Regionalklasse

Regionalklasse is a tariff element used in motor vehicle insurance in Germany to reflect geographic risk. Each insured vehicle is assigned to a Regionalklasse based on the postal code area where the vehicle is registered or primarily used. Regionalklassen are numerical categories; lower numbers indicate lower regional risk, higher numbers indicate higher risk. The exact number of classes and their mapping can vary by insurer, but many Tarife use a 1 to 7 scale.

Regionalklassen are defined by the insurance industry and published in an official Regionalklassenliste. The list is compiled from historical loss data such as accident frequency, theft, and repair costs by region. Insurance providers apply the relevant Regionalklasse when calculating premiums, alongside other factors such as vehicle type, annual mileage, and driver profile. The regional rating is intended to reflect the risk profile of the location rather than the individual driver.

The Regionalklasse can change if you move to a different postcode or if the insurer updates its mapping. When a policy is renewed, the current Regionalklasse is reassessed; moving to a higher RK may lead to higher premiums, while moving to a lower RK can reduce costs. Consumers can typically find their Regionalklasse on their policy documents or by contacting the insurer. Some insurers also offer tools to check or update RK when switching policies.