PCS resource center

Understand all your options to help make your move easier.

Explore PCS resources

PCS budgeting tips

Learn how to avoid common money mistakes and save more.

Get budgeting tips

Our coverage can go with you if you visit the states.

Renters coverage goes worldwide.‍ ‍ See note 2

You don’t lose your renters coverage when you travel. If you’re visiting friends or family back home, we cover the things you take with you.

A UST policy adds affordable driving coverage.

You can add a U.S. Touring, or UST, policy to help provide liability coverage if you rent or borrow a car in the U.S.

Get tips on safe driving in Germany to protect you and your car.

5 tips for safe driving in Germany

Video Duration: 2 minutes  40 seconds

Driving in Germany: Elapsed time 0 minutes 0 seconds [0:00]

Driving in Germany can be a challenging and beautiful experience. It’s important to know the rules of the road and differences between driving in the US and Germany.

Here are the top 5 things every American should know before they get behind the wheel.

The Autobahn: Elapsed time 0 minutes 16 seconds [0:16]

First up: the Autobahn. Germany is famous for its high-speed highways, and yes, there are stretches without speed limits. But don't get too excited. While certain areas allow for thrilling speeds, many parts have posted limits. Always watch for signs and remember to obey traffic laws and drive safely.

It’s important to be aware that it’s mandatory to look twice over your shoulder before passing a car. Accidents can occur when drivers don’t visually check behind them by looking over their shoulder a second time before overtaking another vehicle.

Traffic signs: Elapsed time 0 minutes 51 seconds [0:51]

Number two: Traffic signs will look different to Americans. The German road sign system uses standardized shapes, symbols and colors to communicate warnings, regulations, guides and supplemental information. Before hitting the road, make sure to be familiar with the signage.

Roundabouts: Elapsed time 1 minute 8 seconds [1:08]

Third: Take extra caution when navigating roundabouts and rights-of-way. In Germany, vehicles inside the roundabout have the right of way. So, if you're entering a roundabout, yield to traffic already circulating. Germany also uses the right-before-left rule when turning right. This means you must yield to traffic coming from your right when approaching an intersection that has no traffic signs or lights.

Parking: Elapsed time 1 minute 32 seconds [1:32]

Fourth on the list: German cities are strict about parking regulations. Look out for signs indicating parking zones, and always pay attention to the hours of operation for parking meters. Illegal parking can result in fines or even your car being towed. German environmental and noise laws also prohibit unnecessary idling.

Safety: Elapsed time 1 minute 54 seconds [1:54]

And finally, safe driving is more than controlling your vehicle. It’s mandatory for drivers and passengers to wear a seat belt in the car. Drivers should have a safety kit in the vehicle for use in the event of an accident or emergency. And your car should have the appropriate tires for the season. Winter tires are mandatory during snowy seasons and can help keep you safer and in better control of your car.

In conclusion: Elapsed time 2 minutes 18 seconds [2:18]

Always remember to call for emergency help if it’s needed. Never leave the site of an accident without seeking or giving aid. Dial 112 if you need an ambulance and 110 if you need police.

With these tips in mind, you’ll be ready to navigate Germany with ease.

End: Elapsed time 2 minutes 40 seconds [2:40]

Germany overseas insurance FAQ

License plates and registration

If you buy a car in Germany, the local civilian license plate stays on the vehicle and transfers to you.

You can get new license plates for imported vehicles through:

  • A U.S. military vehicle registration office for military plates.
  • A U.S. Embassy or U.S. Consulate for diplomatic or consulate plates.

If you need local German civilian, seasonal or export license plates, contact us for more information.

The U.S. Army Europe, or USAREUR, system requires a white card to register your vehicle. Let us know when you arrive so we can update your coverage and send the white card to the USAREUR registration office.

If you need help to register your vehicle, contact us.

Proof of insurance

Your license plate and registration paperwork are your proof of insurance in Germany. Unlike the U.S., Germany doesn’t require you to carry proof of insurance in your vehicle.

We'll provide an international motor insurance card.

It depends on your vehicle registration type and German residency status. We may charge you a monthly Insurance Premium Tax on your auto insurance policy.

Refer to your declarations documents for details.

Your auto coverage

If you’re shipping your car, keep your overseas policy until it arrives. Then we can help you transfer your coverage to a stateside policy. You just need to USAA contact us page.

If you’re not taking your car, remove your name from the registration and your insurance papers from the car. After that, you can cancel the policy. You’ll need to pay a premium for any coverage you’ve received.

Your renters coverage

Keep your overseas policy while your stuff is in shipment. That way you still have protection for any covered losses on the way.

When you and your stuff are back in the U.S., we can help transfer your policy. When you’re ready, contact us.

Before you drive

  • Most countries will require you to complete an accident report form. In your vehicle, you should carry a blank copy of the PDF of European Accident Statement Opens in a New Window.
  • Many countries require you to have warning triangles, reflective vests and a first-aid kit in case of an accident. Check local driving regulations to find out more.
  • Keep a copy of your green card handy as proof of insurance.

At the scene of the accident

  • Dial 112 for emergency service in Europe. You may need to contact the police if there are injuries, you're in a hit-and-run, or the other party is uncooperative and at fault.
  • Don't sign anything except the European Accident Statement. This lets each driver explain what happened but doesn't assign blame.
  • Take pictures of the accident scene and damaged vehicles, including license plates. If possible, get the other driver’s name, driver’s license number, address and phone number. Also get the name of their insurance carrier, policy number and vehicle registration.
  • Use a translation app to help communicate in the local language.
  • In a one-car incident, find the owner of any damaged property to complete a report. If you can’t find them, leave a note at the scene and report it at the nearest police station.

Filing a claim after an accident

You can file a claim on the USAA Mobile App main page. Or you can file online USAA claims main page. As soon as possible, contact a USAA claims representative USAA contact us page.

Related footnotes:

  1. No deductible will be applied for a covered loss to your military uniforms or military equipment while you are on active or reserve duty.

  2. Availability of renters insurance to residents of another country is limited to qualified members.

Related footnotes:

  1. Membership eligibility and product restrictions apply and are subject to change.

  2. Property and casualty insurance provided by United Services Automobile Association (USAA), USAA Casualty Insurance Company and USAA General Indemnity Company which are domiciled in Texas and are licensed in all 50 United States and D.C.; Guam, Puerto Rico, and/or the Virgin Islands; USAA S.A. UK Branch, authorized by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority and the Prudential Regulation Authority to write coverage in the United Kingdom. USAA S.A. UK Branch Registration Number: England BRO23811, also registered with the Registre du Commerce et des Societes of Luxembourg; or USAA S.A., authorized by the Luxembourg Minister of Finance and supervised by Commissariat aux Assurances to write insurance under the Freedom of Services Directive in Azores, Belgium, France, Germany, Greece, Italy, Netherlands, Portugal and Spain. USAA S.A. Trade and Companies Registration Number: B-224622. Not all products are available to all applicants in all locations. Product availability may vary in some foreign locations due to local laws and restrictions.

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