Volkswagen insurance rates

Average insurance cost for a Volkswagen

The average insurance cost of a Volkswagen is around $275 a month or $3,300 a year, depending on the model. Most Volkswagen cars have a high cost-to-base car price ratio, but some VWs are cheaper to insure than others. For example, with a $29,795 price tag and annual insurance rates of $3,366, the popular VW Tiguan has a cost–to–base car price ratio of 11.3%, while the Golf falls somewhat higher at 13.6%.

Compare free car insurance quotes online for your VW

1 - 4 of 4

Sort by:

Name	Product	Accident Forgiveness	Min. Liability Coverage	Discounts Available	Online Claims	Available Provinces
Surex Auto Insurance		Yes	$1,000,000	Up to 25%		Alberta, New Brunswick, Newfoundland, Northwest Territories, Nova Scotia, Nunavut, Ontario, PEI, Yukon	Submit one application and receive quotes from 10+ insurers. Save up to 25% on your car insurance, plus get access to an insurance advisor. Who it might be good for: Drivers looking to use an insurance broker to compare multiple pricing and coverage options.	Get a quote More Info	Compare	loading Fetching your data...
Onlia Car Insurance		Yes	$1,000,000	Over $500*		Ontario	Get premium auto insurance coverage with Onlia. Save money on your auto insurance through safe driving discounts and bundling insurance options. Who it might be good for: Drivers in Ontario looking to save on insurance costs by driving safely.	Get a quote More Info	Compare	loading Fetching your data...
Aviva Car Insurance		Yes	$1,000,000	Up to 25%		Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon	Aviva car insurance offers customizable policies, discounts and optional insurance coverage add-ons. Get a free quote through Surex. Who it might be good for: Drivers looking to customize their auto policy.	Get a quote More Info	Compare	loading Fetching your data...
Travelers Car Insurance		Yes	$1,000,000	Up to 25%		Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon	Travelers auto insurance offers a selection of coverage options for just about any type of vehicle. Get a free quote through Surex. Who it might be good for: Drivers looking to get car, motorcycle, classic car, motorhome or recreational vehicle coverage.	Get a quote More Info	Compare	loading Fetching your data...

loading

CompareClear

How to compare Volkswagen car insurance

Insurance companies look at several car-related factors when determining the cost of insurance, including the car’s safety ratings, its likelihood of being stolen, and replacement costs and overall damage susceptibility.

Volkswagen vehicles are known as reliable rides with tight handling. They typically garner strong safety ratings, which helps to lower insurance premiums.

Other factors that affect the cost of insurance include the model, mileage and trim package. Personal factors like your driving history, credit score and age also play roles.

20+ car insurance discounts to lower your premiums

Pros and cons of getting car insuring for a Volkswagen

Volkswagen car facts

• Germany-based Volkswagen was founded in 1937, and its mission was to create a car that was affordable and efficient.
• The iconic Beetle was introduced in 1959, catapulting VW to the number 1 auto import in the US. Though the last beetle was manufactured in 2019, fans of the Bug will still be collecting this classic for ages.
• Volkswagen sells cars with a wide spectrum of prices, from the budget-priced Jetta (2021 MSRP $21,595) to the high-end Arteon (2021 MSRP $52,995 ).
• Volkswagen vehicles score highly on safety, which means they’re involved in fewer accidents and fewer claims. They’re also stolen relatively infrequently compared to other car brands. These factors lower insurance premiums overall.
• VW new car tech is designed to give drivers control of every aspect of the ride. Volkswagen’s modular car design allows for cars to be customized from thousands of different combinations while sharing common car parts.
• VWs feature elements like its driving profiles, which let you choose from normal, comfort or sport settings depending on your driving preference, as well as connected cars that let you connect to your car from your smartphone app.

What’s Dieselgate?

In 2014, Volkswagen vehicles were found to emit higher levels of nitrogen oxides than was reported in official environmental standards tests. Dubbed “Dieselgate” by the media, the manufacturer was found to have installed software in its engines to circumvent proper emissions testing. VW later recalled millions of vehicles worldwide, on top of paying billions of dollars in penalties and civil settlements plus the immeasurable loss of brand trust.

Are there any standout VW models?

The Atlas is VW’s first vehicle with third row seating. Fold down the second and third rows and access 96.8 cubic feet of cargo space, or load up the car with up to six passengers. Choose from several trim packages and get features like adaptive cruise control, three-zone climate control and a remote power liftgate. Prices start at $40,095.

Bottom line

You’re likely to find reasonably priced car insurance for your VW, barring any personal factors like a bad driving record or poor credit. But be sure to shop around to find the best car insurance for you.

Frequently asked questions about VW insurance

• Are Volkswagens still made in Germany?

  Yes, but VW cars are also manufactured in the US, Mexico and other locations around the globe.

• Are VWs safe?

  Yes, Volkswagens do well in industry-standard safety tests. The Insurance Institute for Highway Safety (IIHS) named the Volkswagen Golf as a Top Safety Pick car, meaning that all crash tests the IIHS performed on this vehicle received the highest possible ratings.

  Models may come equipped with advanced safety features such as lane departure warnings, an automatic post collision braking system and blind spot monitoring (exact features that come with your vehicle may vary – speak with a Volkswagen dealer for more information).

• What car-related factors affect the cost of insurance?

  A car’s safety record, the cost to repair and maintain the car and the car’s likelihood of being stolen all can affect the cost of car insurance.

• Can I finance a VW directly through an authorized dealership?

  Yes, VW offers in-house financing through Volkswagen Credit. You might be able to qualify for special discounts and rates if you choose this option.