Cheap Volkswagen Car Insurance in 2024 (Top 10 Low-Cost Companies)
Erie, Geico, and Progressive are top companies that offer cheap Volkswagen car insurance rates, starting at $55 per month. Erie’s Rate Lock program keeps premiums stable, even after claims. Geico offers a wide array of substantial discounts. Progressive’s tool helps Volkswagen owners find affordable insurance.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Oct 22, 2024
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Oct 22, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
On This Page
19,116 reviewsCompany Facts
Min. Coverage for Volkswagen
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
13,128 reviewsCompany Facts
Min. Coverage for Volkswagen
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsErie, Geico, and Progressive offer cheap Volkswagen car insurance rates, with monthly premiums starting as low as $55 per month. Erie’s Rate Lock program holds VW premiums steady, no matter the claims.
How much does Volkswagen Jetta car insurance cost? These insurers offer competitive rates for popular Volkswagen models like the Jetta, Passat, Tiguan, and Golf.
Our Top 10 Company Picks: Cheap Volkswagen Car Insurance| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $55 | A+ | Competitive Rates | Erie |
 | #2 | $57 | A++ | Broad Discounts | Geico |
 | #3 | $60 | A+ | Tight Budgets | Progressive |
 | #4 | $62 | A+ | Safe Driver | Nationwide |
 | #5 | $64 | A | Policy Bundling | Farmers |
 | #6 | $65 | A | Mileage Savings | Safeco |
 | #7 | $66 | A | Young Driver | American Family |
 | #8 | $67 | A | Student Discounts | Mercury |
 | #9 | $68 | A+ | New Car | Allstate |
 | #10 | $70 | A | Hybrid Discount | Liberty Mutual |
Geico offers discounts for safe drivers and those with multiple cars. Progressive’s Name Your Price tool helps drivers find cheap Volkswagen auto insurance rates that fit their budgets.
To secure the best rates for Volkswagen car insurance, compare quotes from multiple providers, as costs can differ depending on the specific model of the Volkswagen. See if you’re getting the best deal by entering your ZIP code above.
- Erie offers the lowest rate for Volkswagen Drivers at $55/month
- Geico provides numerous car insurance discounts for Volkswagen owners
- Progressive’s Name Your Price tool helps Volkswagen drivers find budget-friendly coverage
#1 – Erie: Top Overall Pick
Pros
- Affordable Volkswagen Coverage: Erie offers excellent protection for popular models like the Jetta and Passat at highly competitive rates averaging $55/month.
- Rate Lock Program: Erie’s unique Rate Lock feature keeps your Volkswagen insurance premium stable after filing a claim.
- New Volkswagen Protection: Erie’s New Car Protection covers the cost of a new Volkswagen if yours is totaled within the first two years of ownership.
Cons
- Limited Availability for Volkswagen Owners: Erie’s services are restricted to only 12 states, potentially inaccessible for many Volkswagen drivers. (Read More: Does Erie Insurance Cover Rental Cars?)
- Fewer Digital Tools for Policies: Erie has fewer online services than bigger insurance companies, which might be frustrating for tech-savvy Volkswagen owners.
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#2 – Geico: Best for Broad Discounts
Pros
- Discount Options: Geico offers many discount options for Volkswagen owners, including safe driver, multi-car, and good student discounts, with rates averaging $57/month.
- DriveEasy Program: Geico’s usage-based insurance program provides substantial discounts for safe Volkswagen drivers. Find out more in our Geico Insurance Review & Ratings.
- User-Friendly Mobile App: Geico’s highly-rated app allows easy management of your Volkswagen insurance policy on-the-go.
Cons
- Limited Volkswagen-Specific Coverage Options: Geico’s insurance options are more limited than some other companies, which might not satisfy all Volkswagen owners’ requirements.
- Variable Customer Service for Volkswagen Claims: Some Volkswagen owners report lower satisfaction with Geico’s customer service during the claims process.
#3 – Progressive: Best for Tight Budgets
Pros
- Name Your Price Tool: Progressive’s unique tool helps Volkswagen owners find coverage that fits their budget, with average rates of $60/month.
- Snapshot Program: This usage-based insurance program rewards safe Volkswagen drivers with personalized rates based on their driving habits.
- Small Accident Forgiveness: Minor incidents with your Volkswagen won’t necessarily lead to rate increases, protecting your premium. For more details, see our Progressive Insurance Review & Ratings.
Cons
- Potential for Steeper Volkswagen Rate Increases: Progressive’s rates may increase more significantly after accidents than other insurers.
