When buying a new vehicle, factor in the cost of car insurance as part of your overall budget.
On average, Volkswagen car insurance costs an average of $2,226 a year or $185 monthly, based on CarInsurance.com’s rate analysis. Your exact rates may vary based on the Volkswagen model you drive, model year, your age, driving history and the insurance company you choose.
- The annual average nationwide cost of full coverage car insurance for Volkswagen is $2,226 per year.
- The Tiguan is the cheapest Volkswagen model to insure.
- Advanced safety features that come standard on Volkswagen models help lower your insurance costs.
Average cost of car insurance for a Volkswagen, by company
Car insurance premiums can vary widely based on the make of your vehicle. Insurance companies have their own methods for calculating the risk and the probability of claim filing. They consider various factors, including your driving history, location, age and the type of vehicle you own, to determine your auto insurance rates.
Below, you’ll find Volkswagen car insurance rates from various insurance companies.
Cost to insure a Volkswagen, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $1,777 | $889 | $148 |
| State Farm | $1,838 | $919 | $153 |
| Geico | $1,877 | $938 | $156 |
| Progressive | $1,946 | $973 | $162 |
| Allstate | $2,978 | $1,489 | $248 |
| Farmers | $3,078 | $1,539 | $257 |
Volkswagen average insurance rates, by model
Volkswagen Tiguan car insurance cost
Car insurance costs $165 per month or $1,979 a year on average for a Volkswagen Tiguan, according to CarInsurance.com’s data study. Nationwide has the cheapest car insurance rates for Volkswagen Tiguan among the companies analyzed. Its average annual cost for a Volkswagen Tiguan is $1,465 or $122 per month.
Volkswagen Taos car insurance cost
The average monthly car insurance premium for a Volkswagen Taos is $172 or $2,064 annually. Progressive is the most affordable company for a Volkswagen Taos owner, offering insurance at a monthly rate of just $132 or $1,578 per year.
Volkswagen Atlas car insurance cost
The average car insurance premium is $181 per month, which adds up to $2,178 each year for a Volkswagen Atlas. Nationwide is the cheapest car insurance company, with a monthly rate of $139, which translates to an annual cost of $1,666.
Volkswagen Atlas Cross Sport car insurance cost
Car insurance costs an average of $184 per month, which adds up to $2,209 a year for a Volkswagen Atlas Cross Sport. Among the companies analyzed, State Farm stands out as the most affordable option, at an average annual cost of $1,809 or $151 per month.
Volkswagen Jetta car insurance cost
The average monthly car insurance premium for a Volkswagen Jetta is $190, which totals $2,282 annually. Nationwide offers the cheapest rate at $150 per month or $1,795 annually.
Volkswagen ID.4 car insurance cost
The average car insurance premium for Volkswagen ID.4 is $193 per month, which translates to $2,318 per year. The most affordable company for a Volkswagen ID.4 is Geico with a rate of $139 monthly or $1,673 per year.
Insurance rates by car model
The average cost of car insurance for a Volkswagen, by age
The cost of Volkswagen car insurance can vary based on your age. Generally, young drivers face significantly higher premiums compared to those with more driving experience.
According to a study by the Insurance Information Institute, in 2020, young drivers represented just 5.1% of all licensed drivers but were involved in 8.5% of fatal crashes. This data highlights that young drivers are more frequently involved in accidents, leading to increased claims.
Additionally, teens tend to engage in riskier driving behavior compared to older drivers, contributing to higher insurance costs.
As drivers gain more experience, car insurance costs usually decrease and remain relatively stable if the driver doesn’t have any tickets, claims or accidents on their record. However, rates tend to rise again after the age of 60. The table below shows how much it costs to insure a Volkswagen based on the driver’s age.
