If you’re planning to purchase a new vehicle, it’s important to include the car insurance cost in your overall budget.
On average, Volkswagen car insurance costs an average of $2,684 a year or $224 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 $2,684 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 differ significantly based on the make of the vehicle. For instance, car insurance rates vary from one insurance company to another because each company uses its formula to calculate risk and estimate the likelihood of a claim being filed, considering factors such as your driving record, location, age and the type of vehicle you drive.
See how car insurance rates for Volkswagen vehicles compare among different insurers in the table below.
Cost to insure a Volkswagen, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $1,752 | $876 | $146 |
| Progressive | $2,119 | $1,059 | $177 |
| State Farm | $2,288 | $1,144 | $191 |
| GEICO | $2,350 | $1,175 | $196 |
| Nationwide | $2,478 | $1,239 | $206 |
| Allstate | $3,396 | $1,698 | $283 |
| Farmers | $3,735 | $1,867 | $311 |
| USAA | $2,015 | $1,008 | $168 |
Volkswagen average insurance rates, by model
Volkswagen Tiguan car insurance cost
Car insurance cost for a Volkswagen Tiguan is $194 per month or $2,329 a year, based on CarInsurance.com’s rate analysis. Travelers offers the most affordable car insurance rates for a Volkswagen Tiguan at an average monthly cost of $144 or $1,724 yearly.
Volkswagen Taos car insurance cost
The average car insurance premium for Volkswagen Taos is $197 per month, which translates to $2,362 per year. The most affordable company for a Volkswagen Taos is Travelers with a rate of $136 monthly or $1,627 per year.
Volkswagen Atlas car insurance cost
For Volkswagen Atlas owners, the average car insurance cost is $212 per month or $2,546 annually. Travelers offers the most affordable insurance premiums with an average annual cost of $1,622 or $135 per month.
Volkswagen Atlas Cross Sport car insurance cost
Car insurance costs an average of $218 per month, which adds up to $2,616 a year for a Volkswagen Atlas Cross Sport. Among the companies analyzed, Travelers stands out as the most affordable option, at an average annual cost of $1,790 or $149 per month.
Volkswagen Jetta car insurance cost
Car insurance cost for a Volkswagen Jetta is $2,677 a year or $223 monthly. If you own a Volkswagen Jetta, Travelers has the cheapest car insurance rates with an average annual premium of $1,988 or $166 per month.
Volkswagen Golf GTI car insurance cost
The average car insurance premium for Volkswagen Golf GTI is $230 per month, which translates to $2,765 per year. The most affordable company for a Volkswagen Golf GTI is Travelers with a rate of $154 monthly or $1,849 per year.
Insurance rates by car model
The average cost of car insurance for a Volkswagen, by driver age
Your age is an important rating factor in determining your Volkswagen car insurance premiums. Young drivers often pay the highest car insurance rates because of their inexperience behind the wheel. On the other hand, adult drivers pay affordable premiums for the same coverage.
In 2020, the Insurance Information Institute reported that young drivers represented only 5.1% of licensed drivers but were involved in 8.5% of fatal crashes. This data clearly shows that young drivers are more frequently involved in accidents, resulting in increased claims. Their tendency to engage in riskier driving behaviors compared to older drivers further contributes to the higher insurance rates.
The cost of car insurance starts to drop as drivers gain more experience and stays pretty level, assuming no tickets, claims or accidents until the age of 60 when rates start to rise.
