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Best Legal Insurance In Germany [2024 Comparison & Test]

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Key takeaways

  • Three out of five rating agencies in Germany rated Arag*, Auxilia*, and WVG best legal insurance.
  • Legal insurance covers the legal costs of a legal dispute, such as lawyer’s fees, court costs, etc.
  • It’s recommended that you get legal insurance in Germany.

This is how you do it

  • Assess your personal situation to determine which legal areas you need to cover.
  • Legal insurance has a waiting period of three to six months. So, don’t wait for a legal dispute to occur to get legal insurance in Germany.
  • Compare the top-rated legal protection insurance and pick the one that fits your needs.

Table of Contents

Three out of five rating agencies in Germany rate the legal insurance plans from the following companies among the best.

  • Arag* (for those who want the best legal protection)
  • KS-Auxilia*
  • WGV

We looked at the legal insurance ratings from

  • five rating agencies,
    • Stiftung Warentest
    • Franke Bornberg
    • Wirtschaftswoche + Morgen & Morgen
    • Focus Money + DFSI
    • DISQ
  • the insurance blog – Finanztip, 
  • and the insurance broker – Bierl. 

Here are the top-rated legal insurance plans in Germany, according to the rating agencies.

Stiftung WarentestFranke BornbergWirtschaftswoche + Morgen & MorgenFocus Money + DFSIDISQ
WGV – Optimal PBVArag* – Aktiv-Premium FlexKS / Auxilia* – RechtsschutzArag* – Aktiv-Rechtsschutz PremiumKS / Auxilia*
ADAC – PremiumArag* – Aktiv-PremiumNRV – All-In DynmamikErgo – Rechtsschutz Best FamilieWGV
Arag* – Aktiv PremiumLippische – S-Privat-Schutz PlusVHV – Klassik-Garant Flexibilität All-In DynamikVGHRoland Rechtsschutz
Arag* – Aktiv Premium Flex Provinzial Nord Brandkasse AG – Rundum-Schutz PLUSNürnberger – All-In DynamikKS / Auxilia* – JurprivatAllrecht
Allianz – RS Privat PremiumÖRAG – Rundum-Schutz PLUSDMB – PrestigeWGV – OptimalItzehoer
The ratings are for the plans and not the company.

Finanztip and Bierl rated Arag, WGV, and KS-Auxilia among the best legal insurance providers in Germany. 

You can compare the tariffs of top legal insurance companies on Tarifcheck* and Verivox*.

Arag insurance
  • Rated best legal insurance by the top rating agencies in Germany
  • Biggest legal insurance provider in Germany
  • Free legal consultation
  • Offers comprehensive legal coverage
Go to Arag*
  • Rated best legal insurance by the top rating agencies in Germany
  • Free legal consultation
  • Offers comprehensive legal coverage
Go to KS/Auxilia*
feather insurance broker
  • Legal insurance policy starting from €13.51 per month
  • Free legal consultation
  • English customer support
  • Insurance agent and sells Roland’s legal insurance policy
Go to Feather*

NOTE: Top rating agencies in Germany rated Arag—Aktiv-Premium, WGV—Optimal PBV, and KS / Auxilia—Jurprivat as the best legal insurance plans in Germany.

Stay tuned!

GermanPedia helps 10k+ members like you to make informed decisions with confidence. Learn something new about Germany every week.

Stay tuned!

GermanPedia helps 10k+ members like you to make informed decisions with confidence. Learn something new about Germany every week.

