Cheap Volkswagen Auto Insurance in 2024 (10 Best Companies for Savings)

The top providers for cheap Volkswagen auto insurance are Geico, Progressive and State Farm, with Geico being the overall best for affordability and comprehensive coverage, offering rates starting as low as $35 per month.

Comparing quotes from these top providers helps you find the best deal based on your vehicle’s model, age, and driving history, ensuring optimal coverage and savings. Securing the right coverage at the best price is crucial for maximizing your savings and ensuring adequate protection. For additional details, explore our resource titled, “Understanding How Auto Insurance Works.”

Get started on comparing full coverage auto insurance rates by entering your ZIP code above.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

#1 – Geico: Top Overall Pick

Pros:

• Low Monthly Premiums: Geico offers cheap Volkswagen auto insurance starting at $35 per month, ideal for budget-conscious drivers.
• Discount Variety: Extensive discounts further lower cheap Volkswagen auto insurance rates, especially for good drivers and policy bundles. Learn more in our Geico auto insurance review.
• Easy Online Quote Process: Quick and easy online comparisons make securing cheap Volkswagen auto insurance hassle-free.

Cons:

• Limited Personalized Coverage: While Geico excels in providing cheap Volkswagen auto insurance, it may lack tailored coverage options that cater to specific needs.
• Higher Premiums for High-Risk Drivers: Rates for Geico’s cheap Volkswagen auto insurance can rise significantly for drivers with poor credit or accident history.

#2 – Progressive: Best for Flexible Coverage

Pros:

• Snapshot Program Savings: Progressive’s Snapshot program offers lower premiums for safe drivers, helping you secure cheap Volkswagen auto insurance which you can learn about in our Progressive auto insurance review.
• Flexible Payment Plans: Customizable payment options make it easier to manage the cost of cheap Volkswagen auto insurance.
• Wide Range of Coverage Options: Progressive’s mix-and-match coverage allows you to find cheap Volkswagen auto insurance that fits your needs.

Cons:

• Potential for Rate Increases: Progressive’s cheap Volkswagen auto insurance rates might rise if risky driving is detected by the Snapshot program.
• Complex Discount Structure: The variety of discounts available can be confusing, making it harder to navigate the best deals for cheap Volkswagen auto insurance.

#3 – State Farm: Best for Customer Satisfaction

Pros:

• High Customer Satisfaction: State Farm’s reputation for excellent customer service complements its offering of cheap Volkswagen auto insurance.
• Accident Forgiveness: Maintains cheap Volkswagen auto insurance rates even after the first at-fault accident, protecting your premiums which is covered in our State Farm auto insurance review.
• Personalized Agent Support: Provides access to local agents who can assist in securing cheap Volkswagen auto insurance tailored to your needs.

Cons:

• Higher Initial Rates: While known for customer service, State Farm’s cheap Volkswagen auto insurance may start at a higher rate compared to competitors.
• Limited Digital Tools: May not offer as many online tools for managing cheap Volkswagen auto insurance as other providers.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

#4 – Allstate: Best for Comprehensive Coverage

Pros:

• Extensive Coverage Options: Allstate’s comprehensive plans ensure cheap Volkswagen auto insurance with robust protection, including options for newer models.
• Bundling Discounts: Offers significant discounts when bundling multiple policies, making it easier to obtain cheap Volkswagen auto insurance.
• New Car Replacement: Provides cheap Volkswagen auto insurance that includes a new car replacement option, adding value to the coverage. For a complete list, read our Allstate auto insurance review.

Cons:

• Higher Premiums for Comprehensive Plans: The extensive coverage might lead to higher premiums, slightly affecting the perception of cheap Volkswagen auto insurance.
• Complex Claims Process: Some users may find the claims process for cheap Volkswagen auto insurance more cumbersome compared to other providers.

#5 – USAA: Best for Military Discounts

Pros:

• Exclusive Discounts for Service Members: USAA offers substantial discounts specifically for military personnel, resulting in notably cheap Volkswagen auto insurance for eligible individuals. Read our USAA auto insurance review to learn what else is offered.
• High-Rated Customer Experience: USAA’s focus on military families ensures high customer satisfaction and tailored support, making the process of obtaining cheap Volkswagen auto insurance smoother.
• Tailored Coverage Options: USAA provides specialized coverage options that cater to military needs, which can be both comprehensive and cost-effective for cheap Volkswagen auto insurance.

Cons:

• Eligibility Restriction: USAA’s insurance services, including cheap Volkswagen auto insurance, are limited to military members and their families, excluding the general population.
• Limited Physical Presence: With fewer physical offices, obtaining personalized service might be challenging, especially for those who prefer face-to-face interactions.

