Cheap Car Insurance for Station Wagons in 2024 (Save Money With These 10 Companies)

Geico, USAA, and State Farm are the top picks for cheap car insurance for station wagons.

How much station wagons cost to insure depends largely on a variety of factors. As the station wagon becomes a more popular option for individuals and families, there are more being produced, more being purchased, and, in turn, more being driven and insured. However, as to the total cost to insure a station wagon, more information must be provided than just the type of vehicle.

Our Top 10 Company Picks: Cheap Car Insurance for Station Wagons

Are you looking for car insurance rates for your station wagon? Entering your ZIP code above can help you find cheap auto insurance for station wagons in your area today.

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#1 – Geico: Top Pick Overall

Pros

• Online Convenience: Easily manage your station wagon policy details online. Learn more in our Geico review.
• Roadside Assistance: Great if you have an older station wagon that might need a jump or tow.
• Good Student Discount: Great for families with teens to help maximize insurance savings on auto insurance for a station wagon.

Cons

• Local Support: Most of Geico’s services are provided over the phone or online.
• Discount Availability: Good driver discounts aren’t always available.

#2 – USAA: Best for Military Benefits

Pros

• Military Benefits: USAA offers additional benefits like shopping discounts to USAA members.
• Customer Service: Read our USAA review to learn about its high ratings.
• Multi-Policy Discount: You can also purchase home insurance or renters insurance from USAA.

Cons

• Eligibility: USAA is exclusively sold to service members and veterans.
• Coverage Options: USAA doesn’t offer as many add-ons as some companies.

#3 – State Farm: Best for Customer Loyalty

Pros

• Customer Loyalty: Most State Farm customers stick with the company as a provider.
• Roadside Assistance: Great if your station wagon is older and breaks down frequently.
• Financial Reputation: The company has the highest rating from A.M. Best. Learn more in our State Farm review.

Cons

• Credit Scores: Your credit score may impact your rates for insurance on a station wagon in some states.
• Accident Forgiveness: You may not qualify for accident forgiveness due to the more stringent requirements.

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#4 – Progressive: Best for Bundle Discounts

Pros

• Bundle Discounts: Buy home or renters insurance with auto insurance to get reduced rates. Learn more in our Progressive review.
• Coverage Variety: Add specialty station wagon coverages, like custom parts insurance if you’ve made modifications.
• Budgeting Tool: This tool is free to use and helps you see how much station wagon insurance you can afford.

Cons

• UBI Rate Increases: Bad drivers may have rate increases after joining Progressive’s UBI program.
• Customer Claims: The company doesn’t have high claim satisfaction ratings.

#5 – Nationwide: Best for Family Plans

 Pros

• Family Plans: Nationwide has great coverage options and discounts for families looking for station wagon insurance.
• Multiple Discounts: See what discounts are offered by reading our article on Nationwide discounts.
• Deductible Reductions: Nationwide reduces deductibles for customers who don’t file claims.

Cons

• Availability: Auto insurance is not sold in a few states in the U.S.
• High-Risk Rates: Nationwide is not the best option for drivers with multiple infractions on their driving record.

#6 – Farmers: Best for Safety Discounts

Pros

• Safety Discounts: Get lower rates if your station wagon is equipped with safety features. Read more in our Farmers review.
• On Your Side Review: Every year, you can work with an agent to make sure your rates and coverages are still ideal.
• Roadside Assistance: Add towing and repair assistance if your station wagon breaks down.

Cons

• Claim Reviews: Customer claim satisfaction isn’t the highest rated at Farmers.
• Online Tools: You will need agent assistance for some tasks, rather than being able to do it online.

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#7 – Travelers: Best for Safe Driver Benefits

Pros

• Safe Driver Benefits: Safe drivers can get lower rates through discounts and reduced deductibles.
• Coverage Options: Personalize a policy for your station wagon with add-ons. Discover more in our review of Travelers.
• Multi-Policy Discount: Keeping all your insurance products at Travelers pays off with lower rates.

Cons

• UBI Rate Increases: Poor driving habits may increase your rates in Travelers’ UBI program.
• High-Risk Rates: Travelers is less economical for station wagon owners with multiple infractions on their records.

#8 – American Family: Best for Young Driver Focus

Pros

• Young Driver Focus: American Family offers several discounts tailored to young drivers.
• Roadside Assistance: Purchase for help with breakdowns. Read more in our American Family review.
• Customer Service: Customer service is highly rated by most customers.

