Viking Auto Insurance Review for 2024 (See Rates & Discounts Here)

Discover how Viking auto insurance review offers rates starting at $185/month for high-risk drivers, including SR-22 filings.

Viking offers liability, collision, and comprehensive insurance, making it a solid choice for those with a troubled driving history. As one of the best comprehensive auto insurance companies, Viking provides essential protection for accidents, theft, and weather damage.

Viking Auto Insurance Rating

Rating Criteria
Overall Score	3.4
Insurance Cost	4.0
Coverage Availability	4.7
Policy Options	2.5
Claim Processing	2.9
Discounts Available	4.7
Customer Satisfaction	3.8
Business Reviews	3.0
Company Reputation	3.0
Digital Experience	3.0
Plan Personalization	3.0
Coverage Value	3.1
Savings Potential	4.2

Read our review to see how factors like driving record and location affect your rates. Compare Viking’s rates with other providers to find the best deal.

To reduce your auto insurance premiums, use our free quote tool to compare your rates with the top insurance companies in your area by entering your ZIP code.

Important Information About Viking Insurance Company

Viking Insurance Company, founded in 1971 and headquartered in Madison, Wisconsin, became part of Sentry Insurance in 2005. While it now operates under the Dairyland name in most states, Viking continues to provide high-risk auto insurance, SR-22 filings, and coverage for motorcycles and off-road vehicles.

The company operates in 38 states and is supported by the financial strength of Sentry Insurance. Viking focuses on providing insurance for high-risk drivers, offering customized coverage options, though its emphasis on this market leads to higher premiums.

Viking Auto Insurance Rates: How Age, Gender, and Coverage Level Affect Premiums

When considering Viking auto insurance, it’s important to understand how factors that affect auto insurance rates, like age, gender, and coverage level, influence your premiums. This breakdown shows what to expect for both minimum and full coverage across different age groups and genders.

Viking Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

Viking auto insurance offers varying monthly rates depending on coverage level, age, and gender. For minimum coverage, premiums range from $185 for 65-year-old females to $460 for 16-year-old males. Full coverage premiums range from $230 for 65-year-old females to $510 for 16-year-old males.

Premiums tend to decrease as drivers get older, and rates are lower for drivers in the 30-45 range. Gender also influences rates, with male drivers typically paying slightly higher premiums than females for similar coverage levels.

Keep in mind that Viking’s premiums tend to decrease as you age, with the best rates typically available to drivers in their 30s and 40s. Gender also factors into costs — on average, men pay higher premiums than women. Be sure to compare these rates with other providers to ensure you’re getting the best deal for your needs.

The Impact of Your Driving History on Auto Insurance Premiums

Your driving history is a significant factor in how much your monthly premiums will be when selecting Viking auto insurance. Drivers with accidents, DUIs, or tickets will typically see higher rates, while those with a clean record can benefit from more affordable premiums.

Viking auto insurance offers varying monthly rates based on your driving history. Premiums are higher for drivers with accidents, DUIs, or tickets, while those with a clean record benefit from lower rates. However, if you’re looking for cheap auto insurance after an accident, Viking may provide competitive options, though your premiums could still be affected by your past driving history.

For example, drivers with one accident may pay $270, while those with a DUI may face rates around $310. Expect lower premiums if your record is spotless — up to $200 lower. These rates highlight how your driving history can significantly impact your monthly insurance costs.

As shown in the rate breakdown, your driving history can have a significant impact on your insurance costs. To make sure you pay the least amount for coverage, always keep a clean driving record and shop around to get the best rates.

Comparing Viking Auto Insurance Rates for Young Drivers Against Top Competitors

Comparing Viking auto insurance head-to-head with other top competitors, the rate differences begin to come to life, especially among younger drivers. Age and gender are hard factors that drive premiums, and understanding how they vary can help you steer clear of options that may cost more or that aren’t suitable for you.

In comparing Viking Auto Insurance to its best competitors, it is evident rates deviate dramatically from age and gender. With Viking, a 16-year-old female with 2 years of experience would quote around $410, compared with $220 with a competitor like USAA. Viking also charges $460 for 16-year-old males; USAA charges $240, and generally higher.

Viking Auto Insurance Monthly Rates vs. Top Competitors by Age & Gender

Insurance Company	Age 16 Female	Age 16 Male	Age 18 Female	Age 18 Male
	$280	$300	$260	$290
	260.0	$280	$250	$270
	$230	$250	$220	$240
	$290	$310	$270	$300
	$240	$260	$230	$250
	$260	$280	$250	$270
	250.0	$270	$240	$260
	270.0	$290	$260	$280
	220.0	$240	$210	$230
	$300	$320	$280	$310

Similarly, premiums for 18-year-olds vary, with Viking’s rates generally higher than those of Geico and USAA, which offer competitive options. Reasons auto insurance costs more for young drivers include limited experience, higher accident risk, and statistical data showing young drivers’ tendency for risky behaviors.

