Liability insurance compared

Liability insurance in Germany: all federal states compared

Is liability insurance for dogs required? This page puts all 16 federal states of Germany side by side: 15 of 16 are sourced from official sources, the latest check was on 29 October 2026.

Liability insurance by federal state

Liability insurance by federal state
Federal stateSummarySourceChecked on
Baden-WürttembergRequired for some dogsOfficial sourcechecked on 28 October 2026
BavariaRequired for some dogsOfficial sourcechecked on 28 October 2026
Berlinbeing checkedOfficial sourcechecked on 28 October 2026
BrandenburgRequired for some dogsOfficial sourcechecked on 28 October 2026
BremenRequired for all dogsOfficial sourcechecked on 28 October 2026
HamburgRequired for all dogsOfficial sourcechecked on 28 October 2026
HesseRequired for some dogsOfficial sourcechecked on 29 October 2026
Mecklenburg-Western PomeraniaNo obligation named in the sourceOfficial sourcechecked on 29 October 2026
Lower SaxonyRequired for all dogsOfficial sourcechecked on 28 October 2026
North Rhine-WestphaliaRequired for some dogsOfficial sourcechecked on 28 October 2026
Rhineland-PalatinateRequired for some dogsOfficial sourcechecked on 28 October 2026
SaarlandRequired for some dogsOfficial sourcechecked on 28 October 2026
SaxonyRequired for some dogsOfficial sourcechecked on 28 October 2026
Saxony-AnhaltRequired for all dogsOfficial sourcechecked on 29 October 2026
Schleswig-HolsteinRequired for some dogsOfficial sourcechecked on 28 October 2026
ThuringiaRequired for all dogsOfficial sourcechecked on 28 October 2026

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No guarantee

As of: 29 October 2026. The official text alone is authoritative. Source and date checked per row.

Not legal advice. We summarise the rules in plain language. This is a guide and does not replace information from the competent authority.

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