Cheap Volkswagen Auto Insurance in 2025 (Save With These 10 Companies!)

Erie, AAA, and State Farm offer cheap Volkswagen auto insurance, with rates starting as low as $86/month depending on the model of your VW.

Since Volkswagen auto insurance can be expensive depending on factors such as your driving record, your place of residence, and your credit score, finding a decent rate usually takes some research.

Our Top 10 Company Picks: Cheap Volkswagen Auto Insurance

Compare auto insurance rates online by vehicle make and model to find the most affordable car insurance for Volkswagens.

The Volkswagen Beetle is the cheapest VW to insure at just $127/mo, but other models have higher rates, such as the VW Tiguan at $159 a month.

This guide will explain the basics of Volkswagen auto insurance coverage and how you can get discounts on your policy. Explore your auto insurance options by entering your ZIP code into our free comparison tool above today.

#1 – Erie: Top Pick Overall

Pros

• Affordable Rates: Erie drivers pay less than average for auto insurance.
• Customizable Coverage: Can purchase full coverage or minimum liability auto insurance.
• Erie Auto Plus: Offers perks like diminishing deductible, which you can learn more about in our Erie auto insurance review.
• Pet Injury Protection: Great for furry passengers.

Cons

• Senior Rates: Older drivers will see an increase in coverage price.
• Low Availability: Auto insurance not offered in every state.

#2 – AAA: Cheapest for Members

Pros

• Financial Strength: Has an A+ with A.M. Best.
• Member Discounts: Includes towing, fuel delivery, and much more. Read more in our AAA auto insurance review.
• Easy Bundling Options: You can bundle home, life, and auto insurance.

Cons

• Availability: Not provided in all U.S. states.
• Membership Required: You have to be a member to purchase auto insurance.

#3 – State Farm: Cheapest for Safe Drivers

Pros

• Offers Rideshare Insurance: Helpful if you work for Lyft or Uber.
• Forgiving Rates: Moderate policy pricing if you have a speeding ticket. Find out more in our State Farm auto insurance review.
• Customer Service: Extensively positive customer satisfaction ratings.

Cons

• Poor Credit, High Rates: Drivers will pay more than average with bad credit.
• Limited Policy Choices: Accident forgiveness and other perks not offered.

#4 – Travelers: Cheapest for Older Drivers

Pros

• Availability: Travelers can be purchased in all 50 U.S. states.
• Cost of Coverage: Auto insurance lower than national average.
• Rideshare Insurance: Additional coverage offered, and you can read about it in our Travelers auto insurance review.

Cons

• Poor Reviews: Customers unhappy with service.
• IntelliDrive Program: Can actually raise a driver’s rates.

#5 – Progressive: Cheapest for High-Risk Drivers

Pros

• Snapshot Program: Helps save drivers money for driving safely. Read more in our Progressive auto insurance review.
• High-Risk Friendly: Drivers with infractions not penalized.
• Financial Stability: Rated an A+ With A.M. Best.

Cons

• Young Drivers Pay More: Teens will see higher than average rates.
• Poor Customer Service: Progressive has an F with the BBB.

#6 – Nationwide: Cheapest for Minimalist Drivers

Pros

• Teens Pay Less: Young drivers won’t see high rates. Learn more in our Nationwide auto insurance review.
• Excellent Customer Service: Customers satisfied with support and claim handling.
• Pay-Per-Mile Option: Not offered by every auto insurance company.

Cons

• Expensive Coverage: Drivers with accidents or DUIs will pay more.
• No Rideshare: Coverage not available for Lyft or Uber drivers.

#7 – American Family: Cheapest for Teen Drivers

Pros

• Driving Record Rates: Drivers with less-than-perfect record not penalized.
• Experience Pays: Older drivers pay less than national average.
• Coverage Options: Property damage and gap coverage offered.
• Affordable High-Risk Rates: Drivers with infractions pay less than average, which you can read more about in our American Family auto insurance review.

Cons

• Claim Handling: Drivers report low satisfaction with claim process.
• Availability: Not available in all states.

