On average car insurance is cheaper in Germany, but I am unsure if this has anything to do with the required inspections. (Since it is mandatory anyway, it isn'

On average car insurance is cheaper in Germany, but I am unsure if this has anything to do with the required inspections. (Since it is mandatory anyway, it isn't a differentiator). I think it may be more about how insurance is structured and dealt with. For instance US has a civil tort based system which tends to push prices up quite a bit because outcomes are entirely unpredictable. In Germany insurance is not litigation centric, so there are literally no punitive damages, pain-and-suffering awards are modest and predictable and compensation is based on standardized tables. So insurance cases very rarely make it anywhere near courts.