There's no doubt that consumers worldwide are very familiar with the Volkswagen brand. It continues to be a top seller in the US as consumers continue to trust Volkswagen to put out stylish, affordable, and well-built automobiles.
From the original Beetle to the latest-model Passat, Volkswagen continues to market its vehicles based on reliability, low cost of ownership, and life of the vehicle. No matter which model of Volkswagen you prefer, you'll want a quality car insurance package to protect you and your vehicle.
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What Kind of Insurance Do You Need for Your Volkswagen?
You have a variety of options when it comes to insuring your Volkswagen. While there are many factors to take into consideration, the ones that take top priority are what's mandated and what will provide you with the most protection.
Bodily injury liability: Bodily injury liability insurance handles medical bills and lost wages for any third party that is injured if you are in an at-fault accident in your Volkswagen. It will not pay for your personal injuries.
Property damage liability: If you're in an accident with someone else's vehicle, building, or home, then a property damage liability policy will help repair or replace any damaged property.
Most states require a minimum amount of bodily injury and property damage liability. It's possible that your state's required minimum for liability insurance is not enough to protect you if you experience an incident. Make sure to speak with your independent insurance agent to understand how much liability insurance you need to be fully protected.
Medical payments/Personal injury protection: In some states, medical payments or personal injury protection (PIP) coverage may be required. This insurance will pay for any limited necessary medical treatment and is a preset amount, usually between $5,000 and $25,000 in coverage. PIP insurance is available in "no-fault" states and a requirement in some areas. You'll have the availability to purchase medical payments insurance everywhere else.
Uninsured motorist coverage: Many drivers are behind the wheel without proper insurance. If you're in an accident with someone who does not have insurance or has an insufficient amount, you'll be left having to pay for any damage they caused to your vehicle and you. Uninsured and underinsured motorist coverage offers a layer of protection that helps pay for repairs in the event that you're in an accident with an underinsured motorist.
Collision: If you collide with another vehicle or objects like a parking garage wall or stop sign, collision insurance covers the damage your Volkswagen sustains. This insurance may not be worth it if your car is older and has a lower replacement value. Your agent can help you weigh the pros and cons of having collision insurance.
Comprehensive: Events like hitting a deer, vandalism, or damage from a hailstorm are covered by comprehensive insurance.
Glass coverage: Depending on the model of your Volkswagen, you could be paying nearly $1,000 to replace a broken windshield. Glass coverage is a low-premium option that makes this cost much more affordable.
Gap insurance: If you have a loan or lease on your Volkswagen, you may owe more than the market value of the vehicle. Gap insurance covers the difference between the amount your insurance company will pay if your car is totaled and the amount you owe to a bank or lease company.
If you purchase a brand-new Volkswagen, you will have the option to purchase gap insurance from the dealer. If not, you can still add this important coverage to your auto insurance with help from your agent.
What Affects the Cost of Insurance for Your Volkswagen?
- Annual mileage: If you put more than 10,000 to 15,000 miles per year on your car, you may pay slightly higher insurance premiums. This is above the national average and could flag your insurance with a higher risk of filing a claim.
- Your driving record: Car insurance companies will reward good driving. If your record is clear of recent violations you'll get a better deal on your premium then if you are dealing with a record that has tickets on it.
- The value of your vehicle: The type of Volkswagen you drive also affects your insurance premiums. Different Volkswagen models have different coverage needs. These rates assume that the driver is a 40-year-old male who has a clean driving history. The policies reflect a $500 comprehensive and collision deductible, uninsured/underinsured motorist coverage, and minimum liability limits. Rates are averaged across all 50 states.
|Average insurance premium by Volkswagen car model||Annually||Monthly|
Average Volkswagen Insurance Costs
On average, full coverage auto insurance for Volkswagen owners is $1,504 a year, which breaks down to around $125 a month. However, high-risk drivers are looking at paying around $3,250 a year, and teens will pay even more at about $5,478 a year. If you're willing to snag a higher deductible, your rates will drop slightly to around $1,284 annually.
Here's how Volkswagen premiums change for younger vs. older drivers:
|Average Volkswagen rates by age with full coverage and a $500 deductible|
The Safety of Your Volkswagen
Every car model will have its own safety features and ratings, but fortunately, Volkswagens receive high safety rankings. Most models have five-out-of-five star overall safety ratings from the National Highway Traffic Safety Administration (NHTSA).
Safety features are essential and will help the insurance carriers give you a safety discount. With features like the Intelligent Crash Response System (ICRS), automatic post-collision braking system, tire pressure monitoring system, and front and rear crumple zones, to name a few, the Volkswagen is highly rated for safety.
How Location Affects Your Volkswagen Insurance
Where you live is a major factor in how much you pay for auto insurance. For this reason, it's crucial to get a personalized quote from your agent.
Which states are most affordable and least affordable for car insurance?
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Top Insurance Carriers That Insure the Volkswagen
The insurance company you choose will determine your coverage and if they have the funds to foot the bill. Your carrier needs to be responsive and have an A-rated reserve for claim payouts. The US Independent Insurance Agent Satisfaction Study by J.D. Power gave these companies a trustworthy recommendation:
Finding Volkswagen Insurance Quotes
If one of the Volkswagen models is the car for you, work with your local Trusted Choice independent agent to get information about finding the best Volkswagen insurance coverage and rates.
These agents will review your situation and help you find multiple quotes from different insurance companies at a competitive price. Contact a local independent agent today.
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