Viking offers much higher and lower rates for young drivers than the competition. To ensure that you’re getting the least expensive coverage, it is crucial that you shop around and look for quotes from various providers. That way, you can look for the right policy that fits in your budget and meets your coverage requirements.

Essential Coverage Options From Viking Auto Insurance: Protecting You on the Road

Viking also has several different coverage options meant to protect you out on the road — whether you’re to blame in an accident or find yourself up against an unexpected event. Viking insurance for cheap full coverage auto insurance if you’re looking to get auto coverage that offers you comprehensive protection at a very low cost that won’t empty your pockets.

From basic liability coverage to unique protection for high-risk drivers, Viking offers adaptable plans to suit your needs. Here’s a look at the different types of coverage you can get.

• Liability Coverage: Protection if you cause an accident. That way you won’t have to face a financial burden for any damages you might cause with your actions on the road.
• Collision Coverage: Reimburses you for the cost to replace or repair your car if it’s damaged in a collision, no matter who’s at fault. Such coverage is important for the driver who wish to secure their own vehicle in the case of an accident.
• Comprehensive Coverage: Offers protections for damages to your car that are not related to a collision, including theft, vandalism, natural disasters, or colliding with an animal. This is important for full protection outside of accidents.
• Uninsured/Underinsured Motorist Coverage: Covers you if you’re involved in an accident with a motorist who does not have enough insurance (or any insurance). It helps cover your medical bills and vehicle repairs when the other driver is at fault but lacks sufficient coverage.
• SR-22 Coverage: For high-risk drivers who need to file an SR-22 form, often required after a DUI or serious traffic violation. Viking files SR-22s for drivers as a means of getting back on the road legally and maintaining insurance while they are in this status.

Choosing the right coverage is essential for full protection on the road. Viking Auto Insurance offers a range of plans, including liability, collision, comprehensive, and SR-22 coverage, designed to fit different needs.

Liability covers damages or injuries you cause, collision covers damages to your car in a crash, and comprehensive pays for things like theft or natural disasters. SR-22 coverage exists for high-risk drivers. Comparing these options will allow you to find the best fit depending on your driving needs and your budget.

Specialized Coverage Options for Your Vehicle

Viking auto insurance is more than just the basics for protecting your vehicle. Apart from standard coverage, they also offer specialized options that guarantee to protect your customizations and your convenience as well. Here’s more about some of the main extra coverage options that are available.

• Special Parts Coverage: Covers aftermarket parts and upgrades you’ve added to your vehicle, ensuring that your custom modifications are protected.
• Towing and Labor: Covers the cost of a tow truck to take your car to a repair shop after a covered event, helping you get back on the road faster.
• Gap Insurance: The difference owed on an auto loan or lease if your car is declared a total loss in an accident, so you aren’t stuck paying back the remainder of your loan or lease.
• Rental Reimbursement: Rental car coverage enables you to have a rental car while your car gets repaired after an insurable event.

Additional coverage options, like special parts coverage, towing and labor, gap insurance, and rental reimbursement, offer peace of mind by covering unique needs.Liability covers damages or injuries you cause, collision covers damages to your car in a crash, and comprehensive pays for things like theft or natural disasters.

These options provide extra protection for your vehicle, your finances, and your transportation needs, ensuring you’re fully prepared for unexpected events on the road.

Viking Auto Insurance Review: Customer Satisfaction and Financial Strength Insights

Viking Auto Insurance has varying ratings from trusted agencies, some praising their service and others providing insight on where they can do better. J.D. Power says the company has a score of 780 on a scale of 1,000, which means customer satisfaction is below average. This suggests there is room for improvement in their customer service and overall experience.

Consumer Reports gives Viking a score of 65 out of 100, with reviews that are generally mixed, and the company has received more complaints than the industry average, pointing to potential concerns with customer support. A.M. Best rates Viking’s financial strength as a B, which is considered fair.

Viking Business Ratings and Consumer Reviews

Agency
	Score: 780 / 1,000 Below Avg. Satisfaction
	Score: A- Good Business Practices
	Score: 65/100 Mixed Customer Feedback
	Score: 2.5 More Complaints Than Avg.
	Score: B Fair Financial Strength

That means Viking has the capacity to settle its debts, but is not as strong as some other insurers rated higher. This means that Viking provides fundamental coverage — especially for risky drivers — but anyone interested in its policies may want to keep its customer satisfaction and financial stability in mind during their search for an insurer.