This is how prices are quoted if you select Germany as your country of residence. It is possible that Americans get quoted a lower base price, but that insurance is extra.

The Volkswagen quoted to me just a minute ago did include LDW (including theft, accidents, etc.) with an €950 deductible, which could be reduced to €350 for €9.50 per day, and to €0 for €17.50 per day. I would think that your Amex would cover this deductible if you declined the extra coverage.