Average insurance cost for a Volkswagen
The average insurance cost of a Volkswagen across all models is $190.64 a month, or $2,287.68 a year, depending on the model. Most Volkswagens have a high cost-to-base car price ratio, but some VWs are cheaper to insure than others. For example, with a $20,000 price tag and annual insurance rates of $2,640, the popular VW Beetle has a high cost–to–base car price ratio of 13%, while the Golf is only 5% with a lower insurance rate for its MSRP.
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How a Volkswagen affects the cost of 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.
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 $30,750.
Volkswagen car insurance rates by model
| Model | Monthly insurance rate | Base car price |
|---|---|---|
| Beetle | $220.00 | $19,995 |
| CC | $220.00 | $34,475 |
| Golf | $158.00 | $19,895 |
| Golf Alltrack | $220.00 | $25,850 |
| Golf R | $145.00 | $35,655 |
| Golf Sportwagen | $227.00 | $21,580 |
| GTI | $156.00 | $24,995 |
| Jetta | $159.00 | $17,895 |
| Passat | $220.00 | $22,440 |
| Tiguan | $152.00 | $24,995 |
| Touareg | $220.00 | $49,495 |
Companies car insurance for your Volkswagen
Pros and cons of insuring a Volkswagen
Pros
- Good safety ratings
- Low theft rates
Cons
- Avoid diesel models
About the Volkswagen brand
Germany-based Volkswagen was founded in 1937, and its mission was to create a car that was affordable and efficient. That vision exploded in full force as the Beetle was introduced in 1959, catapulting VW to the number-one auto import in the US.
In 2014, Volkswagen vehicles were found to emit higher levels of nitrogen oxides than was reported in official environmental standards tests. Thus Volkswagen’s “diesel dupe” scandal was uncovered: The manufacturer had 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.
Volkswagen competitors
Looking for other car brands? Find other car manufacturers that are similar to VW, or compare makes that are completely different.
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.
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Frequently asked questions about Volkswagen
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