In the tables below, see how much it costs to insure a Volkswagen by 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 | $8,194 | $4,097 | $683 |
| 18 | Volkswagen Atlas Cross Sport | $8,441 | $4,221 | $703 |
| 18 | Volkswagen Golf GTI | $9,038 | $4,519 | $753 |
| 18 | Volkswagen Golf R | $10,301 | $5,151 | $858 |
| 18 | Volkswagen ID.Buzz | $11,491 | $5,746 | $958 |
| 18 | Volkswagen Jetta | $8,820 | $4,410 | $735 |
| 18 | Volkswagen Jetta GLI | $9,480 | $4,740 | $790 |
| 18 | Volkswagen Taos | $7,740 | $3,870 | $645 |
| 18 | Volkswagen Tiguan | $7,554 | $3,777 | $629 |
Cost to insure a Volkswagen, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Volkswagen Atlas | $2,546 | $1,273 | $212 |
| 40 | Volkswagen Atlas Cross Sport | $2,616 | $1,308 | $218 |
| 40 | Volkswagen Golf GTI | $2,765 | $1,382 | $230 |
| 40 | Volkswagen Golf R | $3,184 | $1,592 | $265 |
| 40 | Volkswagen ID.Buzz | $3,582 | $1,791 | $299 |
| 40 | Volkswagen Jetta | $2,677 | $1,339 | $223 |
| 40 | Volkswagen Jetta GLI | $2,885 | $1,443 | $240 |
| 40 | Volkswagen Taos | $2,362 | $1,181 | $197 |
| 40 | Volkswagen Tiguan | $2,329 | $1,165 | $194 |
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Volkswagen car insurance rates by state
When it comes to car insurance, your location plays a significant role in determining your insurance premiums. Volkswagen car insurance rates vary significantly from one state to another due to factors such as traffic conditions, accident rates, theft/vandalism, weather events and state-specific insurance laws. Find below Volkswagen car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,437 | $1,218 | $203 |
| Alabama | $2,323 | $1,161 | $194 |
| Arkansas | $3,049 | $1,524 | $254 |
| Arizona | $2,780 | $1,390 | $232 |
| California | $3,389 | $1,695 | $282 |
| Colorado | $3,266 | $1,633 | $272 |
| Connecticut | $3,077 | $1,539 | $256 |
| Washington, D.C. | $3,288 | $1,644 | $274 |
| Delaware | $3,013 | $1,507 | $251 |
| Florida | $3,218 | $1,609 | $268 |
| Georgia | $2,805 | $1,403 | $234 |
| Hawaii | $1,593 | $796 | $133 |
| Iowa | $2,290 | $1,145 | $191 |
| Idaho | $1,810 | $905 | $151 |
| Illinois | $2,265 | $1,133 | $189 |
| Indiana | $1,844 | $922 | $154 |
| Kansas | $2,576 | $1,288 | $215 |
| Kentucky | $3,143 | $1,571 | $262 |
| Louisiana | $4,413 | $2,207 | $368 |
| Massachusetts | $2,138 | $1,069 | $178 |
| Maryland | $2,845 | $1,423 | $237 |
| Maine | $1,669 | $835 | $139 |
| Michigan | $3,685 | $1,843 | $307 |
| Minnesota | $2,576 | $1,288 | $215 |
| Missouri | $2,592 | $1,296 | $216 |
| Mississippi | $2,897 | $1,448 | $241 |
| Montana | $2,477 | $1,239 | $206 |
| North Carolina | $2,389 | $1,195 | $199 |
| North Dakota | $2,243 | $1,122 | $187 |
| Nebraska | $2,722 | $1,361 | $227 |
| New Hampshire | $1,778 | $889 | $148 |
| New Jersey | $3,055 | $1,527 | $255 |
| New Mexico | $2,655 | $1,327 | $221 |
| Nevada | $3,673 | $1,837 | $306 |
| New York | $2,983 | $1,492 | $249 |
| Ohio | $1,765 | $883 | $147 |
| Oklahoma | $2,949 | $1,474 | $246 |
| Oregon | $2,366 | $1,183 | $197 |
| Pennsylvania | $2,583 | $1,292 | $215 |
| Rhode Island | $2,960 | $1,480 | $247 |
| South Carolina | $3,144 | $1,572 | $262 |
| South Dakota | $2,824 | $1,412 | $235 |
| Tennessee | $2,332 | $1,166 | $194 |
| Texas | $3,071 | $1,536 | $256 |
| Utah | $2,104 | $1,052 | $175 |
| Virginia | $2,206 | $1,103 | $184 |
| Vermont | $1,722 | $861 | $144 |
| Washington | $2,143 | $1,071 | $179 |
| Wisconsin | $2,525 | $1,262 | $210 |
| West Virginia | $2,399 | $1,200 | $200 |
| Wyoming | $2,045 | $1,022 | $170 |
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 also tend to be cheaper to insure than sedans and other vehicle types. They are usually cheaper to repair because the back end of the vehicle is just an empty bed, it doesn’t have seating or other expensive electrical and safety components. Cheaper repairs result in cheaper insurance.
