A regional class indicates how high the probability is in a region that an accident will occur and how high the costs of the damage could be. This region is also known as the registration district. The regional class therefore determines how likely it is that you will cause an accident with your car and what the costs will be.

The higher the probability that you will cause an accident in your region, the higher your regional class will be. Similarly, if there are few accidents on average in your region, the lower your regional class.

You can find out which regional class you are currently in by looking at your annual insurance statement. Of course, you can also check online which regional class your registration district is in. The German Insurance Association website provides a detailed overview.