Volkswagen insurance rates

VWs are relatively expensive to insure for their cost

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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.

  • Pay by miles driven
  • Low base rates
  • Drive less, pay less

Our top pick: Metromile

Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.

  • Rates from $29/month plus pennies per mile
  • Low-mileage drivers could save $611/year
  • All miles over 250 a day are free
  • Easy app and online claims plus 24/7 support

Find your Volkswagen model

Compare VW insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
Motion Auto
Optional
No
AZ
Get instant coverage and track your driving over time to lower your rates.
State Farm
Optional
Yes
All 50 states
Get personalized, one-on-one support to build your policy with your local agent. Start your policy today at 877-745-0232.
Farmers
15%
All 50 states
Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.
Assurance
Optional
No
All states except AK, CA, DC, GA, HI, KY, LA, MA, MD, MI
Your broker is your one-stop shop for comparing any coverage you need.
Elephant
Optional
10%
IL, IN, MD, TN, TX, VA
An online-based brand with big discounts and 12-month rate locks.

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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.

VW 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

Pros and cons of insuring a Volkswagen

Pros

  • Good safety ratings
  • Low theft rates

Cons

  • Avoid diesel models

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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 one 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 ($17,895 starting MSRP) to the high-end Touareg ($49,495 starting MSRP). VW also offers direct financing to help pay for any VW model you like.
  • 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 $30,750.

Volkswagen competitors

Looking for other car brands? Find other car manufacturers that are similar to VW, or compare makes that are completely different.

Compare all car makes

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

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