Best Auto Insurance for Volkswagens

The best auto insurance for Volkswagens is with Erie, USAA, and Liberty Mutual. All three have exceptional customer service ratings and affordable coverage.

USAA has the most affordable liability auto insurance for Volkswagens at $22 a month, but coverage is only available to active and retired military members.

Erie’s rates may be a little higher, but it has the highest claims satisfaction out of our top ten Volkswagen auto insurance companies.

Our Top 10 Company Picks: Best Auto Insurance for Volkswagens

Always compare multiple companies to find the best Volkswagen car insurance for you. Use this guide to see what makes these providers stand out.

Enter your ZIP code into our free quote tool to find the best auto insurance companies for Volkswagens that match your needs and budget.

Volkswagen Insurance Rates From Top Companies

Understanding your Volkswagen insurance cost starts with comparing average rates across top providers. Among the standout options, USAA offers the cheapest car insurance for Volkswagens, but these rates are only available to military members.

Nationwide is an affordable option for minimum coverage, but its full coverage rates are higher than other companies on this list.

Volkswagen Auto Insurance Monthly Rates by Coverage Level

If you’re considering comprehensive coverage as part of your protection plan, Allstate and Liberty Mutual show higher premiums that reflect broader policy features.

They are solid choices if you don’t mind paying extra for premium features like new car replacement, OEM coverage, or accident forgiveness. Keep reading to see how different factors impact your Volkswagen car insurance quotes.

How Age and Driving Record Affect VW Insurance Rates

Monthly auto insurance premiums for Volkswagen owners are largely determined by age and driving behavior.

Younger drivers, especially those in their teens and early twenties, typically face higher premiums due to perceived higher risk.

Volkswagen Auto Insurance Monthly Rates by Driving Record

In contrast, drivers over 40 tend to benefit from lower rates, particularly if they have a clean driving record. Those with one or more traffic violations, such as speeding tickets or accidents, can expect higher premiums regardless of age.

To secure the best auto insurance rates, it’s important for Volkswagen owners to maintain a clean record and consider their age when shopping for coverage options.

Read More: The 17 Best Tips to Pay Less for Car Insurance

How Auto Insurance Costs Vary by VW Model

Finding the best auto insurance for Volkswagens begins with determining the cost of coverage for each model. Premiums are different according to each vehicle’s repair complexity, safety ratings, and risk profile.

By reviewing model-specific averages, VW drivers can better anticipate monthly insurance costs.

Volkswagen Auto Insurance Monthly Rates by Model & Coverage Level

Monthly premiums range from $158 per month for the Volkswagen Tiguan, one of the brand’s more affordable options, to $210 monthly for the Volkswagen Golf, which tends to have higher premiums due to its performance-focused nature.

Mid-tier options, such as the Taos at $163 per month, the Atlas at $169 a month, and the ID.4 at $173 monthly, reflect moderate insurance costs for drivers seeking practical crossovers or electric alternatives. Sedans such as the Jetta and the Passat offer reasonable coverage rates with good value.

Read More: Everything You Need to Know About Luxury and Exotic Car Insurance

Comparing Coverage Options for Volkswagens

Choosing the right coverage is key to protecting your Volkswagen from accidents, theft, and costly repairs.

Whether you own a brand-new model or a reliable older vehicle, here are the essential coverage types to consider:

• Liability Insurance: Covers damage or injuries you cause while driving your Volkswagen.
• Collision Coverage: Pays to repair your Volkswagen if you crash into another vehicle or object.
• Comprehensive Insurance: Covers your Volkswagen against theft, vandalism, weather damage, and more.
• Accident Forgiveness: Prevents your Volkswagen insurance rates from increasing after your first accident.
• OEM Parts Coverage: Ensures your Volkswagen is repaired with original manufacturer parts, not aftermarket parts.

Review these options carefully to make sure your Volkswagen is fully protected while keeping your insurance costs affordable.

Get more insights by reading our guide about what to do when you’re denied insurance coverage.

Effective Ways to Save on Volkswagen Auto Insurance

There are other practical tips that reduce auto insurance premiums without sacrificing essential VW coverage. Here are some of the effective ways to save on auto insurance:

• Maintain a Clean Driving Record: Safe driving practices lower your risk factor, which means lower rates on your Volkswagen, avoiding tickets and accidents, particularly for younger drivers.
• Improve Your Credit Score: A strong credit score can lead to better rates for Volkswagen insurance. Monitor your credit score by paying your bills on time, since insurance providers often base premiums on credit history.
• Increase Your Deductible: Opting for a higher deductible on your Volkswagen can lower your monthly premium. Just make sure the higher deductible is something you can afford if you need to file a claim.
• Limit Your Mileage: If you drive your Volkswagen less, you may qualify for lower premiums. Many insurers offer discounts for low-mileage drivers, making this a great way to cut costs.

