Hej Fredrik!
Maybe it helps if I write in English.
You are absolutely right: car insurance is awfully expensive in Germany. Why is it so? I guess because in case of a crash it is expensive: (1) German love big expensive new cars (which are expensive to repair), (2) labour is very expensive in Germany (making any repair more expensive than for example in Poland) and (3) on top of that the insurance may have to pay a certain amount to compensate for the loss in market value of the damaged car.
That is the reason why many many young people have no car but - how surprising! - their parents have, beyond a big Merc or BMW, a cheap 15 year old VW Golf or Opel Corsa, which happens to be driven by the son / daughter "as well". Get the picture?
I am Belgian and used to insure my first car (an old Audi 80 diesel with just 68 bhp) in Belgium and Luxemburg before I moved to Germany.
Insurance fee in Belgium: +/- 600 euros / year (living in a small village)
Insurance fee in Luxemburg: +/- 700 euros / year (living in Luxemburg city)
Then I moved to Germany. The insurance fee was... +/- 1600 euro!
(for a small province city of +/- 100.000 inhabitants)
When comparing the insurance fees, these were the same conditions (Hafpflicht + Teilkasko. Sorry, I can't translate this into English).
Quite surprisingly it would have been much cheaper to insure that car on my brother who was younger, had had a crash already (whereas I have never caused one) and was living in... Brussels. Crazy indeed...
Compare insurances, that will save you some money. But the price is still going to remain high.
But there is one positive element: car taxes are easy on big engines in Germany