#6 – Nationwide: Best for Vanishing Deductible

Pros:

• Vanishing Deductible: Reduces your deductible over time with Nationwide’s accident-free reward, enhancing your cheap Volkswagen auto insurance.
• Diverse Discounts: Offers various discounts to lower the cost of your Volkswagen auto insurance which you can read more in our Nationwide auto insurance review.
• Flexible Customization: Adjust coverage levels to balance cost and protection with Nationwide’s cheap Volkswagen auto insurance.

Cons:

• Moderate Starting Rates: Initial premiums for cheap Volkswagen auto insurance may be higher than other budget-focused providers.
• Limited Availability: Some discounts and features might not be available in all states, affecting the consistency of cheap Volkswagen auto insurance.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

#7 – Farmers: Best for Personalized Service

Pros:

• Tailored Policies: Farmers excels in offering personalized cheap Volkswagen auto insurance that meets the specific needs of individual drivers.
• Multiple Coverage Options: Diverse coverage options allow for customized cheap Volkswagen auto insurance plans.
• Experienced Agents: Access to knowledgeable agents ensures you get the best possible cheap Volkswagen auto insurance advice.

Cons:

• Higher Premiums for Customization: Personalized service often comes with a higher price, impacting the affordability of cheap Volkswagen auto insurance.
• Limited Online Tools: Fewer digital tools may make it harder to manage cheap Volkswagen auto insurance policies online. Learn more in our Farmers auto insurance review.

#8 – Liberty Mutual: Best for New Replacement

Pros:

• Affordable New Replacement Coverage: Liberty Mutual’s cheap Volkswagen auto insurance includes new replacement coverage, minimizing additional costs if your vehicle is totaled.
• Customizable Policies: Flexible plans allow you to tailor your cheap Volkswagen auto insurance to include new car replacement, saving on premiums.
• Discounts for Bundling: Bundling your cheap Volkswagen auto insurance with other policies can lead to substantial savings, making it an economical choice. For a complete list, read our Liberty Mutual auto insurance review.

Cons:

• Higher Premiums for Newer Models: Liberty Mutual’s cheap Volkswagen auto insurance may be pricier for newer models due to new replacement coverage.
• Limited Discount Availability: Discounts for cheap Volkswagen auto insurance might be more restricted with Liberty Mutual compared to other providers.

#9 – Travelers: Best for IntelliDrive Program

Pros:

• IntelliDrive Program: Rewards safe driving habits with discounts, making cheap Volkswagen auto insurance even more affordable. For detailed information, refer to our comprehensive report titled, “Travelers Auto Insurance Review.”
• Comprehensive Coverage Options: Offers a variety of coverage types, allowing for tailored cheap Volkswagen auto insurance plans.
• Financial Strength: Strong financial stability ensures long-term reliability for your cheap Volkswagen auto insurance.

Cons:

• Rate Increases After Data Collection: IntelliDrive may lead to rate hikes if driving habits don’t meet certain standards, affecting the perception of cheap Volkswagen auto insurance.
• Complex Discount Structures: Discounts related to IntelliDrive may be confusing, complicating the process of securing cheap Volkswagen auto insurance.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

#10 – The Hartford: Best for AARP benefits

Pros:

• AARP Discounts: Exclusive discounts for AARP members make cheap Volkswagen auto insurance even more accessible for older drivers. To learn more, explore our comprehensive resource titled, “AARP Auto Insurance Program from The Hartford Review.”
• Lifetime Renewability: Offers lifetime renewability, ensuring consistent access to cheap Volkswagen auto insurance as long as you meet basic requirements.
• Excellent Customer Support: Known for exceptional customer service, providing peace of mind when managing cheap Volkswagen auto insurance.

Cons:

• Eligibility Requirements: AARP membership is required to access these cheap Volkswagen auto insurance discounts, limiting availability.
• Higher Premiums for Younger Drivers: Younger drivers might find premiums less competitive, affecting the overall affordability of cheap Volkswagen auto insurance.

Volkswagen Auto Insurance: Monthly Rates and Discounts by Provider

Find out how Volkswagen auto insurance rates differ by provider and coverage level. This guide outlines monthly premiums for both minimum and full coverage from major insurers such as Geico, Progressive and State Farm.

It also highlights available discounts, including those for multi-policy holders, safe drivers, military members, and homeowners. Use this information to make an informed decision and secure the best insurance deal for your Volkswagen.

Volkswagen Auto Insurance Monthly Rates by Provider & Coverage Level

Finding the best auto insurance deal for your Volkswagen can be made even easier by taking advantage of discounts offered by top insurance providers. Here’s a list of discounts from top insurance companies for Volkswagen vehicles. Use this guide to find which discounts apply to you and maximize your savings.

Volkswagen has a number of different models available for drivers to choose from, and it’s important to note that how much auto insurance coverage you’ll need will vary along with the model you drive. If your Volkswagen is an older model, consider increasing coverage due to outdated safety and anti-theft features. Learn how a vehicle’s make and model can affect your auto insurance rates.