- Average Volkswagen Customer Satisfaction: The company’s customer satisfaction ratings are middle-of-the-road, which might concern some Volkswagen owners seeking top-tier service.
#4 – Nationwide: Best for Safe Drivers
Pros
- SmartRide Program: Nationwide’s telematics program offers up to 40% off for safe Volkswagen drivers, with average rates starting at $62/month.
- Accident Forgiveness: Safe Volkswagen drivers can earn accident forgiveness, preventing rate increases after their first at-fault accident.
- Annual Policy Review: Nationwide’s On Your Side Review ensures your Volkswagen maintains optimal coverage year after year.
Cons
- Higher Rates for Young Volkswagen Drivers: Nationwide’s premiums can be higher for younger Volkswagen drivers compared to some competitors.
- Mixed Mobile App Reviews: Mixed reviews of their mobile app may frustrate tech-savvy Volkswagen owners. (Learn More: How to File a Car Insurance Claim With Nationwide Insurance Company)
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#5 – Farmers: Best for Policy Bundling
Pros
- Substantial Bundle Savings: Farmers offers significant discounts for Volkswagen owners who bundle auto with home or life insurance, with auto rates averaging $64/month.
- Customizable Volkswagen Policies: Coverage options can be tailored to specific Volkswagen models and driving habits. Learn what types of car insurance coverage do Farmers offer.
- Signal Program: This insurance plan rewards good driving with discounts for those who drive a Volkswagen safely.
Cons
- Higher Rates for Some Volkswagen Models: Farmers may charge more for certain Volkswagen models compared to other insurers.
- Complex Policy Structures: Some Volkswagen owners might find Farmers’ policy options and terms confusing to navigate.
#6 – Safeco: Best for Mileage Savings
Pros
- Low-Mileage Advantage: Safeco offers substantial discounts for Volkswagen owners who drive less, with average rates of $65/month.
- RightTrack Program: This program gives you custom rates based on how you drive your Volkswagen.
- Diminishing Deductible: Safe Volkswagen drivers can see their deductible reduced by $100 each year, up to $500.
Cons
- Limited Repair Network: Does Safeco offer towing and labor coverage? Yes, they offer towing. Safeco’s smaller repair shop network may limit Volkswagen’s repair options.
- Variable Claims Experience: Some Volkswagen owners report inconsistent experiences with Safeco’s claims process.
#7 – American Family: Best for Young Drivers
Pros
- Teen Driver Discounts: Offers young Volkswagen drivers good student and young volunteer discounts. Discover more information in our American Family homeowners insurance review.
- KnowYourDrive Program: This usage-based insurance option can lead to savings for safe young Volkswagen drivers.
- Generational Discount: Young Volkswagen drivers whose parents are American Family customers can receive additional discounts.
Cons
- Limited Availability: American Family’s services are not available in all states, which may exclude some Volkswagen drivers.
- Potentially Higher Rates for Older Volkswagens: Some owners of older Volkswagen models may face higher premiums compared to newer vehicles.
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#8 – Mercury: Best for Student Discounts
Pros
- Generous Student Discounts: Mercury offers substantial discounts for student Volkswagen drivers with good grades, with average rates of $67/month.
- Good Driver Discount: Safe Volkswagen drivers can save up to 40% on their premiums. (Learn More: Does Mercury Insurance offer OEM parts coverage?)
- Auto + Home Bundling: Significant savings are available for Volkswagen owners who bundle their auto and home insurance with Mercury.
Cons
- Limited National Availability: Mercury’s services are primarily focused on a few states, which may not benefit all Volkswagen owners.
- Less Advanced Digital Tools: The company’s online and mobile platforms may not be as sophisticated as some larger insurers, potentially inconveniencing tech-savvy Volkswagen owners.
#9 – Allstate: Best for New Cars
Pros
- New Car Replacement: Allstate offers new car replacement coverage for Volkswagen owners, with average rates of $68/month.
- Drivewise Program: This usage-based insurance option can lead to personalized discounts for safe Volkswagen drivers. Obtain more information in our Allstate Auto insurance review.
- Deductible Rewards: Safe Volkswagen drivers can earn $100 off their deductible for every year of safe driving, up to $500.
Cons
- Potentially Higher Premiums: Allstate’s rates for some Volkswagen models may be higher compared to other insurers on this list.
- Mixed Claims Satisfaction: Some Volkswagen owners report varying experiences with Allstate’s claims process, which could be a concern for some drivers.
#10 – Liberty Mutual: Best for Hybrid Discount
Pros
- Alternative Energy Discount: Our Liberty Mutual auto insurance review mentioned that they offer discounts for Volkswagen hybrid and electric vehicles, with average rates starting at $70/month.
- RightTrack Program: This telematics program can lead to personalized discounts based on your Volkswagen driving habits.
- New Car Replacement: Liberty Mutual provides new car replacement coverage for totaled Volkswagens less than a year old and with fewer than 15,000 miles.
Cons
- Higher Base Rates: Liberty Mutual’s initial rates for certain Volkswagen models may be higher than some competitors, though discounts can offset this.
- Inconsistent Claims Experience: Some Volkswagen owners report varying levels of satisfaction with Liberty Mutual’s claims process, which could be a consideration for potential customers.
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Comparing Cheap Volkswagen Car Insurance Rates
When comparing quotes to get cheap car insurance for your Volkswagen, you must know the coverage choices for the different models. Most states require liability coverage, and that will protect you if you cause an accident. But if you want full protection for your Volkswagen, you should think about adding more options to your policy.
Volkswagen Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $68 | $154 |
| $66 | $146 |
| $55 | $133 |
| $64 | $145 |
| $57 | $135 |
| $70 | $158 |
| $67 | $149 |
| $62 | $141 |
| $60 | $138 |
| $65 | $148 |
Full coverage Volkswagen insurance gives you protection. It covers collisions and comprehensive damage. This means your car is safe from accidents, theft, and the wrath of nature.
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Some insurers, like Erie provide coverage designed for Volkswagen owners. They offer new car replacement for recent models and protection for custom parts. This is important for those who love performance cars like the Golf GTI or Golf R. It’s important to know who has access to your driving record and how long violations stay on it, as this information affects your insurance rates.
When looking for affordable insurance for your Volkswagen, gather quotes from different companies. Ask about any discounts that might apply to your model, especially for safety features if it has advanced driver assistance systems.
Maximizing Discounts for Cheaper Volkswagen Insurance
Volkswagen owners can find ways to lower their insurance costs. Discounts from companies like Geico can help, especially for those with anti-theft devices. You can also check the available discounts from top providers to see what you can get:
Car Insurance Discounts From the Top Providers for Volkswagen| Insurance Company | Available Discounts |
|---|---|
| Safe driving discount, Anti-theft device discount, New car discount, Multi-policy discount, Responsible payer discount, Early signing discount |
| Low mileage discount, Safe driver discount, Defensive driving course discount, Multi-policy discount, Good student discount, Young driver discount |
| Safe driver discount, Multi-policy discount, Paid-in-full discount, Vehicle safety equipment discount |
| Multi-policy discount, Good driver discount, Homeowner discount, Good student discount, Senior driver discount, New car discount |
| Multi-policy discount, Good driver discount, Vehicle safety features discount, Military discount, Good student discount |
| RightTrack usage-based discount, Multi-car discount, Vehicle safety features discount, Hybrid car discount, Multi-policy discount, Good student discount |
| Multi-policy discount, Good driver discount, Pay-in-full discount, Anti-theft discount, Good student discount |
| Safe driver discount, Multi-policy discount, Paperless billing discount, Anti-theft device discount, Accident-free discount, Defensive driving course discount |
| Snapshot usage-based discount, Multi-car discount, Multi-policy discount, Good student discount, Continuous insurance discount, Homeowner discount |
| RightTrack usage-based discount, Multi-policy discount, Safe driver discount, New vehicle discount, Low mileage discount, Accident-free discount |
A Jetta or Passat might see savings of up to 23% on comprehensive coverage. Many insurers offer plans based on how you drive. Progressive’s Snapshot can get you low-cost car insurance with driver discounts.
Newer models, like the Tiguan or Atlas, with their safety features, can earn up to 10% off collision coverage. Beyond these discounts, choosing a higher deductible or pay-per-mile insurance for city cars like the Golf or Polo can lead to more savings.
Finding the Cheapest Volkswagen Car Insurance Provider
Erie, Geico, and Progressive are the most affordable insurance companies for Volkswagen vehicles due to their low costs, competitive rates, and additional coverage included in each policy. Erie sets itself apart with its Rate Lock, Geico offers plenty of discounts, and Progressive throws its Name Your Price tool into the mix.
Factors such as your location, driving history, and the particular VW model you own are how insurance companies calculate your car insurance rate. To find the best rates for your specific Volkswagen model, whether it’s a Jetta, Passat, Tiguan, or Golf, compare quotes from multiple providers online.
Our free online comparison tool below allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.
Enter your ZIP code below to compare cheap insurance rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.