WGV: OptimalArag: Aktiv PremiumKS-Auxilia: Jurprivat
Insurance cost
Deductible300 €250 €250 €
Annual Premium227 to 273 €406 €324 €
Services
Tax law✔️✔️✔️
Social law✔️✔️✔️
Administrative legal protection✔️✔️✔️
Suing a university for an admission seat (Studien­platz­klagen)Limited coverageLimited coverage✖️
Low-risk capital investment✔️✔️✔️
Riskier investmentLimited coverageLimited coverage✖️
Extended legal advice on family and inheritance law (Only advice, no representation in or out of court)✔️✔️Limited coverage
Copyright law✔️✔️✖️
Revocation of loans and life insurance policies that were taken out after legal protection insurance✔️✔️Limited coverage
Legal coverage if a dispute was initiated by the customer before the policy was taken out✔️✖️✖️
Insured sum in EuropeUnlimitedUnlimitedUnlimited
Insured sum worldwide500k €UnlimitedUnlimited
Recommended by
Stiftung WarentestGood (1.7)Good (1.9)Satisfactory (2.8)
Franke Bornberg The lower the score, the better FFF (0.8)FFF+ (0.5)FFF (1.3)
Focus Money✔️✔️✔️
DISQ The higher the score, the betterVery Good (91)Good (78.6)Very Good (96)
Wirtschaftswoche✔️
Finanztip✔️✔️✔️
Finanzberatung Bierl✔️✔️

Legal insurance covers legal costs, such as a lawyer’s fee, court costs, etc., if you are involved in a legal dispute. You can also get legal advice for free from your legal insurance provider.

There are five types of legal insurance in Germany:

You can get one or more depending on your life situation.

You need a lawyer to assert your rights. Unfortunately, lawyers are expensive in Germany. Thus, having legal insurance to cover the lawyer’s fees and court costs makes sense.

Based on the minimum criteria of the rating agency, here are the services a good legal insurance should cover.

  • Insured sum: The insured sum should be at least 5 million euros.
  • Scope: Legal protection insurance should apply worldwide for at least six months.
  • Bail: Tariff should cover at least 100k €.
  • Out of court expenses: Legal insurance should cover be at least 3,000 € per case or 6000 € per year of out-of-court costs.
  • Telephone advice: Get legal advice on the phone for free.
  • Group of people: If you are married and have children, ensure your legal insurance covers the whole family.
  • Advice on family and inheritance law

Stiftung Warentest examined 83 legal protection plans from 30 insurance companies in February 2023. 

The sample customer for the test is

  • A 40-year-old employed individual with a family of two kids.
  • The customer requires legal protection coverage in the following areas: private life, work, and transport.
  • The customer has no previous or pending legal cases.
  • The customer didn’t have legal protection insurance in the past.

Stiftung Warentest rated legal insurance plans based on the services they offer. They gave 90% weightage to the insurance services and 10% to how easy it is for the customer to understand the insurance terms and conditions.

All legal protection insurance must offer the following minimum services.

  • Worldwide legal protection coverage
  • Employment legal protection (Arbeits­rechts­schutz)
  • Legal protection in contract and property law, including out-of-court settlements
  • Tax legal protection in courts,
  • Legal coverage for disputes in the social court (Sozial­gerichts­rechts­schutz), such as disputes with health insurers over the rejection of claims.
  • Traffic legal protection, such as unjustified fines, overspeeding, etc.
  • Disciplinary and professional protection
  • Criminal legal protection (Straf­rechts­schutz)
  • Legal costs coverage for “administrative offenses” (Ordnungs­widrigkeiten­rechts­schutz), such as unjustified fines.
  • Advice on legal protection in family and inheritance law.

Stiftung Warentest also recommends taking out a 150 € deductible when getting legal protection insurance in Germany. A deductible reduces the annual insurance premium.

You can increase the deductible further. However, check if the insurance cost savings are worth it.

NOTE: Stiftung Warentest didn’t consider legal insurance cost when evaluating the insurance policies.

The table below lists the top five legal protection insurance plans per Stiftung Warentest. It contains the plan’s rating and costs with different deductibles. 

Legal Insurance (Rating)Legal Insurance Cost per annum Deductible: 150 €Legal Insurance Cost per annum Deductible: 250 € or 300 €
WGV – Optimal PBV (1.7)289 – 347 €227 – 273 €
ADAC – Premium (1,9)365 €329 €
Arag* – Aktiv Premium (1,9)478 – 569 €406 – 484 €
Arag* – Aktiv Premium Flex (1,9)574 – 683 €Doesn’t offer a deductible of 250 € or 300 €.
Allianz – RS Privat Premium (2,1)646 – 1061 €557 – 916 €

As you can see, by increasing the deductible, you can reduce the insurance cost. You can read the complete report here (German).

