VSP Auto Insurance Review (2021)

You won't find VSP auto insurance coverage while searching online, but VSP Global Insurance provides coverage for eye care to 1 in 4 visually impaired Americans at rates as low as $13 a month. Find out more about VSP insurance and compare car insurance quotes for free right now.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jan 26, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Company Details
Address: 3333 Quality Dr.
City: Rancho Cordova
State: California
ZIP Code: 95670
Phone Number: 1-800-877-7195
Website: www.vsp.com
Year Founded: 1955
AM Best Rating: A-
Company Rating 0 (0 reviews)

Things to Remember

  • VSP Insurance was founded by a group of optometrists in 1955.
  • VSP auto insurance is not a coverage option offered by VSP Vision Care.
  • 1 in 4 Americans with a visual impairment are serviced by VSP insurance plans.

With over 82 million active members, VSP vision care is one of the largest independent eye care insurance companies in the United States. The VSP insurance company sells individual and supplemental group coverage for vision care to an overwhelming one in four visually impaired Americans, but can you purchase cheap auto insurance through VSP?

What does VSP cover? Is VSP auto insurance available as a supplemental coverage option? How does VSP work? Where can I use VSP insurance? How much is VSP insurance? And how can I purchase VSP insurance?

Our complete VSP auto insurance review has the answers to these questions, as well as a quick rundown of contact info, claims processing, and quote options for VSP vision insurance.

Looking for rates from VSP auto insurance company? While VSP doesn’t offer auto insurance, you can try out our free online quote option. Simply type in your ZIP code to receive multiple quotes from auto insurance companies near you.

Does VSP sell auto insurance?

According to a National Institutes of Health (NIH) study, around 94 percent of Americans aged 12 and older have good vision and therefore have no need of vision insurance.

That may seem like a large majority, but it does still leave a remaining six percent who suffer from visual impairment, and that’s 14 million people. And an even more striking statistic is that 11 million of those visually impaired individuals do not receive any form of vision treatment.

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What is VSP insurance?

VSP Vision Care, aka VSP Global Insurance, is the insurance company that makes sure you don’t end up as one of the 11 million visually impaired Americans with no options for affordable eye care.

VSP plans provide complete eye care coverage for individuals through supplemental plans, individual policies, and group employer VSP benefits packages.

Appropriate eye care is essential to driving, so does the top vision care insurance company also offer any form of VSP auto insurance coverage?

Unfortunately, VSP auto insurance is not a VSP coverage option from the eye care insurance company.

What does my VSP insurance cover?

VSP insurance coverage will of course be different for each client depending on their specific plan. Most VSP plans cover costs for annual eye exams, yearly frames for eyeglasses, and contact lenses.

The video below gives a brief history of VSP Global Insurance and explains some its benefits packages.

Generally speaking, VSP insurance plans will cover the entire cost of exams, contact fittings, and eyeglass frames with basic lenses. Policyholders generally receive discounted rates for the remaining costs associated with vision care.

Are you wondering how to use VSP insurance or VSP vision insurance, and which providers are in network?

VSP insurance is used just as any health insurance policy would be used at a physician’s office.

Customers must find locations that accept VSP insurance and then simply present insurance information to the vision care specialists upon arrival. Thankfully, it is not difficult to find affiliated vision care providers.

In partnership with over 35,000 VSP vision providers, doctors who accept VSP eye insurance are located at Visionworks, Pearle Vision, Accuvision, Walmart, VSP Costco vision care sites, Rosin Eyecar, MyEyeDr, and EyeCare Centers.

Most if not all locations should be equipped with VSP providers for glasses and contacts with complete eye exams.

Vision insurance starts as low as just $13 a month with VSP. In spite of the confusing search results online, we would also like to inform you that VSP dental is not an offered policy coverage option from the eye care insurance company.

What is VSP’s A.M. Best rating?

A.M. Best, one the top credit ranking agencies in the insurance industry, ranks VSP as financially stable for the short and long term with an A- rating of excellent.

Even with good eyesight being an imperative attribute for any and all motorists, VSP probably won’t be getting involved in automotive coverage anytime in the near future.

To give you an idea of what auto coverage might cost you, though, we’ve included some average estimates for auto insurance rates by states in the table below.

Average Annual Comprehensive Auto Insurance Rates by State
StatesAverage Annual Comprehensive Auto Insurance
Rates
Oregon$89.66
Maine$96.66
California$99.29
Hawaii$100.09
New Hampshire$103.03
Washington$104.11
Utah$106.57
Florida$110.12
Idaho$110.78
Ohio$112.74
Delaware$113.23
Indiana$115.02
Nevada$116.79
Illinois$117.98
Vermont$118.31
Rhode Island$122.17
North Carolina$123.00
New Jersey$123.18
Connecticut$126.02
Wisconsin$126.34
Massachusetts$128.92
Virginia$129.89
Kentucky$130.15
Pennsylvania$132.01
Tennessee$135.62
Countrywide$138.87
Alaska$141.08
Alabama$146.28
Maryland$146.77
Michigan$147.02
Georgia$153.61
New York$156.66
Colorado$158.34
South Carolina$165.38
Missouri$166.34
New Mexico$166.89
Iowa$171.58
Minnesota$173.04
Arkansas$183.36
Arizona$184.20
Texas$186.70
Mississippi$194.74
West Virginia$195.04
Montana$199.87
Oklahoma$201.56
Nebraska$206.24
Louisiana$208.59
Wyoming$222.86
Kansas$225.34
North Dakota$227.64
South Dakota$228.59
District of Columbia$230.25
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Since we came up empty handed looking for VSP auto insurance, these average rates for comprehensive auto coverage should help give you a rough idea of what you might spend on auto coverage; it’s also one of the best ways to start comparison shopping for auto insurance rates.

