Key Takeaways
Volkswagen insurance rates are moderate. Often, the car insurance rates are not too high. Insurers tend to quote less for the car brand as it has advanced safety features and possesses fewer risk factors. All the same, the sporty trims of the car models usually have higher insurance rates, and as such, cars have higher performance. Let's go through the insurance rates of selected models and the rates offered by various carriers.
Buying a Volkswagen insurance will cost you $1,596 per year for a full coverage insurance policy.
Numerous factors affect how much Volkswagen insurance will cost. Factors like a driver's age, location, credit score, and driving record are all considered when determining insurance premiums. In addition, the model and trim level of the Volkswagen car you own also determines the insurance premium you pay.
Volkswagen insurance is typically less expensive for cars that are considered safer and have great security measures. The Volkswagen Jetta and Golf are among the models that received favorable safety evaluations from the Insurance Institute for Highway Safety (IIHS). Find the average insurance rate of the brand in comparison with other competing car makers in the table below.
Comparing quotes from different insurers is one method to find the cheapest deal on auto insurance prices. Below are the auto insurance rates of the most affordable insurers for different VW models.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Erie | $821 | $68 |
| Progressive | $855 | $71 |
| Texas Farm Bureau | $881 | $73 |
| USAA | $886 | $74 |
| Allstate | $896 | $75 |
| State Farm | $925 | $77 |
| Vermont Mutual | $1,011 | $84 |
| Plymouth Rock Insurance | $1,036 | $86 |
| Tennessee Farmers | $1,040 | $87 |
| Nationwide | $1,065 | $89 |
When comparing quotes, the car you insure significantly determines the cost of your Volkswagen insurance premiums. Though not considered a luxury brand, several of the Volkswagen cars have average annual full coverage premium rates over the national average.
For instance, compared to the Volkswagen Golf SportWagen, which comes significantly below the national average, the annual full coverage premiums for the Volkswagen Beetle and Volkswagen Golf R are higher than the national average.
Golf SportWagen is the cheapest VW car to insure. The average annual insurance rate for the car model is $768. The cheapest insurer for the car model is Erie. The average monthly rate offered by the carrier is $61. More insurers with cheap Golf SportWagen insurance rates are featured in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Erie | $733 | $61 |
| Progressive | $734 | $61 |
| State Farm | $739 | $62 |
| Texas Farm Bureau | $777 | $65 |
| USAA | $856 | $71 |
| Vermont Mutual | $893 | $74 |
| American Family | $994 | $83 |
| Acuity | $1,065 | $89 |
| Mercury | $1,121 | $93 |
The average annual Golf GTI insurance rate is $840. The cheapest average rate for the car model is $752 per year, offered by Progressive. Go through more cheap rates offered by leading insurers in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Progressive | $752 | $63 |
| Erie | $771 | $64 |
| Texas Farm Bureau | $831 | $69 |
| USAA | $852 | $71 |
| State Farm | $880 | $73 |
| Vermont Mutual | $1,063 | $89 |
| Plymouth Rock Insurance | $1,063 | $89 |
| Tennessee Farmers | $1,096 | $91 |
| Nationwide | $1,131 | $94 |
| Acuity | $1,135 | $95 |
Erie is the cheapest insurer for the Volkswagen Jetta. The average annual premium offered by the provider is $770, while the overall average for the car model is $1,536. Cheap monthly rates are available, ranging between $64 and $93. The table below gives the average annual and monthly rates offered by respective insurance providers.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Erie | $770 | $64 |
| Texas Farm Bureau | $786 | $65 |
| USAA | $790 | $66 |
| Allstate | $881 | $73 |
| Progressive | $888 | $74 |
| State Farm | $907 | $76 |
| Tennessee Farmers | $942 | $78 |
| Vermont Mutual | $964 | $80 |
| American Family | $1,046 | $87 |
| Plymouth Rock Insurance | $1,117 | $93 |
A Volkswagen Beetle insurance rate costs you $1,536 on average, per year. While Progressive offers the lowest insurance rate of $743, more carriers such as Erie, USAA, Texas Farm Bureau, etc., also offer cheap rates. Find the average rates by respective insurers in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Progressive | $743 | $62 |
| Erie | $824 | $69 |
| USAA | $844 | $70 |
| Texas Farm Bureau | $882 | $73 |
| State Farm | $917 | $76 |
| Vermont Mutual | $967 | $81 |
| Tennessee Farmers | $1,002 | $83 |
| Nationwide | $1,016 | $85 |
| Plymouth Rock Insurance | $1,025 | $85 |
| American Family | $1,067 | $89 |
With an average annual rate of $1,668, the Golf R is the Volkswagen model with the highest insurance rate, according to our research. The cheapest insurance for the Golf R is Erie, which offers an annual average premium of $999. Go through the table below for more cheap insurance rates from the best insurers.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Erie | $999 | $83 |
| Plymouth Rock Insurance | $1,019 | $85 |
| Progressive | $1,060 | $88 |
| Texas Farm Bureau | $1,103 | $92 |
| Mercury | $1,133 | $94 |
| USAA | $1,183 | $99 |
| Vermont Mutual | $1,187 | $99 |
| Acuity | $1,212 | $101 |
| Tennessee Farmers | $1,220 | $102 |
| Country | $1,384 | $115 |
Shop around frequently: The Volkswagen car insurance rates change each year. As the car age goes up, the insurance rates go down. Hence, the carriers revise the insurance rates annually. Therefore, check the premium rates for the required coverage every year.
Compare Quotes Across Insurers: Various insurers offer Volkswagen insurance quotes, based on their own calculations. Though the parameters considered are the same, the weightage varies. Hence, the Volkswagen insurance rates also vary across insurers. So, compare the insurance rate for your Volkswagen with multiple insurers. Use platforms such as the Way app and choose the best one for your car.
Bundle Policies: If you own multiple policies from the same carrier, such as home or other motor insurance, then bundle these policies with Volkswagen insurance and get a discount rate for all.
Increase Deductibles: Insurers might be reluctant to offer sufficient coverage for older cars, due to the depreciation in car value. In such a scenario, the comprehensive and collision coverages might not be sufficient to cover the subsequent repair or replacement. In such a case, provided you have a claim-free driving record, raise the deductibles of your car. This could lower the Volkswagen auto insurance cost.
Maintain a Good Driving History: Your driving history definitely affects your insurance rates. Always maintain a clean driving record. Any incidents of DUI, speed tickets, or accidents might lead to a sharp spike in your Volkswagen auto insurance cost.
Personalized estimates from the Way app can help you get accurate insurance quotes. Still, our information can also assist you in determining where to start your search for Volkswagen insurance. You can also compare the premiums rather than getting insurance quotations from several insurers' websites.
It would be excellent if you did extensive research to find various dependable insurers from whom you could obtain affordable insurance estimates. However, we can help you by providing a list of local insurers who can provide you with reasonable prices based on factors you might change. Visit our insurance quote page to get started.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Volkswagen insurance costs are typically moderate, at $1,596 per year for a full coverage policy. However, your premiums may vary depending on the model, the insurance company you select, and additional factors like your driving record and where you live.
No. Volkswagen Jetta insurance is not so expensive when compared to models like the Beetle or Golf R. The average annual premium for the car model is $1,536.
Yes. It is considered a sports car. So, insurers feel this car has a higher risk. Sports cars are made for speed; insurance companies link them to higher claims. However, the insurance rate for the older models can be lower compared to the newer models.
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