#8 – Farmers: Cheapest for Specialty Coverage

Pros

• Signal Program: Usage-based discount program for safe drivers.
• Farmers App: Manage auto insurance and report claims via the app.
• Coverage Options: PIP, uninsured motorist, and comprehensive coverage offered.
• SR-22 Insurance: Not offered by every company. Learn more in our Farmers auto insurance review.

Cons

• Young Drivers Pay More: Higher than average rates for teen drivers.
• High DUI Rates: Drivers with an infraction will have expensive policies.

#9 – Allstate: Cheapest With Reward Program  Pros

• Discount Options: Include discounts for vehicle safety features.
• Reward Program: Accident forgiveness and a safe driving bonus are available.
• Claim Payout: Allstate offers a claim satisfaction guarantee. Read more in our Allstate auto insurance review.

Cons

• Low Rated Customer Service: High level of complaints.
• Poor Credit, Pay More: Drivers will pay nearly double the average.

#10 – Liberty Mutual: Cheapest for Drivers with Good Credit

Pros

• RightTrack Program: Offers discount based off safe driving.
• Safe Drivers Pay Less: Low-risk drivers pay less than average. Read more in our Liberty Mutual auto insurance review.
• Discount Options: Savings depending on driver and vehicle details.
• Additional Coverage: Drivers can customize their policies.

Cons

• Poor Credit, High Rate: Drivers with poor credit or bad driving record pay more.
• Traffic Tickets Raise Rates: Drivers with a single ticket will pay more.

The Basics of Volkswagen Auto Insurance

Auto insurance is meant to protect you and your family from financial losses incurred because of an accident.

Whether you are at fault or not, auto insurance will likely shield you from catastrophic monetary penalties. Most states require drivers to carry a certain amount of insurance.

For instance, the California Department of Motor Vehicles website states that CA drivers require a minimum liability insurance for individual injury/death of $15,000 per person and $30,000 total per incident as well as $5,000 for property damage per incident.

While such numbers are deemed sufficient, most insurance experts agree that such limits are too low.

They suggest that drivers buy the maximum amount of insurance they can comfortably afford. The largely acceptable limits are $100,000 for bodily injury protection per person and $300,000 per accident.

So if you can afford it, insure your VW vehicles for the above-stated amount for your peace of mind!

Different Types of Volkswagen Auto Insurance

Whether you are zipping around in the VW Beetle, Jetta Sportwagen, or doing some smooth driving in the VW Eos convertible, you can choose from a range of Volkswagen insurance services that will keep you and your family safe.

Some of the different forms of coverage that are available are explained in detail here:

• Bodily Injury Liability: Covers the treatment costs of all bodily injury to the other drivers, passengers, or pedestrians hurt in the accident. This form of liability coverage also covers expenses such as lost wages and at-home care, among others. It also pays for legal fees in case you are sued.
• Property Damage Liability: pays for the repair and replacement of someone else’s damaged property in an auto accident caused by you.
• Personal Injury Protection: is more popularly known by its abbreviation of PIP. This coverage pays for all medical and funeral expenses of the driver and his or her passengers.
• Collision Coverage: is expected when you finance a car and is recommended if you drive a new or expensive car. It pays for the repair or replacement of your car if it is damaged or totaled in an accident.
• Comprehensive Coverage: pays for all damages except for those caused by a collision. It covers you if the damage is caused by Acts of God such as inclement weather, human errors such as runaway shopping carts, or criminal acts such as theft or vandalism.
• Uninsured/Underinsured Coverage: is becoming increasingly important since it pays for damages caused by a crash with an at-fault uninsured or underinsured driver.

Volkswagen insurance cost will depend heavily on what you choose to purchase. Each form of coverage is calculated separately by the insurance company and might not be mandatory. It is important that you check with your state’s Department of Motor Vehicles to find the minimum auto insurance requirements by state.

