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Key Takeaways

  • Older Volkswagens that aren’t leased or financed cost less to fix or replace than current models and hence have lesser insurance premiums.
  • Your car’s model impacts your insurance costs. Insurance typically costs more if you buy an expensive car.

The History of Volkswagen

Volkswagen is a German automaker with its headquarters in Wolfsburg, Lower Saxony, Germany. Also famous as VW, the carmaker got established by the German Labour Front established in 1937.

The German automaker is well famed for its iconic 1949 Beetle. Though VW Golf replaced the Beetle’s prominent position in 1974, the car was marketed in the US until 1985 as VW Rabbit.

Volkswagen now features various cars like the Jetta, Tiguan, Taos, Passat, and Arteon while pushing the boundaries of EV engineering. A car’s worth also influences the cost of auto insurance.

Volkswagen cars are an excellent option because they often have lower insurance premiums than other cars that are more expensive to replace or repair. Even though they are valued higher than usual, the insurance premiums don’t rise significantly even though the cars have many security and safety measures.

It’s important to buy the proper level of Volkswagen insurance to safeguard your car from theft or damage brought on by traffic accidents. However, your Volkswagen insurance premiums may vary depending on your Volkswagen’s make, model, and market value.

So, always have thorough research to find out the cheapest car insurance for Volkswagen.

Our review gives a detailed look into the average cost of auto insurance for Volkswagen cars and how it stacks up against other automakers.

How much does it cost to insure a Volkswagen?

Buying a Volkswagen insurance will cost you $1,686 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 make and model of the Volkswagen car you own also determines the insurance premium you pay.

Volkswagen insurance is typically less expensive for cars considered safer and has great security measures. The Volkswagen Jetta, Golf, and Tiguan are among the models that received favorable safety evaluations from the Insurance Institute for Highway Safety (IIHS).

Factors affecting insurance rates

Safety features: Air bags, blind-spot monitoring, park assist systems, and Intelligent Crash Response System are some of the typical and available safety features of Volkswagen cars.

Cost of components: Although a German brand, VW cars are made worldwide. The cost of parts will probably be greater than domestically-built vehicles because most car manufacturing occurs in other countries.

Stats on crash rates by make and model: Except for the Volkswagen Beetle, Volkswagen cars often earn good safety ratings from the Insurance Institute for Highway Safety (IIHS). Also, the VW ID.4 mid-size SUV was a 2022 IIHS Top Safety Pick, a factor that may contribute to you paying lower premiums.

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Car insurance for a Volkswagen

Comparing prices between different models and insurers is one approach for getting the most affordable premiums for Volkswagen insurance. The miles you drive yearly and the coverage options could impact the cost of your Volkswagen insurance, among other factors. Most states allow this information to be taken into account when calculating rates. However, a small number of states have banned the use of gender and credit-based insurance scores.

Car insurance for Volkswagen by make and model

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 Tiguan, which comes in significantly below the national average, the annual full coverage premiums for the Volkswagen Passat and Volkswagen Jetta are higher than the national average.

Model Average Annual Premium (full coverage) Average Annual Premium (minimum coverage)
Volkswagen Beetle $1,696 $485
Volkswagen Jetta $1,690 $527
Volkswagen Passat $1,721 $503
Volkswagen Atlas $1,588 $502
Volkswagen GTI $1,696 $474
Volkswagen Tiguan $1,490 $492

Cheapest car insurance companies for Volkswagen cars

Comparing quotes from different insurers is one way to find the cheapest deal on auto insurance prices. Below are the most affordable insurers’ auto insurance rates for different VW models.

Insurer Volkswagen Beetle Volkswagen Jetta Volkswagen Passat Volkswagen Atlas Volkswagen GTI Volkswagen Tiguan
Amica $1,336 $1,348 $1,344 $1,276 $1,251 $1,205
Erie $1,360 $1,232 $1,427 $1,362 $1,151 $1,110
State Farm $1,417 $1,482 $1,515 $1,366 $1,340 $1,337
USAA $1,153 $1,122 $1,236 $1,210 $1,360 $1,162

Volkswagen features that impact auto insurance costs

The standard and optional features of various Volkswagen car models may help you lower auto insurance premiums. You may qualify for many discounts from major insurers if you drive a car with advanced safety features. These can be some features that could lower your Volkswagen insurance premiums.

Blind-spot monitoring: It is a standard feature on some Volkswagen cars, including the Passat. This feature is especially beneficial when changing lanes because it warns you if another car is in your blind spot.

