Carrier vs. Carrier Comparisons
The top pick overall for the best car insurance companies for Volkswagens is State Farm, closely followed by USAA and Erie.
These providers excel in delivering comprehensive coverage and exceptional customer service, ensuring that Volkswagen owners are well-protected on the road. Their offerings are tailored to meet the unique needs of Volkswagen drivers, combining value with peace of mind.
| Company | Rank | Multi-Vehicle Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
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#1 | 20% | B | Complete Coverage | State Farm |
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#2 | 10% | A++ | Military Savings | USAA |
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#3 | 10% | A+ | Customer Service | Erie |
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#4 | 10% | A++ | Add-Ons | Auto-Owners |
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#5 | 25% | A++ | Various Discounts | Geico |
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#6 | 25% | A+ | Cost Effective | NJM |
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#7 | 8% | A++ | Unique Coverage | Travelers |
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#8 | 30% | A+ | Broad Coverage | Country Financial |
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#9 | 25% | A+ | Dividend Payments | Amica |
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#10 | 25% | A | Occupational Discount | Liberty Mutual |
By choosing one of these insurers, Volkswagen owners can confidently navigate their insurance options, secure in the knowledge that they are receiving top-notch service and coverage.
See if you’re getting the best deal on car insurance by entering your ZIP code above.
What You Should Know
- State Farm provides rates starting at $42/month for Volkswagens
- Custom coverage meets unique needs of Volkswagen owners
- Tailored policies ensure comprehensive protection for Volkswagens
#1 – State Farm: Top Pick Overall
Pros
- Volkswagen Specific Discounts: Offers savings that benefit Volkswagen owners such as vehicle safety feature discounts.
- Comprehensive Coverage: Explore our State Farm review to understand how its wide coverage options are particularly suitable for the diverse needs of Volkswagen owners.
- Extensive Network: Large number of agents available nationwide for convenient access for Volkswagen drivers.
Cons
- Higher Premiums for Certain Models: Premium rates may be higher for high-performance or luxury Volkswagen models.
- Varying Agent Quality: Some Volkswagen owners may experience inconsistencies in service depending on the agent.
#2 – USAA: Best for Military Savings
Pros
- Tailored Discounts for Military Volkswagen Owners: Discover our USAA review to see how special rates benefit military personnel who own Volkswagens.
- Deployment Suspension: Allows military members to suspend or reduce coverage when deployed, beneficial for Volkswagen owners who are abroad.
- Integrated Financial Services: Provides additional financial services beneficial for Volkswagen owners in the military.
Cons
- Limited Eligibility: Only available to military families, not accessible for all Volkswagen owners.
- Coverage Adaptability: Some regions may offer different levels of coverage which can affect Volkswagen owners moving between states.
#3 – Erie: Best for Customer Service
Pros
- Personalized Service: High-quality customer service provides tailored advice for Volkswagen insurance needs.
- Rate Lock Feature: Delve into our Erie review to find out how it protects Volkswagen owners from rate increases in specific scenarios.
- Full Car Replacement: Offers new car replacement which is ideal for newer Volkswagen models.
Cons
- Geographical Limitations: Not available in all states, which might be restrictive for some Volkswagen owners.
- Required Bundling: Drivers get the best Volkswagen insurance rates when they bundle policies, which may not be preferable for all.
#4 – Auto-Owners: Best for Add-Ons
Pros
- Customizable Add-Ons: Extensive add-ons like gap insurance, which is beneficial for financing newer Volkswagens.
- Strong Claims Process: View our Auto-Owners review to learn how their effective claims handling ensures Volkswagen owners can quickly recover from incidents.
- Multiple Discount Opportunities: Offers a variety of discounts that can benefit Volkswagen owners such as multi-car discounts.
Cons
- Limited Availability: Not present in all states, limiting options for some Volkswagen owners.
- Complex Policy Options: Some policies can be complex, making it harder for Volkswagen owners to find the right fit.
#5 – Geico: Best for Various Discounts
Pros
- Extensive Discounts: Includes discounts for safety features typical in many Volkswagens, such as anti-lock brakes and anti-theft systems.
- Technology-Forward: Geico makes it easy to buy auto insurance online, with online tools for Volkswagen owners to manage policies and file claims.
- Robust Customer Support: 24/7 customer service benefits Volkswagen owners needing flexible support hours.
Cons
- Impersonal Service: Lacks the personal touch of a dedicated agent which some Volkswagen owners might prefer.