Cost to insure a Volkswagen, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Volkswagen Atlas | $8,016 | $4,008 | $668 |
| 18 | Volkswagen Atlas Cross Sport | $8,113 | $4,057 | $676 |
| 18 | Volkswagen Golf GTI | $8,846 | $4,423 | $737 |
| 18 | Volkswagen Golf R | $10,328 | $5,164 | $861 |
| 18 | Volkswagen ID.4 | $8,634 | $4,317 | $720 |
| 18 | Volkswagen Jetta | $8,615 | $4,307 | $718 |
| 18 | Volkswagen Jetta GLI | $9,013 | $4,507 | $751 |
| 18 | Volkswagen Taos | $7,670 | $3,835 | $639 |
| 18 | Volkswagen Tiguan | $7,293 | $3,647 | $608 |
Cost to insure a Volkswagen, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Volkswagen Atlas | $2,178 | $1,089 | $181 |
| 40 | Volkswagen Atlas Cross Sport | $2,209 | $1,105 | $184 |
| 40 | Volkswagen Golf GTI | $2,378 | $1,189 | $198 |
| 40 | Volkswagen Golf R | $2,813 | $1,407 | $234 |
| 40 | Volkswagen ID.4 | $2,318 | $1,159 | $193 |
| 40 | Volkswagen Jetta | $2,282 | $1,141 | $190 |
| 40 | Volkswagen Jetta GLI | $2,413 | $1,207 | $201 |
| 40 | Volkswagen Taos | $2,064 | $1,032 | $172 |
| 40 | Volkswagen Tiguan | $1,979 | $990 | $165 |
Volkswagen car insurance rates by state
When it comes to insuring your Volkswagen, your location can greatly affect your premiums. Rates vary significantly across states due to traffic conditions, accident rates, theft/vandalism, weather incidents and state laws. Below, you’ll find Volkswagen car insurance for all the states in the U.S.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,046 | $1,023 | $171 |
| Alabama | $2,136 | $1,068 | $178 |
| Arkansas | $2,380 | $1,190 | $198 |
| Arizona | $2,179 | $1,089 | $182 |
| California | $2,751 | $1,376 | $229 |
| Colorado | $2,865 | $1,432 | $239 |
| Connecticut | $2,300 | $1,150 | $192 |
| Washington, D.C. | $2,629 | $1,315 | $219 |
| Delaware | $2,233 | $1,117 | $186 |
| Florida | $2,729 | $1,365 | $227 |
| Georgia | $2,656 | $1,328 | $221 |
| Hawaii | $1,436 | $718 | $120 |
| Iowa | $1,877 | $938 | $156 |
| Idaho | $1,494 | $747 | $125 |
| Illinois | $2,198 | $1,099 | $183 |
| Indiana | $2,025 | $1,012 | $169 |
| Kansas | $2,348 | $1,174 | $196 |
| Kentucky | $2,718 | $1,359 | $226 |
| Louisiana | $3,661 | $1,831 | $305 |
| Massachusetts | $1,980 | $990 | $165 |
| Maryland | $2,042 | $1,021 | $170 |
| Maine | $1,553 | $777 | $129 |
| Michigan | $2,969 | $1,485 | $247 |
| Minnesota | $2,446 | $1,223 | $204 |
| Missouri | $2,512 | $1,256 | $209 |
| Mississippi | $2,333 | $1,167 | $194 |
| Montana | $2,383 | $1,191 | $199 |
| North Carolina | $1,906 | $953 | $159 |
| North Dakota | $1,998 | $999 | $166 |
| Nebraska | $2,354 | $1,177 | $196 |
| New Hampshire | $1,680 | $840 | $140 |
| New Jersey | $2,161 | $1,080 | $180 |
| New Mexico | $2,314 | $1,157 | $193 |
| Nevada | $2,201 | $1,100 | $183 |
| New York | $1,623 | $812 | $135 |
| Ohio | $1,627 | $814 | $136 |
| Oklahoma | $2,438 | $1,219 | $203 |
| Oregon | $2,190 | $1,095 | $182 |
| Pennsylvania | $2,329 | $1,164 | $194 |
| Rhode Island | $2,596 | $1,298 | $216 |
| South Carolina | $2,056 | $1,028 | $171 |
| South Dakota | $2,550 | $1,275 | $212 |
| Tennessee | $2,429 | $1,214 | $202 |
| Texas | $3,090 | $1,545 | $258 |
| Utah | $1,839 | $919 | $153 |
| Virginia | $1,631 | $815 | $136 |
| Vermont | $1,608 | $804 | $134 |
| Washington | $1,855 | $928 | $155 |
| Wisconsin | $1,717 | $859 | $143 |
| West Virginia | $2,073 | $1,036 | $173 |
| Wyoming | $2,376 | $1,188 | $198 |
Average car insurance cost for different vehicle makes
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To find affordable Volkswagen car insurance rates, you should opt for a family-friendly vehicle like a small SUV. These models usually include advanced safety features, have smaller engines and are driven by people with children in the car. This makes them more cautious drivers, leading to fewer accidents.
Safety features such as airbags, backup cameras, automatic emergency braking and lane departure warnings help to get affordable car insurance premiums. As in years past, minivans and small to midsize SUVs continue to rank among the most affordable vehicles to insure.
Pickups and commercial vans often come with lower insurance rates than sedans and other types of vehicles. This is partly because they are cheaper to repair and don’t have any expensive electric and safety components, leading to cheaper insurance rates.
Cheapest Volkswagen models to insure
Smaller, budget-friendly Volkswagen models with low-power engines are more affordable to insure than upscale or sporty versions. Entry-level base models have lower car insurance rates, but premiums increase as you move up to higher-level trims.