Use these strategies to keep Volkswagen auto insurance affordable. Whether you’re looking for a low rate or premium protection, all these factors will help ensure the lowest prices for your Volkswagen insurance.

How to Save With Volkswagen Auto Insurance Discounts

If you’re looking for the best car insurance for Volkswagens, taking full advantage of available discounts can substantially lower your premium.

Most leading insurance companies offer a variety of savings tailored to Volkswagen drivers, rewarding safe habits, academic achievement, anti-theft technology, and more.

Knowing what auto insurance discounts are available and how to qualify for them is just as important as comparing base premiums.

These common auto insurance discounts available from leading providers. We highlight the different percentage savings on key programs for Volkswagen owners.

Volkswagen Auto Insurance Discounts From Top Providers

By layering discounts you are eligible for, you can double or even triple the percentage and significantly reduce your total VW insurance costs.

The Best Volkswagen Auto Insurance Companies

Erie, Nationwide, and USAA stand out with the best auto insurance for Volkswagens, offering strong coverage plans. Liberty Mutual ranks highest overall, while Allstate is recognized for its accident forgiveness, and State Farm is praised for its reliable service.

Always compare auto insurance companies before you buy in order to secure the best price on the right coverage. As you can see from our list, each company offers VW drivers different perks and policy options.

Consider how factors like age, driving history, and vehicle models, such as the Tiguan, Jetta, and ID.4, impact insurance rates with different providers. Enter your ZIP code to start comparing VW insurance companies today.

#1 – Erie: Top Pick Overall

Pros

• Rate Lock Feature: Erie allows you to lock in your Volkswagen insurance rate, avoiding premium increases unless you make major policy changes.
• Strong Satisfaction Scores: High ratings in J.D. Power’s customer satisfaction surveys reflect Erie’s strong service for Volkswagen policyholders.
• Free Add-Ons: Services like locksmith assistance and full windshield repair are included at no extra cost, enhancing value for Volkswagen drivers.

Cons

• Limited Availability: Erie is only available in 12 states and Washington, D.C., which limits access for many Volkswagen owners.
• No Online Quote: Erie requires working with an agent to get a quote, which may slow down Volkswagen insurance comparisons (Learn More: How to Get Multiple Auto Insurance Quotes).

#2 – USAA: Best for Military Benefits

Pros

• Exclusive Military Perks: USAA provides specialized perks like military storage discounts, which are ideal for service members with Volkswagens.
• Top Customer Satisfaction: USAA consistently ranks at the top in J.D. Power surveys for claims satisfaction, making it a trusted choice for Volkswagen drivers.
• A++ Financial Rating: The company has a top-rated financial rating, providing solid support for every Volkswagen claim. Get full ratings in our USAA insurance review.

Cons

• Eligibility Restrictions: Coverage by USAA is restricted to military members, veterans, and their families; that eliminates coverage for many Volkswagen drivers.
• Limited Physical Locations: USAA relies heavily on online support, which may be a drawback for those preferring in-person service.

#3 – Liberty Mutual: Best for OEM Coverage

Pros

• OEM Parts Coverage: Provides original manufacturer parts coverage, which helps maintain the integrity and performance of your Volkswagen.
• Comprehensive Add-Ons: Explore VW insurance add-on options like new car replacement and better car replacement in our Liberty Mutual insurance review.
• Generous Bundling Discount: A 25% bundling discount can significantly lower premiums, making Liberty Mutual a competitive choice for the best auto insurance for Volkswagens.

Cons

• Above-Average Urban Rates: Premiums in urban areas tend to be higher, which may affect affordability for Volkswagen drivers living in cities.
• Limited Agent Availability: In some regions, Volkswagen owners may find it challenging to access in-person support due to a smaller agent network.

#4 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible: This feature lowers your deductible by $100 each year without a claim, rewarding safe driving for Volkswagen owners.
• SmartRide Telematics: According to our Nationwide insurance review, safe Volkswagen drivers can benefit from SmartRide, a telematics program that rewards good driving behavior with 40% discounts.
• Solid Coverage Selection: Extras like total loss deductible waiver and identity theft coverage add valuable protection for Volkswagen owners.