- Variable Service Quality: Some Volkswagen owners experience inconsistencies in the level of service provided.
#6 – NJM: Best for Cost Effectiveness
Pros
- Competitive Pricing for Volkswagens: Offers cheap car insurance rates for Volkswagens at $41/month.
- High Customer Satisfaction: Strong customer service and claims handling can be particularly beneficial for Volkswagen owners facing issues.
- Simplified Policy Management: Learn how to use its online tools to manage Volkswagen auto insurance policies in our NJM review.
Cons
- Limited Reach: Volkswagen insurance only available in New Jersey, Connecticut, Ohio, and Pennsylvania.
- Limited Customization: Fewer options for coverage customization may not meet all needs of Volkswagen enthusiasts.
#7 – Travelers: Best for Unique Coverage
Pros
- Gap Insurance Offerings: Offers gap insurance, which is ideal for newer or financed Volkswagen models.
- Green Car Discount: Read our Travelers review to understand how to get discounts for Volkswagen's electric and hybrid models.
- Innovative Coverage Options: Provides coverage options like decreasing deductibles and accident forgiveness that benefit safe Volkswagen drivers.
Cons
- Expensive Rates: Premiums can be higher, which might deter some Volkswagen owners.
- Complex Policies: The array of unique Volkswagen coverage options can be overwhelming for some.
#8 – Country Financial: Best for Broad Coverage
Pros
- Wide Coverage Adaptability: Offers a broad range of coverage options that can be tailored specifically for Volkswagen vehicles.
- Safety Discounts: With our Country Financial review, learn about the discounts available for vehicles equipped with safety features, which many Volkswagens possess.
- Dedicated Agent Support: Personalized service through dedicated agents helps Volkswagen owners find the best fit for their needs.
Cons
- Higher Premiums: Generally higher rates compared to other Volkswagen car insurance companies.
- Limited State Availability: Service is not available nationwide, limiting options for some Volkswagen owners.
#9 – Amica: Best for Dividend Payments
Pros
- Dividend Policies: Explore our article on ways to obtain proof of insurance, discussing how returning a portion of premiums as dividends can add value for Volkswagen owners.
- High Customer Loyalty: Known for excellent service and coverage options suited for Volkswagen owners.
- Multiple Discount Opportunities: Provides various Volkswagen car insurance discounts that benefit safe drivers.
Cons
- Potentially Higher Costs: Non-dividend policies may be pricier, affecting affordable Volkswagen car insurance rates.
- Limited Physical Presence: Fewer insurance offices means less personalized support for Volkswagen owners who prefer working with agents.
#10 – Liberty Mutual: Best for Occupational Discounts
Pros
- Occupational Discounts: Offers specific discounts for certain professions, potentially benefitting Volkswagen owners based on their employment.
- Customizable Coverage Options: Extensive customization of policies to fit diverse needs, suitable for various Volkswagen models and owner preferences.
- Accident Forgiveness: Read our Liberty Mutual review to learn how Volkswagen owners can qualify for accident forgiveness.
Cons
- Inconsistent Customer Service: Service quality can vary significantly, which may impact the insurance experience for Volkswagen owners.
- Pricing Variability: Rates can differ greatly depending on the driver’s profile and the specific Volkswagen model, making predictability difficult.
Volkswagen Car Insurance Cost Comparison
This table compares monthly insurance costs across the ten best car insurance companies for Volkswagens, highlighting both minimum and full coverage options.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Amica | $50 | $131 |
| Auto-Owners | $31 | $97 |
| Country Financial | $47 | $118 |
| Erie | $41 | $106 |
| Geico | $38 | $99 |
| Liberty Mutual | $47 | $120 |
| NJM | $41 | $105 |
| State Farm | $42 | $95 |
| Travelers | $48 | $113 |
| USAA | $30 | $87 |
Auto-Owners has the cheapest Volkswagen car insurance — minimum coverage is only $31 and full coverage is $97/month. In contrast, USAA presents the most affordable military car insurance with minimum coverage at $30 and full coverage at $87/month.
Other notable mentions include State Farm and Geico, which offer competitive full coverage rates at $95 and $99 respectively. Companies like NJM and Erie also provide economical options, balancing cost-efficiency with comprehensive protection.
Essential Factors Determining Volkswagen Insurance Rates
Why is car insurance so expensive? Finding cheap car insurance for Volkswagens requires an understanding of your model's specs, safety features, and more:
- Vehicle Specifications: Newer or luxury VW models might incur higher insurance costs due to increased repair expenses.
