If you’re looking for insurance for your Volkswagen Tiguan in 2025, you’re in the right place. Car insurance rates for the Volkswagen Tiguan depend on factors like your driving record, location and car model year.
The average annual cost to insure a 2023 Volkswagen Tiguan is $2,012. However, this rate can vary depending on the model year. For example, a 2021 Tiguan might cost around $1,919 annually, while a 2018 model could be more affordable at $1,823 per year.
This guide will break down the costs and provide helpful tips for getting the best insurance rates for your Volkswagen Tiguan.
What is the cost to insure your Volkswagen Tiguan in 2025?
The average cost to insure a Volkswagen Tiguan is $165 per month or $1,979 annually for a full coverage policy. However, the specific rates may vary based on your age, location, coverage limit, insurance company, and driving history.
Young drivers or those with a history of accidents may see higher premiums, while older, more experienced drivers with clean records may pay less. Additionally, rates can differ based on the state and even the ZIP code where the car is garaged.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Volkswagen Tiguan
Nationwide provides the most affordable car insurance for your Volkswagen Tiguan, with an average annual rate of $1,465, or $122 per month, according to CarInsurance.com’s analysis.
The table below shows which insurance companies offer the best rates for your Volkswagen Tiguan.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $1,465 | $733 | $122 |
| Geico | $1,683 | $842 | $140 |
| State Farm | $1,684 | $842 | $140 |
| Progressive | $1,766 | $883 | $147 |
| Allstate | $2,614 | $1,307 | $218 |
| Farmers | $2,788 | $1,394 | $232 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Volkswagen Tiguan car insurance rates by model year
Newer cars have higher insurance premiums due to higher market value and pricier repair expenses. For example, the insurance cost for a 2023 Volkswagen Tiguan will typically be more expensive than that of a 2019 model. However, older vehicles may lack advanced safety technologies, affecting insurance rates.
Below is a breakdown of the average annual insurance premiums for different model years of the Volkswagen Tiguan, offering insight into how a vehicle’s age impacts its insurance rates.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,643 | $821 | $137 |
| 2015 | $1,704 | $852 | $142 |
| 2016 | $1,756 | $878 | $146 |
| 2017 | $1,784 | $892 | $149 |
| 2018 | $1,823 | $911 | $152 |
| 2019 | $1,851 | $926 | $154 |
| 2020 | $1,899 | $950 | $158 |
| 2021 | $1,919 | $960 | $160 |
| 2022 | $1,941 | $970 | $162 |
| 2023 | $2,012 | $1,006 | $168 |
Volkswagen Tiguan car insurance rates for different trims
The trim level can significantly affect insurance premiums when insuring a Volkswagen Tiguan. Each trim has different features, safety equipment and price points, all of which can affect the cost of insurance.
For instance, higher-end trims like the Tiguan SE R-Line Black, which include advanced technology and luxury features, may have higher insurance premiums than the base model due to the increased replacement and repair costs.
Below is a comparison of average annual insurance costs for different trims of the Volkswagen Tiguan.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Tiguan SE | $1,956 | $978 | $163 |
| Tiguan S | $1,961 | $981 | $163 |
| Tiguan SE R-Line Black | $2,021 | $1,011 | $168 |
Volkswagen Tiguan insurance rates: State-by-state breakdown
Insurance costs for a Volkswagen Tiguan vary widely between states. State laws, average repair expenses and the likelihood of car theft or accidents are all key factors that affect these rates.
Below, you’ll find car insurance rates for the Volkswagen Tiguan in different states.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $1,848 | $924 | $154 |
| Alabama | $1,925 | $963 | $160 |
| Arkansas | $2,117 | $1,058 | $176 |
| Arizona | $2,025 | $1,012 | $169 |
| California | $2,370 | $1,185 | $198 |
| Colorado | $2,504 | $1,252 | $209 |
| Connecticut | $2,034 | $1,017 | $169 |
| Washington, D.C. | $2,359 | $1,180 | $197 |
| Delaware | $2,008 | $1,004 | $167 |
| Florida | $2,520 | $1,260 | $210 |
| Georgia | $2,288 | $1,144 | $191 |
| Hawaii | $1,315 | $658 | $110 |
| Iowa | $1,622 | $811 | $135 |
| Idaho | $1,307 | $654 | $109 |
| Illinois | $1,919 | $959 | $160 |
| Indiana | $1,790 | $895 | $149 |
| Kansas | $2,116 | $1,058 | $176 |
| Kentucky | $2,396 | $1,198 | $200 |
| Louisiana | $3,187 | $1,593 | $266 |
| Massachusetts | $1,678 | $839 | $140 |
| Maryland | $1,782 | $891 | $149 |
| Maine | $1,391 | $695 | $116 |
| Michigan | $2,679 | $1,339 | $223 |
| Minnesota | $2,192 | $1,096 | $183 |
| Missouri | $2,086 | $1,043 | $174 |
| Mississippi | $2,105 | $1,053 | $175 |
| Montana | $2,165 | $1,083 | $180 |
| North Carolina | $1,591 | $795 | $133 |
| North Dakota | $1,937 | $969 | $161 |
| Nebraska | $2,055 | $1,027 | $171 |
| New Hampshire | $1,502 | $751 | $125 |
| New Jersey | $1,910 | $955 | $159 |
| New Mexico | $2,070 | $1,035 | $172 |
| Nevada | $1,979 | $990 | $165 |
| New York | $1,447 | $723 | $121 |
| Ohio | $1,505 | $753 | $125 |
| Oklahoma | $2,176 | $1,088 | $181 |
| Oregon | $2,078 | $1,039 | $173 |
| Pennsylvania | $2,096 | $1,048 | $175 |
| Rhode Island | $2,285 | $1,143 | $190 |
| South Carolina | $1,856 | $928 | $155 |
| South Dakota | $2,219 | $1,110 | $185 |
| Tennessee | $2,183 | $1,091 | $182 |
| Texas | $2,706 | $1,353 | $225 |
| Utah | $1,622 | $811 | $135 |
| Virginia | $1,444 | $722 | $120 |
| Vermont | $1,395 | $697 | $116 |
| Washington | $1,579 | $790 | $132 |
| Wisconsin | $1,519 | $760 | $127 |
| West Virginia | $1,993 | $997 | $166 |
| Wyoming | $2,075 | $1,038 | $173 |
How your age impacts Volkswagen Tiguan insurance rates
Drivers under 25 often see higher insurance rates due to their inexperience and higher risk of car accidents. As individuals age and get more experience behind the wheel, their rates usually drop. However, for older drivers, insurance costs can increase again due to age-related risks.
According to the National Highway Traffic Safety Administration’s (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 died in traffic crashes in 2022.
The table below shows the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $7,293 | $3,647 | $608 |
| Adults | $1,979 | $990 | $165 |
The bottom line
Knowing how much it costs to insure a Volkswagen Tiguan is important for managing your budget. Insurance rates can change based on the car’s model year, trim, age and location.
By taking proactive steps like maintaining a clean driving record, taking advantage of discounts and regularly reviewing your insurance needs, you can balance adequate coverage and affordability.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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