Your Volkswagen model and its age affect your insurance needs, along with factors like body style, location, and driving experience. You’ll have choices that range from the minimum amount of auto insurance required by your state and affordable full coverage auto insurance policy with plenty of options in between.

Shopping for auto insurance doesn’t have to become overwhelming. We’ll cover the different types of insurance that are available and how you can find the best rates. Find your cheapest auto insurance quotes by entering your ZIP code above into our free comparison tool.

Available Coverage Options for a Volkswagen

When selecting for Volkswagen auto insurance, while the cost is a crucial factor, it’s important to also evaluate other aspects of coverage. Beyond price, consider the various types of coverage available to ensure you choose a policy that meets your needs. Coverage options can range from basic liability to more comprehensive plans that include collision and comprehensive protection.

Assessing these different coverage types helps you balance affordability with adequate protection. Make sure to review and compare these options to find the best fit for your circumstances. Take a look at a few of the following types of auto insurance coverage that are offered.

• Liability Auto Insurance Coverage: Liability coverage pays for injuries and damages in an accident. Most states require it, with coverage typically split into bodily injury and property damage.
• Collision Auto Insurance Coverage: Collision coverage pays for your vehicle’s repairs after an accident, unlike liability, which covers damage to others’ vehicles.
• Comprehensive Auto Insurance Coverage: Your vehicle will be covered in the event of any situation that is not a collision with another vehicle or piece of property. Weather or hitting a deer are a few examples of what will be covered with comprehensive auto insurance.
• Uninsured/Underinsured Motorist Coverage: Protect yourself from uninsured drivers with UM/UIM coverage, which covers medical bills and damages if they lack proper insurance. Learn more details in our report titled, “What happens if you hit an uninsured driver?“
• MedPay and Personal Injury Protection (PIP): MedPay covers medical expenses regardless of fault, while PIP (required in some states) covers medical bills, lost wages, and sometimes funeral costs.

There are also optional types of auto insurance coverage, including gap insurance and umbrella coverage. Affordable gap insurance coverage can help if you have a car loan or a leased vehicle. Gap insurance will help you make any owed payments on your vehicle in the event it’s totaled in an accident. Learn how much does gap insurance cost.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Understanding Factors Influencing Volkswagen Auto Insurance Rates

Your rates for auto insurance will depend on a few different factors. Discover all the specifics on how car insurance rates are calculated. Below is a list of information that insurance companies may use when you request a quote for Volkswagen auto insurance coverage.

• Personal Details: Age, location, and driving record impact your premium.
• Vehicle Specs: The year, make, and model of your car influence insurance costs.
• Coverage Level: The more coverage you choose, the higher the premium.

Age can play a major part in what auto insurance for a Volkswagen will cost. Teenage drivers can expect to pay more than adults and drivers who have been on the road much longer. The following table is an example of average monthly rates across age groups to demonstrate how much age can affect auto insurance rates.

Volkswagen Auto Insurance Monthly Rates by Age

Auto insurance companies will look at age in terms of risk. A new driver is going to be more of a risk than someone who has a clean driving record and has been on the road for many years. Along with your age, marital status, and credit score, your auto insurance history can also be used when determining your risk factor as a driver. Uncover key details on how to get auto insurance.

Strategies for Comparing Auto Insurance Rates for Your Volkswagen

Comparing auto insurance rates can be approached in several ways, but the most effective method is to shop around and compare quotes from multiple insurers. You will also need to know what the auto insurance requirements will be in your state so that you can plan accordingly. Make sure to consider both the minimum requirements and any additional coverage you might need.

 

A post shared by GEICO (@geico)

This way, you can tailor your insurance policy to meet legal requirements while optimizing for cost and coverage. Doing thorough research will help you find the best insurance deal for your needs. You also have to provide many of the details mentioned above, such as your age and the model of the Volkswagen you’re driving, but you can also ask questions of your own.

• Discounts: Ask for any auto insurance discounts not mentioned initially.
• Digital Proof: Check if an app is available for digital insurance proof.
• Claims Process: Get details on how to file a claim and required documentation.

Price is a key factor in choosing an auto insurance company for your Volkswagen, but it’s not the only consideration. It’s important to also evaluate coverage options, discounts, and the insurer’s reputation. These factors can significantly affect the overall value and suitability of your insurance policy.

Auto Insurance for Volkswagen: The Bottom Line

Securing affordable auto insurance for your Volkswagen is achievable with leading providers such as Geico, Progressive, and State Farm, with Geico offering the most competitive rates starting at $35/month. To know what an auto insurance policy looks like, it’s essential to compare quotes from different insurers and evaluate coverage options, discounts, and customer satisfaction.

Coverage levels range from minimum state-required policies to more extensive options which you can read more in our resource titled, “Comprehensive vs. Collision Coverage: Which Is the More Affordable Choice?” Use comparison tools and discounts to maximize savings and evaluate providers to balance affordability with comprehensive coverage.

Start saving on your auto insurance by entering your ZIP code below and comparing quotes

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption