Best Auto Insurance for Volkswagens in 2025 (Top 10 Companies Ranked)
The best auto insurance for Volkswagens comes from Liberty Mutual, Allstate, and State Farm. You can get cheap auto insurance for a Volkswagen starting at just $22 monthly, but Liberty Mutual offers stronger policy options with OEM parts coverage and exclusive add-ons, even if its VW insurance rates are higher.
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Rachael Brennan
Licensed Insurance Agent
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...
Licensed Insurance Agent
UPDATED: Apr 26, 2025
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 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 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: Apr 26, 2025
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 should be easy. This doesn’t influence our content. Our opinions are our own.
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3,792 reviewsCompany Facts
Full Coverage for Volkswagens
A.M. Best
Complaint Level
Pros & Cons
3,792 reviews
11,638 reviewsCompany Facts
Full Coverage for Volkswagens
A.M. Best
Complaint Level
Pros & Cons
11,638 reviews
18,154 reviewsCompany Facts
Full Coverage for Volkswagens
A.M. Best
Complaint Level
Pros & Cons
18,154 reviews
The best auto insurance for Volkswagens is offered by Liberty Mutual, Allstate, and State Farm. These companies offer excellent policies specifically designed for the distinct features of Volkswagen models, such as certified repair shops and OEM parts coverage.
Our Top 10 Company Picks: Best Auto Insurance for Volkswagens
Insurance Company Rank Bundling
DiscountA.M. Best Best For Jump to Pros/Cons
#1 25% A Comprehensive Coverage Liberty Mutual
#2 25% A+ Accident Forgiveness Allstate
#3 17% A++ Young Drivers State Farm
#4 20% A+ Vanishing Deductible Nationwide
#5 25% A+ Competitive Rates Erie
#6 25% A++ Digital Tools Geico
#7 10% A+ Customizable Plans Progressive
#8 10% NR Usage-Based Pricing Root
#9 20% A Personalized Policies Farmers
#10 10% A++ Military Benefits USAA
Liberty Mutual ranks highest for comprehensive protection for new or modified Volkswagen models. This Volkswagen car insurance review compares key benefits across all top ten companies to help you avoid the common ways drivers waste money on their cars.
- Liberty Mutual, Allstate, and State Farm are the top three VW insurance companies
- USAA has the cheapest Volkswagen auto insurance for $22 per month
- Volkswagen drivers can lower their rates with usage-based insurance
Enter your ZIP code into our free quote tool to find the best auto insurance companies for Volkswagens that match your needs and budget.
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#1 – Liberty Mutual: Top Overall Pick
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.
#2 – 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.
#3 – 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.
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#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 – Erie: Best for Competitive Rates
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).
#6 – 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.
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#7 – 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.
#8 – Root: Best for Usage-Based Pricing
Pros
- Usage-Based Pricing: Root calculates premiums mostly on the basis of driving habits, giving safe drivers the best Volkswagen auto insurance rates.
- App-First Experience: Root does everything through its app, providing innovative policy management for digital-first Volkswagen owners (Read More: How to Buy Auto Insurance).
- No Credit Score Impact: Root does not use credit score when setting Volkswagen insurance rates.
Cons
- Not Rated by A.M. Best: Root lacks an official financial strength rating, which may concern Volkswagen drivers looking for insurer stability.
- Limited Market Availability: Root is not available in all states, reducing accessibility for Volkswagen owners nationwide.
#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 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.
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#10 – 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.
Volkswagen Insurance Rates From Top Companies
Understanding your Volkswagen insurance cost starts with comparing average monthly rates across top providers. Whether you’re leasing a VW, buying one outright, or simply updating your policy, knowing what you’ll pay for minimum liability or full coverage can help you find the cheapest car insurance for Volkswagens.
Volkswagen Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$68 $172
$55 $130
$64 $150
$57 $80
$65 $160
$44 $115
$60 $136
$48 $110
$45 $120
$22 $59
Among the standout options, USAA offers the lowest rates, with just $22 for minimum coverage and $59 for full coverage, but these rates are only available to military members. State Farm is an affordable option for minimum coverage, but its full coverage rates are higher than many other companies on this list.
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 or accident forgiveness.
Not all policies define ‘full coverage’ the same way, so it’s worth reading the fine print to understand what’s really included.
Jeff Root Licensed Insurance Agent
These averages offer a clear view of your options from company to company, but keep reading to see how different factors impact your Volkswagen car insurance quotes.
How Age and Driving Record Affect Volkswagen 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 Age & Driving Record| Age | Clean Record | One Accident | One Speeding Ticket | Multiple Violations |
|---|---|---|---|---|
| 16-Year-Old | $410 | $500 | $470 | $600 |
| 18-Year-Old | $320 | $410 | $375 | $480 |
| 25-Year-Old | $230 | $310 | $280 | $360 |
| 30-Year-Old | $200 | $280 | $250 | $330 |
| 40-Year-Old | $170 | $240 | $220 | $290 |
| 45-Year-Old | $160 | $230 | $210 | $270 |
| 50-Year-Old | $150 | $210 | $190 | $250 |
| 60-Year-Old | $140 | $190 | $170 | $230 |
| 65-Year-Old | $150 | $200 | $180 | $240 |
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
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How Auto Insurance Costs Vary by Volkswagen 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| Model | Minimum Coverage | Full Coverage |
|---|---|---|
| Volkswagen Tiguan | $98 | $166 |
| Volkswagen Taos | $95 | $159 |
| Volkswagen Atlas | $102 | $172 |
| Volkswagen Atlas Cross Sport | $101 | $170 |
| Volkswagen ID.4 | $94 | $158 |
| Volkswagen Arteon | $106 | $180 |
| Volkswagen Golf | $92 | $154 |
| Volkswagen Jetta | $88 | $149 |
| Volkswagen Passat | $90 | $152 |
| Volkswagen Touareg | $108 | $185 |
Monthly premiums range from $158 per month for the Volkswagen Tiguan, one of the brand’s more affordable options, to $210 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 at $193 monthly and the Passat at $172 per month offer reasonable coverage rates with good value.
