Volkswagen insurance rates

Volkswagen Arteon

Volkswagen Atlas

Volkswagen Beetle

Volkswagen CC

Volkswagen Golf

Volkswagen GTI

Volkswagen Jetta

Volkswagen ID Crozz

Volkswagen Passat

Volkswagen Tiguan

Volkswagen Touareg

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. Filter car insurance companies by your state to get a quote.

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Name	Product	Gap insurance	Homeowner discount	Telematics	Has an app?	Available states
Smartfinancial			Yes	Yes	No	All 50 states and DC	Get quotes	Compare	loading Fetching your data...
Pretected		Yes	Depends on provider	No	No	All 50 states	Get your most compatible insurance options via a "smart matching" method aimed at finding you value.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Yes	Yes	RightTrack	Yes	All 50 states & DC	Earn free accident forgiveness after five years claims-free and customize your policy anytime.	Get quotes More Info	Compare	loading Fetching your data...
Quinstreet - Insure.com		Yes	Depends on provider	Depends on provider	Depends on provider	All 50 states	Get quotes	Compare	loading Fetching your data...

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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.

Pros and cons of insuring 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 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.

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

• How did you get these rates?

  To determine our estimated cost, we aggregated quotes from insurance companies using this profile:

  • 2018 Volkswagen
  • 10,001–15,000 miles driven yearly
  • No accidents in the past five years
  • Anti-theft device on vehicle
  • Driver located in New York
  • Good credit

• Are Volkswagens still made in Germany?

  Yes. But they are also manufactured in the US, Mexico and other locations around the globe.

• Are VWs safe?

  Yes, Volkswagens do well in safety tests.

• 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. Read our review of Volkswagen Credit to learn more.