Combined ratio of German motor insurance sector | Statista

In 2022, the combined ratio of the motor insurance industry in Germany increased overall. Full own damage car insurance rose from 104.7 percent in 2021 to 110.3 percent in 2022. Inversely, partial own damage insurance fell from 102 percent to 95 percent.

Combined ratio of the motor insurance industry in Germany from 2010 to 2022, by insurance type

Characteristic	Total	Full own damage insurance	Motor vehicle insurance	Partial own damage insurance	Third party liability insurance	Motor accident insurance
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-	-	-	-	-	-	-
-	-	-	-	-	-	-
-	-	-	-	-	-	-
-	-	-	-	-	-	-
-	-	-	-	-	-	-
-	-	-	-	-	-	-
-	-	-	-	-	-	-
-	-	-	-	-	-	-
-	-	-	-	-	-	-
-	-	-	-	-	-	-
-	-	-	-	-	-	-
-	-	-	-	-	-	-

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Release date

September 2023

More information

Region

Germany

Survey time period

2010 to 2022

Supplementary notes

Claims-expenses ratio after settlement; as a percentage of earned gross premiums.

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