Cheapest Volkswagen models to insure
Opting for smaller, less costly Volkswagen models with modest engines can result in lower insurance costs than choosing sportier or upscale models. Base versions tend to be the most affordable to insure, but premiums increase as you upgrade to higher-level trims.
Models that are popular with families and are loaded with safety features will help keep your premium affordable. Advanced safety features such as automatic emergency braking, a backup camera and blind spot detection can result in a discount on your premium.
“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
When it comes to insurance costs, luxury vehicles, sports cars and SUVs are often the most expensive. Sports cars and luxury models have higher rates because they’re more frequently targeted by thieves and have high repair costs. SUVs, especially the larger models, come with higher premiums due to their potential to cause more extensive damage in accidents.
If you are hoping to keep your insurance bill low, avoid these types of vehicles:
- EVs: EVs have large, very expensive batteries under the hood which makes them expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor that risk into your rate.
- Luxury and sports cars: A big engine is always a red flag for insurers as is a sky-high sticker price. Luxury and sports cars come with a big sticker price, are fast, and filled with exotic trims and technology, all of which make them very costly to repair or replace if you file a claim which is why they are super expensive to insure.
- Favorites of thieves: Insurers keep a close eye on statistics, and if your vehicle is a favorite with car thieves, you will pay more for coverage. The National Insurance Crime Bureau (NICB) releases a list every year of hot cars with thieves so avoid those vehicles to keep your premium low.
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, installing an anti-theft system or purchasing a new car might lower your premiums since some insurance companies offer new car insurance discounts. Personal factors can also lead to significant savings, such as discounts for good drivers or good students if you have a teen added to 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 Honda 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.
Insurance companies analyze extensive statistical data, which shows that vehicles popular among families-like SUVs and minivans-are involved in fewer accidents and file fewer claims compared to sedans and sports cars. This is one reason they come with lower insurance costs. On the other hand, luxury vehicles and sports cars are packed with high-end materials and advanced technology, increasing repair expenses and, consequently, insurance premiums.
Make sure you compare car insurance quotes apples to apples for different types of vehicles. A luxury sedan typically costs more to insure than a minivan or mid-size SUV. To make an informed decision, make sure you compare quotes for the same vehicle types and coverage limits.
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 lineup of models, and the cost to insure them varies based on several factors. Choosing an entry-level vehicle with a low MSRP, smaller engine and various safety features can help keep your insurance premiums affordable. On the other hand, choosing luxury or sporty models will typically increase the cost of coverage.
Shopping your coverage on a regular basis, asking for discounts and choosing the highest deductible you can easily afford are all great ways to save money on your coverage regardless of which Volkswagen model you drive off the lot.
Frequently asked questions
Does my driving record impact how much I pay to insure my Volkswagen?
Yes, your driving record has a significant impact on your Volkswagen’s insurance premium. A clean driving history typically leads to lower rates, while accidents, speeding tickets, or DUI offenses can substantially increase your premium.
Does the color of my Volkswagen affect the insurance premium?
No, the color of your Volkswagen does not affect your insurance premium. Insurance companies base their rates on factors like the model, age, safety features, and driving history, but not the color of your vehicle.
How does the age of my Volkswagen affect insurance costs?
The age of your Volkswagen can influence your insurance costs. Older Volkswagen models tend to have lower premiums due to depreciation, but they may lack the latest safety features, which can slightly increase the rates. Conversely, newer models often have higher premiums because they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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