Choosing family-friendly models with robust safety features can help lower your insurance costs. Advanced safety technologies like automatic emergency braking, a backup camera and blind spot detection often lead to premium discounts.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren Mckenzie, independent broker/agent with A Plus Insurance. “If you are younger and you choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Volkswagen models to insure
Luxury vehicles and sports cars typically rank among the most expensive vehicles to insure. Luxury cars and sports models often come with higher premiums due to their increased theft risk and higher repair or replacement costs. Meanwhile, larger SUVs can also result in higher insurance rates because of their potential to cause more damage in an accident.
If you’re planning to reduce your insurance expenses, try to avoid these types of vehicles:
- EVs: Electric vehicles (EVs) come with large, costly batteries, which can make them more expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor this risk into your premium.
- Luxury and sports cars: Insurers view luxury and sports cars as higher risk due to their hefty price tags. With big engines and exclusive features, these vehicles are costly to repair or replace, which leads to higher insurance premiums.
- Favorites of thieves: Insurance companies diligently analyze theft data to assess risk. Owning a vehicle that ranks high on thieves’ lists can lead to increased insurance premiums. Each year, the National Insurance Crime Bureau (NICB) releases a list of the most targeted cars by thieves. By selecting a vehicle that isn’t frequently stolen, you can potentially reduce your insurance expenses.
How to save on car insurance for a Volkswagen
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered and you will save a lot of money on car insurance,” Mckenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” Mckenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Volkswagen discounts on car insurance
One way to save money on your Volkswagen insurance is to make sure that all available discounts are being applied to your policy. Insurers offer a variety of discounts that can dramatically lower your premium.
You might be eligible for discounts related to your vehicle or personal factors. Insurance companies typically reduce rates for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warning systems and driver alertness monitors.
In addition, you may be able to save a bit of coin by having an anti-theft device installed or driving a brand-new car as some insurers offer a new car discount.
Discounts related to your personal factors can include major discounts such as being a good driver or a good student (if you have a teen on your policy).
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Volkswagen auto insurance.
How does a car’s make affect car insurance rates?
Volkswagen car insurance rates depend on the model you select. They offer a diverse range of vehicles and insurance costs vary with each type.
Smaller SUVs and minivans are the cheapest vehicle types to insure while luxury models and sporty sedans are more expensive. Pickup trucks tend to fall on the more affordable side of the insurance spectrum – until you get into the luxury trim levels.
Insurers collect reams of statistical data, and the numbers show that vehicles that are popular with families (think SUVs and minivans) are in fewer accidents and file fewer claims than drivers of sedans and sports cars which is one reason they are cheaper to insure. Luxury vehicles and sports cars are also bursting with expensive trim materials and technology that pushes up the cost of repairs and insurance.
When comparing car insurance quotes, make sure to compare quotes thoroughly for different types of vehicles. For instance, insuring a luxury sedan generally costs more than insuring a minivan or mid-size SUV. To make an informed decision, be sure to compare quotes for the same vehicle type and coverage levels.
The same advice should be followed when comparing vehicles from different manufacturers. A luxury German sedan (BMW or Mercedes for example) will be more expensive to insure than a minivan or compact vehicle from another manufacturer, so always compare similar vehicle types and trim levels when shopping for a new vehicle or policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Volkswagen
Volkswagen, established in 1937 in Germany, is one of the world’s leading automobile manufacturers and the largest carmaker in Europe. Volkswagen vehicles are known for their well-crafted designs, advanced safety features and fuel efficiency, offering a diverse range of models to cater to various consumer preferences.
Final thoughts on Volkswagen insurance costs
Volkswagen offers a diverse range of vehicle models, and the cost to insure them varies based on several factors. Opting for entry-level vehicles with a lower starting price, a smaller engine and plenty of safety features can help keep your insurance premiums affordable. On the other hand, selecting luxury or sporty models may increase the cost of coverage.
No matter which Volkswagen model you choose, you can save money on your insurance by regularly comparing your coverage options, inquiring about available discounts and opting for the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Volkswagen?
Your driving record is important in determining your Volkswagen’s insurance premium. Generally, a clean driving history results in lower rates, while incidents such as accidents, speeding violations, or DUI charges can significantly raise your premium.
Does the color of my Volkswagen affect the insurance premium?
The color of your Volkswagen does not influence your insurance premium. Insurance companies determine rates based on factors such as the model, age, safety features and driving history, but vehicle color has no impact on the cost.
How does the age of my Volkswagen affect insurance costs?
The age of your Volkswagen can affect your insurance costs. Generally, older models may come with lower premiums due to depreciation, although they might lack modern safety features, which can lead to slightly higher rates. In contrast, newer models typically have higher premiums because they are more costly to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed June 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed June 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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