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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.

Your premium can vary based on which Volkswagen model you have. For example, insurance for the GTI costs $156 a month on average, while insuring the Touareg costs $220 a month on average. For exact pricing, click on a specific Volkswagen model in the list below.

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How a vehicle from 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 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 t $30,750.

Pros and cons of insuring a Volkswagen

Pros

  • Good safety ratings
  • Low theft rates

Cons

  • There are not many cons to insuring a VW

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).
  • 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.

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.

Companies that provide coverage for Volkswagen

Most major insurers will cover your Volkswagen. However, prices may vary widely depending on which model you have. Compare insurers in the table below and check with your provider for more information.

Name Product Roadside assistance New car protection
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
Allstate
Included free
Yes, cars under 2 years old
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

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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.

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Frequently asked questions about VW

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