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Volkswagen insurance rates

What to expect when insuring a Volkswagen

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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.

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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

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 car facts

  • 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.
  • You may want more than minimum liability coverage for your VW, expanding your protection through comprehensive coverage.

Companies car insurance for your Volkswagen

Name Product Roadside assistance New car protection Available states
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Optional
Yes, cars under 1 year old & 15,000 miles
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.

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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 Volkswagen

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