Cons

• No OEM Parts Option: Without specific customization, Volkswagen repairs may not include original manufacturer parts.
• Digital Tools Lag: The Nationwide app and website may not be as user-friendly as competitors, making policy management less efficient.

#5 – AAA: Best for Roadside Assistance

Pros

• Roadside Assistance Package: Free roadside assistance is included with every VW auto insurance policy, covering up to 200 miles or more in some areas.
• Safe Driver Discounts: Drivers who avoid claims and traffic citations can save up to 30% on Volkswagen insurance premiums. See more discounts in our AAA Insurance review.
• Few Customer Complaints: AAA receives half the number of complaints from customers as other VW car insurance companies on our list.

Cons

• Regional Service: Customer service experiences with AAA auto insurance vary across cities and states. Same with VW insurance discounts and membership services.
• Membership Required: To qualify for AAA car insurance and roadside assistance, you must be a AAA member and pay annual membership fees.

#6 – State Farm: Best for Young Drivers

Pros

• Steer Clear Program: Offers discounts for young drivers who complete a safe driving course, helping lower their Volkswagen insurance costs. Learn more in our State Farm insurance review.
• Reliable Financial Backing: With an A++ A.M. Best rating, State Farm offers dependable financial strength to support long-term Volkswagen coverage.
• Travel Coverage: Rental car and travel reimbursement features make life easier if your Volkswagen is in the shop for repairs after a covered claim.

Cons

• Limited Custom Add-Ons: Compared to some competitors, State Farm provides fewer optional coverages that might appeal to Volkswagen owners seeking more flexibility.
• Variable Discounts: Discount availability can differ by state, which may limit savings opportunities for some Volkswagen drivers.

#7 – Geico: Best for Digital Tools

Pros

• Efficient Digital Tools: Everything you need to know about Geico includes its user-friendly mobile app and website, which make it easy for tech-savvy Volkswagen drivers.
• Competitive Premiums: Geico consistently offers rates that are lower than average, making it a popular, budget-friendly choice for Volkswagen owners.
• Strong Financial Stability: Geico’s A++ rating from A.M. Best ensures long-term reliability for covering claims on your Volkswagen.

Cons

• Limited Coverage Customization: Geico’s policy options may lack some of the specialized coverage features Volkswagen owners seek.
• Average Customer Interaction: While service is efficient, Geico has received mixed Volkswagen car insurance reviews regarding the customer support experience.

#8 – Allstate: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Our Allstate insurance review highlights accident forgiveness as a strong feature for Volkswagen drivers, helping them avoid premium hikes after their first at-fault accident.
• Deductible Rewards: Safe drivers can reduce their deductibles by $100 each year, which adds long-term savings for responsible Volkswagen owners.
• Drivewise Program: This usage-based telematics program offers potential discounts for safe driving practices, which will be beneficial to most Volkswagen drivers.

Cons

• Higher Premiums for Young Drivers: Young Volkswagen drivers under 25 can expect higher rates than with other insurers.
• Mixed Claims Feedback: Some customers report delays or issues with claims, which may impact the experience for Volkswagen policyholders.

#9 – Farmers: Best for Personalized Policies

Pros

• Highly Customizable Coverage: Farmers allow Volkswagen owners to add unique options, like glass deductible buyback and accident forgiveness, to better protect their vehicle.
• Strong Local Agent Support: Everything you need to know about Farmers Insurance is its network of local agents, providing Volkswagen drivers with personalized guidance.
• Discount Opportunities: With up to 20% bundling discounts and usage-based programs, Farmers provides more discounts on VW insurance than any other company.

Cons

• Higher Premiums Than Average: Farmers tend to charge more than other providers, which may affect affordability for Volkswagen owners seeking the best rates.
• Basic Digital Tools: Farmers’ website and mobile app lag behind competitors, limiting convenience for Volkswagen drivers who prefer managing insurance online.

#10 – Progressive: Best for Customizable Plans

Pros

• Customizable Coverage Options: Progressive offers a wide range of add-ons like gap insurance and custom parts coverage, great for modified Volkswagens.
• Name Your Price Tool: Drivers can customize policies by budget, keeping essential VW insurance coverage intact.
• Snapshot Program: Safe Volkswagen drivers can earn discounts through this telematics program. Our guide to everything you need to know about Progressive explains how.

Cons

• Complex Policy Structures: The variety of choices can make Progressive policies difficult to navigate for Volkswagen owners new to auto insurance.
• Inconsistent Claims Experience: Some policyholders report slower resolution times, which may frustrate Volkswagen drivers needing fast support.