- Vehicle Safety Attributes: Volkswagens with advanced safety technologies, like electronic stability control, anti-theft systems, and multiple airbags, qualify for discounts.
- Choice of Deductible: Opting for higher deductibles can reduce monthly rates, while lower deductibles lead to higher insurance costs but less out-of-pocket after a claim.
Factors such as the driver's age, driving history, and geographical location also impact VW insurance rates. A pristine driving record and stable credit score will get you the lowest rates possible.
Read more: How much does car insurance cost per month?
Volkswagen Car Insurance Discounts Overview
Find competitive insurance discounts from the best VW insurance companies below, including multi-car, loyalty, safety features, and good student discounts, among others.
Seek out insurers that provide discounts specifically beneficial for Volkswagen owners such as safety feature, anti-theft, and new car discounts.
Learn more: New Driver Car Insurance
More Effective Money-Saving Strategies for Volkswagen Insurance
Choosing the right car insurance for Volkswagen owners means considering coverage options, customer service, and specific discounts.
Factors like vehicle model, driver history, and safety features all impact premiums. Here are some key strategies to consider:
- Evaluate Customer Service: Choose providers known for exceptional customer service, ensuring you have support when you need it most.
- Consider Military and Occupational Discounts: If applicable, take advantage of specific discounts for military personnel or certain professional groups to lower premiums.
- Regularly Compare Quotes: Periodically review your insurance rates and compare car insurance quotes online from other local companies.
Staying informed about industry trends and new insurance products can help Volkswagen owners find affordable policies, especially after making any adjustments, like adding new drivers or moving to a new state.
By employing these strategies, Volkswagen owners can effectively manage their car insurance, balancing cost with coverage to achieve the best insurance outcomes tailored to their specific needs and circumstances.
Read More: State Farm Drive Safe and Save Review
Final Thoughts on the Best Volkswagen Insurance
For Volkswagen owners, choosing the right insurance means carefully evaluating coverage, customer service, and available discounts. Key factors such as vehicle model, driver history, and safety features significantly affect premiums.
Owners can secure affordable VW insurance from the best and cheapest car insurance companies, with Erie and USAA offering the lowest Volkswagen rates at $41/month.
See if you’re getting the best deal on VW car insurance in your city by entering your ZIP code below.
Frequently Asked Questions
Do Volkswagens have higher insurance rates?
Yes, Volkswagens may have higher insurance costs compared to some other car brands. This is often due to the car make and model impacting insurance rates, with factors like the value of the vehicle, repair costs, safety features, and other considerations specific to the model.
What insurance group is a Volkswagen Polo?
The insurance group for a Volkswagen Polo can vary, but most insurance companies consider it a standard vehicle with low-risk. However, repair parts are expensive, which increases VW Polo insurance rates.
How much is the insurance on a Volkswagen Polo?
The insurance cost for a Volkswagen Polo can vary widely based on factors such as the driver's age, location, and driving history, as well as the specific model and trim of the car.
Is insurance high on a Volkswagen Passat?
Volkswagen Passat car insurance rates are usually around average in most states, costing around $150/month for full coverage.
Are Volkswagens expensive to maintain?
Yes, Volkswagens can be somewhat expensive to maintain. They are known for requiring higher maintenance costs than some other brands, mainly due to the cost of parts and labor associated with their European engineering. (Read More: 5 Tips to Negotiate the Best Settlement for My Totaled Car)
Do Volkswagens have expensive parts?
Yes, replacement parts for Volkswagens can be relatively expensive compared to other brands, particularly for imported models or specialty vehicles.
Does VW have their own insurance?
VW does offer its own branded insurance services, such as Volkswagen Insurance Service (VIS), providing tailored coverage options that meet the specific needs of Volkswagen owners.
What is the best car insurance coverage to have?
The Best Car Insurance Companies That Cover Any Car You Drive typically include a combination of liability insurance, collision coverage, and comprehensive insurance, which provide broad protection against a variety of incidents and accidents.
Which company is best for car insurance claims?
Companies like State Farm and USAA are often praised for their efficient and customer-friendly claims processes, making them top choices for VW car insurance claims.
Who typically has the cheapest car insurance?
Companies such as Geico and USAA are known for offering some of the most affordable car insurance rates, particularly for drivers with clean driving records and strong credit scores. Erie has the cheapest Volkswagen car insurance. To find the best car insurance company near you, enter your ZIP code into our free comparison tool today.