Electronic stability control: Some Volkswagen cars have it as a standard feature. This safety feature helps you regain your car’s control when it starts deviating from its intended path.

Driver-assist: It is an add-on safety package provided by Volkswagen on cars like Jetta and other models. It provides various rear traffic alerts and front and light assist alerts.

Minimum coverage vs. Full-coverage for your Volkswagen

Minimum liability coverage

You must obtain a minimum amount of liability insurance before driving in the majority of states. Driving without legal car insurance is illegal in 48 out of the 50 states. The following are common state liability requirements.

Coverage type Protection you get
Bodily injury liability (each accident and person) It covers the expenses incurred due to the damage you have caused to others.
Property damage liability (each accident) It covers the expenses acquired due to any harm you cause to another person’s property or vehicle.

Some states also mandate uninsured/underinsured motorist coverage to pay for damages if you get involved in a collision with one of these drivers. In addition, if you reside in a no-fault state, your state can mandate personal injury protection (PIP) to cover your medical bills.

Full-coverage

Coverage type Protection you get
Comprehensive coverage It offers coverage for the expense of damages caused by incidents other than collisions, such as weather conditions, theft, or vandalism.
Collision coverage It covers the expenses incurred in collisions with other objects or vehicles.

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Other car insurance coverage for your Volkswagen car

Volkswagen owners are responsible for obtaining a minimum level of auto insurance, just like other drivers, to abide by state regulations and fulfill insurance minimums.

You need to buy a minimum level of liability insurance, or there must be alternative no-fault standards, such as PIP or underinsured motorist coverage. Volkswagen owners may also want to add collision and comprehensive coverage and comply with legal requirements.

There are additional coverage choices that can be useful. For instance, roadside assistance could help if your car breaks down after an accident or while driving because of a flat tire or a dead battery. Another common insurance option is rental car reimbursement because it pays for a rental car if your car requires repair or replacement after an accident.

Volkswagen gap insurance could be another choice if you financed your car. Volkswagen gap insurance pays the difference if the car gets totaled in an accident between what is still owing and the actual cash value (ACV) that the insurer will pay out.

What is the cheapest Volkswagen insurance?

With an average annual insurance cost of $1,490, Volkswagen Tiguan has the lowest Volkswagen auto insurance rates for 2022 models. As per our list, Volkswagen Taos comes in second with an average annual insurance cost of $1,588.

Cheapest Volkswagen cars to insure for 2022

  • Volkswagen Tiguan - $1,490
  • Volkswagen Atlas - $1,588
  • Volkswagen Jetta - $1,690
  • Volkswagen Beetle - $1,696
  • Volkswagen GTI - $1,696

What impacts your insurance costs for Volkswagen

Your VW trim level: In addition to the model, you can select a trim level, a version of that model that comes with a particular set of standard equipment.

To switch from rear-wheel drive to all-wheel drive, you may occasionally need to upgrade to a higher model. Be prepared to shell out extra dollars for your insurance if you select a more expensive trim.

In addition, you might need to buy specialized coverage choices, like sound system coverage, if you choose aftermarket installations like a cutting-edge sound system.

Your insurer: The Volkswagen insurance rates for the same car differs with various insurers. So, getting multiple quotes from insurers and buying a policy is always good.

Your age: Irrespective of the state, teenagers always pay the most for an auto insurance policy as they’re considered high-risk drivers. Your insurance policy rates start decreasing as your age increases, and you become a low-risk driver.

Your driving record: Be ready to pay higher insurance premiums if you’re a driver with a history of moving offenses, such as DUIs, traffic violations, and accidents where they were at fault. Taking a defensive driving course may lower your insurance premiums.

How to get Volkswagen Insurance with Way.com

Personalized estimates from Way.com 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. Use this quick, cost-free, and simple method to find the most affordable deal.

It will be excellent if you do 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.

Auto Insurance Data Methodology

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

FAQ

Is Volkswagen expensive to insure?

Volkswagen insurance typically costs a little more than the national average, which is $1,686 for a full coverage policy per year. 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.

Is a Volkswagen Jetta expensive to insure?

No. Volkswagen Jetta insurance is inexpensive compared to other models like the Beetle or Passat. Full coverage on Volkswagen Jetta insurance will cost you an average annual premium of $1,690.

Is a Golf GTI considered a sports car by insurance?

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. So, insurance companies increase their rates to protect themselves.

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