Cons

• Availability: Station wagon owners may not have insurance in their state.
• High-Risk Rates: Cheap rates may not be possible for DUI drivers.

#9 – Allstate: Best for Car Replacement

Pros

• Car Replacement: You can buy new car replacement coverage from Allstate in case your new station wagon is totaled.
• Pay-Per-Mile Rates: A great way to save if you rarely drive your station wagon.
• Good Driver Discount: Drivers with clean driving records will have the lowest station wagon rates.

Cons

• Young Driver Rates: Teens may want to get quotes from other companies.
• Customer Complaints: Complaints are more numerous than at Allstates’ competition. Learn more in our Allstate review.

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#10 – Liberty Mutual: Best for Customizable Coverage

Pros

• Customizable Coverage: You can customize your coverages by adjusting your deductible amounts.
• 24/7 Support: Call Liberty Mutual at any hour for help with your station wagon insurance.
• Military Discount: Service members are offered a discount at Liberty Mutual.

Cons

• High-Risk Rates: Policies aren’t as economical if station wagon owners are deemed high-risk.
• Claim Reviews: The company is not the highest rated for claims processing. Learn more in our Liberty Mutual car insurance review.

Types of Station Wagons

All station wagons have extra room in the far back of the vehicle. Several different types of station wagons that are on the market today include the Volkswagen Golf SportWagon, Volvo V60, Toyota Prius V, BMW 3-series, and the Subaru Impreza.

Read more:

• Compare Subaru Car Insurance Rates
• Compare Volkswagen Car Insurance Rates

Here are some of the ways that room in these types of station wagons are used:

• Additional seating
• Extra cargo space
• Both, as the car seats fold up or down depending on your individual needs

The station wagon has continued to evolve, but the traditional station wagon, such as the popular wagon used in the 1980 movie, “National Lampoon’s Vacation,” has been updated and changed to meet the new requirements of the American family.

Even the names have changed, as the term “station wagon” has been replaced by new names such as:

• Compact utility vehicle
• Crossover vehicle
• Five-door sports wagon

The term station wagon is now almost obsolete, but the original reasons that the station wagon was produced are still in play today.

Who Should Consider Station Wagons

Life in the United States requires that you and your family get around in the easiest and most efficient way possible. This starts by having a vehicle that can help you stay organized.

With additional cargo room and seating, today’s station wagons allow you to fit your entire family in the vehicle, as well as their sports gear, school bags, and other belongings. Compact utility vehicles provide the handling and gas mileage qualities of a car but also offer the convenience of having the extra room of a minivan. Compared to compact utility vehicles, station wagons typically:

• are cheaper to insure
• are cheaper to purchase
• get better gas mileage

If you require the extra room that comes with a station wagon, you may want to consider looking at many different models. If the cost of insuring a station wagon is a deterrent, it may be beneficial to look at minivans as well.

 

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What is important to note about these vehicles is that they are sportier and smaller than the traditional station wagon. In fact, most of the vehicles do not seat more than five people, so they are not necessarily a good choice for a large family that needs a lot of space.

Station Wagon Auto Insurance Rates

A lot depends on the type of station wagon, but generally, station wagons offer a lower insurance premium cost than other cars and trucks. Take a look below at average rates from cheap station wagon insurance companies.

Car Insurance Monthly Rates for Station Wagons by Coverage Level & Provider

The reason that station wagons are cheaper to insure is that they are safer to drive and have better safety features, which can earn you safety feature discounts.

Take a look below at the discounts offered at affordable station wagon companies.

Station wagons are some of the safest cars in America because they’re a little larger than other cars on the road but not so large that the vehicle can cause a lot of damage in a car accident. However, we recommend still getting quotes from cheap companies like Geioc to get a better idea of what your rates would be for your station wagon.

Typically, station wagons are not popular cars targeted by auto thieves and are less expensive to repair when they do get damaged, making them more affordable to insure.

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The Final Word on Cheap Station Wagon Insurance

Minivans and station wagons are some of the least expensive vehicles to insure. However, you will still have to take your time comparing rates and coverages at companies to find the best deal (learn more: How do you get competitive quotes for car insurance?).

Are you looking for a new station wagon and trying to get car insurance rates? Start today by entering your ZIP code below!

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