Vision care is definitely no joke, and VSP, even without direct VSP coverage for auto insurance, still plays an important part in maintaining affordable auto insurance rates through safe driving practices.

Even a single car accident can have an impact on your auto insurance rates, as this table below shows:

Average Annual Auto Insurance Rates by Driving Record
CompaniesAverage Annual Rates With a Clean Driving RecordAverage Annual Rates With 1 AccidentAverage Annual Rates With 1 DUIAverage Annual Rates With 1 Speeding Violation
USAA$1,858.11$2,737.39$3,224.03$2,132.96
State Farm$2,561.35$2,934.63$3,462.47$2,561.35
GEICO$2,769.60$3,651.43$3,061.96$3,570.55
Nationwide$3,351.99$3,351.99$4,977.19$3,789.11
Progressive$4,066.74$5,258.36$4,753.00$4,581.27
Allstate$4,270.52$6,562.28$6,837.95$4,270.52
American Family$4,418.84$5,627.66$4,931.37$4,418.84
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It’s important to reiterate that these averages are not for any form of auto insurance from VSP Insurance.

Where is VSP located?

VSP Global Insurance corporate headquarters is located at 3333 Quality Dr., Rancho Cordova, CA ,95670.

Does VSP have agents?

VSP does not necessarily have agents, but customers will have to go through a local broker or agent to purchase a VSP policy if they are not willing to purchase online. Brokers work independently with VSP to sell its eye care insurance plans.

If you were rating auto insurance companies based on customer service, VSP would not make the list, and there is no VSP auto insurance phone number since the company does not sell auto coverage.

To speak to a VSP customer service representative to find out more about your VSP insurance options, customers are directed to call the VSP phone number at 1-800-877-7195.

  • Monday – Friday 5 a.m. to 6 p.m., Pacific Time
  • Saturday 7 a.m. to 5 p.m., Pacific Time
  • Sunday 7 a.m. to 5 p.m., Pacific Time

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How do I file a claim with VSP?

The CDC reports that a growing number of Americans will be in need of some form of vision care service by the year 2050.

As of 2012, 4.2 million Americans over 39 years old have some form of uncorrectable visual impairment; this number is predicted to more than double by 2050.

The statistics show that Americans need affordable eye care options with claims processes that are quick, resulting in no fuss payouts. Thankfully, VSP boasts just such an easy to use online claims process.

Just as customers can simply buy their VSP eye care insurance plans online, they can also file their claims just as easily.

In most cases, the eye doctor or provider you use will do all the heavy lifting in contacting VSP and receiving payment for any billed vision care treatment.

VSP employer login portals can be found online as well as a VSP auto insurance login option for individual policyholders to access account and claims status information.

If you’re looking for the convenient benefits of buying auto insurance online, though, you will have to look elsewhere.

In order to mail in a claim (which is generally necessary with out-of-network eye care specialists), customers will need to submit a claim request with copies of the itemized receipts or statements that include:

  • Doctor’s name or office name
  • Name of patient
  • Date of service
  • Each service received and amount paid

Upon completing the claims form, customers can attach receipts or print and mail copies of the claims form and receipts to:

  • Vision Service Plan
    Attention: Claims Services
    P.O. Box 385018
    Birmingham, AL 35238-5018

Are policyholders content with VSP claims service?

The consumer watchdog agency the Better Business Bureau (BBB) rates VSP Insurance extremely highly, giving the company an A+ grading for overall customer satisfaction.

In a stark contrast, ConsumerAffairs has VSP ranking slightly under two out of five stars due to a large number of customer complaints. To be fair, though, many of the complaints seem to involve lack of full payment for out-of-network procedures.

How do I get a quote from VSP?

Many insurance companies allow you to instantly buy auto insurance online these days. VSP would probably be one of those companies if it actually sold auto insurance.

You won’t find any VSP auto insurance quotes on the web or by contacting the VSP customer service help line.

However, quotes from VSP Global Insurance can be found online through the company’s website or by contacting a local agent or broker.

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VSP Auto Insurance: The Bottom Line

VSP is one of the top vision care insurance companies in the U.S., servicing one out of four Americans with a visual impairment. VSP Global Insurance company sells individual, group, and employee benefits plans to cover the rising costs of eye care.

VSP coverage options include some if not all payment for eye exams, frames for eyeglasses, and contact lenses. The company, however, does not offer VSP auto insurance in addition, only vision insurance policies.

Still interested in finding affordable VSP car insurance rates?

If you were looking to buy VSP auto insurance, VSP auto insurance rates are unfortunately out of the question. However, you should try out our free online quote option. Type in your ZIP code to receive detailed quotes from multiple auto insurance companies in no time.

Frequently Asked Questions: VSP Auto Insurance

Does VSP have coverage for auto insurance? Now you know. For any unanswered questions, keep reading.

#1. Is VSP insurance offered by O’Reilly Auto Parts?

There is no form of VSP Global auto insurance discount, with a code or without, at O’Reilly Auto Parts stores. O’Reilly employees receive health benefits which may include vision insurance, but this is in no way affiliated with any discounted program from VSP.

There are plenty of discounts that make lower auto insurance premiums possible, but being a card-holding VSP insurance member is not one of them.

#2. Does CVS accept VSP?

Yes. CVS Vision Centers do accept VSP insurance when receiving eye care treatment at any participating locations. VSP is working with CVS Health, a VSP Vision Care client since 2002, as a third-party product and service supplier.

#3. What does VSP stand for?

The VSP in VSP Global Insurance Company stands for Vision Service Plan.

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