If you’re wondering how much it will cost to insure your Volkswagen Tiguan in 2025, you’re in the right place. Insurance rates for the Volkswagen Tiguan vary based on your location, driving record and model year.
A 2023 Volkswagen Tiguan typically costs around $2,012 per year to insure, although prices vary widely for older models. For example, a 2021 Tiguan costs $1,919 annually, whereas you’ll pay $1,823 annually for a 2018 model (on average).
In this guide, we’ll explore the costs and offer tips on securing the best insurance rates for your Volkswagen Tiguan.
What is the cost to insure your Volkswagen Tiguan in 2025?
On average, insuring a Volkswagen Tiguan costs $165 per month – or $1,979 annually – for a full coverage policy. However, your actual cost may differ depending on factors such as your age, where you live, your driving history and the insurance company you choose.
Younger drivers or those with a history of accidents may pay higher insurance rates, while older drivers with a clean driving record may pay less for the same coverage. Insurance rates can also change based on the state or even the ZIP code where you park your car.
Use the tool below to find out how much insurance might cost for your car in your area.
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 offers the lowest car insurance rates for your Volkswagen Tiguan, with an average cost of $1,465 per year or $122 each month, based on CarInsurance.com’s study.
Below is a list of insurance companies that offer affordable 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
Generally, newer models have higher insurance rates due to their higher market value and repair costs. For instance, insuring a 2023 Volkswagen Tiguan will likely be more expensive than insuring a 2019 model. However, older models might not have the latest safety features, which can also influence rates.
Below is a comparison of average annual insurance costs for different model years of the Volkswagen Tiguan. This data can give you a clear idea of how insurance premiums change with the vehicle’s age.
| 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 |
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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
The cost to insure a Volkswagen Tiguan can vary widely from state to state due to differences in state laws, average repair costs and car theft or accident rates.
Find the Volkswagen Tiguan car insurance rates for different states in the table below.
| 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 (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 lost their lives in traffic accidents in 2022.
The table below outlines 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 your Volkswagen Tiguan is key to managing your expenses. Insurance costs can change depending on the car’s model year, trim, age and state of residence.
You can keep costs down by maintaining a clean driving record, taking advantage of available discounts and reviewing your insurance policy at least once a year. This way, you can have the coverage you need without paying too much.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” September 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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