Read More: Everything You Need to Know About Luxury and Exotic Car Insurance
How to Save on Volkswagen Auto Insurance With 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.
The table below shows common auto insurance discounts available from leading providers, highlighting percentage savings on key programs for Volkswagen owners:
Volkswagen Auto Insurance Discounts From Top Providers| Insurance Company | Anti-Theft | Bundling | Good Driver | Good Student | UBI |
|---|---|---|---|---|---|
| 10% | 25% | 25% | 20% | 30% |
| 25% | 25% | 23% | 15% | 30% |
| 10% | 20% | 30% | 15% | 30% |
| 25% | 25% | 26% | 15% | 25% |
| 35% | 25% | 20% | 15% | 30% |
| 5% | 20% | 40% | 15% | 40% |
| 25% | 10% | 30% | 10% | $231/yr |
| 25% | 10% | 52% | 10% | 30% |
| 15% | 17% | 25% | 25% | 30% |
| 15% | 10% | 30% | 10% | 30% |
Knowing what auto insurance discounts are available and how to qualify for them is just as important as comparing base premiums. By layering discounts you are eligible for, you can significantly reduce your total VW insurance costs without sacrificing quality coverage.
Other 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.
The Best Volkswagen Auto Insurance Companies
Liberty Mutual, Allstate, and State Farm 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.
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Always compare auto insurance companies before you buy in order to secure the best price on the right coverage. As you can see from this 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.
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Frequently Asked Questions
How much does auto insurance for Volkswagens typically cost?
Volkswagen auto insurance costs vary depending on the model, your driving record, and the level of coverage. On average, Volkswagen owners can expect to pay between $22 and $59 per month for minimum coverage and around $136 for full coverage. Higher-end models or performance-focused vehicles, such as the Golf, may have higher premiums.
Which insurance providers offer the best value for VW drivers?
Liberty Mutual, Allstate, and State Farm are among the top providers for Volkswagen drivers. Find the best auto insurance companies, no matter how much coverage you need, by entering your ZIP code into our comparison tool.
What factors should I consider when choosing the best auto insurance for my Volkswagen?
When choosing auto insurance for your Volkswagen, consider coverage options (liability, collision, comprehensive), monthly premiums, deductibles, customer service ratings, available discounts, and your driving history. Some providers may specialize in coverage types that suit your vehicle’s needs, such as repair costs or safety features.
Read More: Buckling Up Behaviors: Exploring Americans’ Seatbelt Habits
What discounts are available for Volkswagen drivers?
Many insurance providers offer discounts that can help lower your premiums. Common discounts for Volkswagen owners include safe driver discounts, bundling policies, anti-theft device discounts, and discounts for driving less (e.g., low mileage). Some insurers also offer loyalty programs and discounts for being a long-time customer.
What type of coverage should I get for my Volkswagen?
The type of VW insurance coverage you need depends on your situation. For basic protection, liability insurance may be sufficient. However, if you want more comprehensive protection, consider adding collision and comprehensive coverage. Drivers with newer or higher-end models, like the Volkswagen Golf or Arteon, may want to opt for full coverage to protect against damage and theft.
Should I buy auto insurance for a leased or financed Volkswagen differently?
If you’re leasing or financing your Volkswagen, full coverage, including collision and comprehensive insurance, is typically required to protect the vehicle. This ensures you’re covered in case of an accident.
Learn More: Traffic Collision Reconstruction
Does my age affect the cost of auto insurance for my Volkswagen?
Yes, your age is a significant factor in determining your premiums. Young drivers, especially those under 25, typically face higher premiums due to being considered higher-risk drivers. On the other hand, older drivers with more experience and a clean driving record generally pay lower premiums.
How can I reduce my Volkswagen insurance premiums?
To reduce your premiums, you can increase your deductible, take advantage of discounts, improve your driving record, or reduce your coverage if it’s no longer necessary. Additionally, some providers offer usage-based insurance, which allows you to pay based on your driving habits.
Read More: The Definitive Guide to Usage-Based Car Insurance
Can I find cheap auto insurance for a Volkswagen if I have a poor driving record?
While a poor driving record can increase your premiums, providers like Geico, Progressive, and USAA may offer more affordable options for drivers with a less-than-ideal record. To find better high-risk insurance rates, try entering your ZIP code into our free auto insurance quote comparison tool.
What is VW tire insurance, and is it worth it?
VW tire insurance covers the cost of tire repairs or replacements resulting from road hazards, such as potholes or debris. It’s optional but can be useful for drivers on poor roads or with high-performance tires, saving on costly replacements. Consider your driving conditions before purchasing.
How does my Volkswagen model affect my insurance rates?
The model of your Volkswagen can significantly impact your insurance rates. Performance vehicles like the Golf or Arteon tend to have higher premiums due to their higher repair costs and increased risk of accidents. In contrast, more economical models like the Tiguan or Jetta typically have lower premiums because they are considered less risky.
Read More: What Does the Insurance Institute for Highway Safety Do?
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Rachael Brennan
Licensed Insurance Agent
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about 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.