The rating agency Franke Bornberg examined legal insurance tariffs and rated them from FFF+ (Excellent) to F- (Insufficient).

You can read the complete report here (German).

  • Franke Bornberg evaluated the legal insurance policies separately for families and single individuals.
  • They rated the legal insurance plans based on certain criteria, weighing each criterion differently based on its importance. You can read which criteria they used here (German).
  • The rating agency also sets certain minimum requirements to achieve a particular rating.

The minimum criteria to get an FFF+ rating are

  • Precautionary legal advice is covered
  • Tax legal protection, including out-of-court settlements
  • Legal coverage for disputes in the social court, such as disputes with the health insurance provider.
  • Administrative legal protection, including out-of-court settlements
  • Legal protection in family and inheritance law.
  • Worldwide legal coverage

The table below lists only the legal insurance plans that received an FFF+ rating. You can check legal insurance policies with lower ratings on the Franke Bornberg website. 

FamilySingle
Arag* – Aktiv-Rechtsschutz Premium FlexArag* – Aktiv-Rechtsschutz Premium Flex
Arag* – Aktiv-Rechtsschutz PremiumArag* – Aktiv-Rechtsschutz Premium
Lippische Landesbrandversicherung AG – S-Privat-Schutz PlusLippische Landesbrandversicherung AG – S-Privat-Schutz Plus
Provinzial Nord Brandkasse AG – Rundum-Schutz PLUSProvinzial Nord Brandkasse AG – Rundum-Schutz PLUS
ÖRAG Rechtsschutzversicherungs -Rundum-Schutz PLUSÖRAG Rechtsschutzversicherungs -Rundum-Schutz PLUS

Wirtschaftswoche, together with Morgen & Morgen, analyzed 13 legal insurance policies and rated them. Wirtschaftswoche found the following legal insurance tariffs best.

  • KS / Auxilia*
  • NRV – All-In Dynmamik
  • VHV – Klassik-Garant Flexibilität All-In Dynamik
  • Nürnberger – All-In Dynamik
  • DMB – Prestige

DFSI and Focus Money contacted 26 legal insurance companies to participate in the test, but only 14 companies participated.

Focus Money gave 70% weightage to the legal insurance scope and services and 30% to insurance costs. The complete report is available here (German).

The best legal protection insurance as per Focus-Money are:

  • Arag – Aktiv-Rechtsschutz Premium
  • Ergo – Rechtsschutz Best Familie 
  • VGH – Privat, Beruf, Verkehr, RechtsschutzPlus Privat, StrafrechtPlus Privat
  • KS / Auxilia – Jurprivat 
  • WGV – Optimal

Deutsche Institut für Service-Qualität (DISQ) examined 13 legal protection insurance providers and their basic and premium tariffs.

They gave 60% weightage to the services and coverage the legal insurance plan offers and 40% to the legal insurance cost. You can read the complete report here.

The best legal insurance as per the DISQ are:

Finanztip is one of the best-rated blogs on investment and insurance in Germany. According to their analysis, the following legal insurance plans offer the best price performance.

  • WGV PBV Optimal,
  • Arag* Aktiv Komfort
  • Huk-Coburg PBV Plus

Finanzberatung Bierl is one of the renowned insurance brokers in Germany. Here are the legal insurance policies that they recommend to their customers.

For most people

For those who want the best coverage on the market

  • Arag* – Aktiv-Rechtsschutz Premium

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Disclaimer

The information provided in this post is based on our own experience and in-depth research. The content of this post might be inaccurate. It should not be considered financial, tax, legal, or any kind of advice.

We are not certified brokers or consultants. Always do your own research and contact certified professionals before making any decision.​

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