Calculating Your Volkswagen Auto Insurance Rates

Auto insurance calculations are complicated processes. Insurance companies consider many factors that affect auto insurance rates. Some of the core factors are as follows:

• Driving Record: Drive your VW carefully. If your driver’s license has no points, tickets, or citations, you are likely to get a great rate. After all, a clean record indicates careful driving, which in turn makes you a good risk for insurance companies. Make sure you talk to your teens about clean driving records. This will help keep the family auto insurance plan affordable
• Model: If you are going to buy a new vehicle, check out some sites such as Forbes to get an indicator of how your choice of vehicle rates. Remember that your car, its model and year, as well as safety ratings from the Insurance Institute for Highway Safety, matter in insurance calculations.
• Location: If you live in coastal cities prone to hurricanes, in the Tornado Alley, or near a major fault line, you are likely to pay more. If you live in a big city, you will pay more than a rural driver. If you live in a high-crime area, you are going to pay more since there are higher chances of car theft and vandalism.
• Demographics: Age, gender, and marital status are used in insurance calculations. Women overall pay less than men do, and drivers below the age of 25 invariably pay a lot more. These trends are based on statistical research that shows that women drive more safely than men, younger people cause more accidents, and married individuals are more responsible behind the wheel.
• Credit Score: According to MyFICO, your credit rating helps insurance companies determine your ability to make timely payments. A high credit score indicates financial responsibility, which is rewarded by lower insurance rates

It is important to compare Volkswagen auto insurance quotes from multiple companies to see who can offer you the best rates. However, also look into Volkswagen insurance service in your area, to make sure you won’t have to go out of your way in order to receive customer service or repairs.

How to Lower Your Volkswagen Auto Insurance Rates

As you look for a low-cost insurance policy for your VW vehicle, make sure you don’t cut it too close to the bone. While the economy is pushing people to be frugal, it is advisable to keep as much auto insurance coverage as possible.

But there are many ways to minimize your insurance bills. One quick fix is to raise your insurance deductible. The deductible is the amount you have to pay when an accident occurs before the insurance payments kick in. Raise this amount to at least $1,000 if you can afford it. Make sure you have an emergency fund in case of an accident, and drive carefully!

Don’t automatically renew your insurance policy. Shop around for better rates and discounts. Sometimes, insurance companies might price match with a competitor’s offer, especially if you have been a responsible customer and made timely payments.

Shout out to Allstate customers who use our Drivewise app! A national survey found, on average, Drivewise customers:
📞 handle their phones 44% less while driving
🚀 spend 23% less time driving at high speeds
🚙 have an 11% lower rate of hard braking https://t.co/5GeR2nydjm

— Allstate (@Allstate) April 19, 2024

Canceling comprehensive and collision coverage, when appropriate, is one place drivers of older vehicles can save some serious cash. If you have a new car, an expensive car, or have financed your auto purchase, you should ideally carry comprehensive collision coverage. Learn more about when to buy more than minimum auto insurance.

If you are going to add a teenager to auto insurance, make sure they have all the driving courses done in time to get discounts. Make sure they drive carefully and wear seatbelts at all times. A clean driving record will help lower your bill going forward.

Cost of Auto Insurance for Volkswagens by Model

Explore the cost differences in auto insurance for popular Volkswagen models including the GTI, Jetta, and Passat. This summary provides insights into how each model’s insurance rates compare, assisting Volkswagen owners and potential buyers in making informed decisions about their vehicle insurance.

Cost of Auto Insurance for Volkswagen's by Model

Volkswagen insurance based off models is going to be a smart way to look at what insurance companies offer. If you have various insurance providers lined up, in order to get the cheapest Volkswagen insurance rates, make sure you tell each one the same exact information. This is the best way to get accurate VW insurance.

Buying the Cheapest Volkswagen Auto Insurance

If you are looking for the cheapest insurance for Volkswagen vehicles, make sure you choose an established insurance company that has stellar financial ratings, good customer reviews, and outstanding claims processing records.

Looking for auto insurance online can be stressful, given the multiple companies, discounts, and various forms of insurance. Use these guides to help you find more affordable Volkswagen auto insurance based on the model you drive.

Read More:

• Volkswagen Jetta Auto Insurance
• Volkswagen GTI Auto Insurance
• Volkswagen Passat Auto Insurance

Enter your ZIP code below to explore which companies have the cheapest auto insurance rates for you.