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Volkswagen ID Crozz car insurance

This new electric SUV offers a unique look with an affordable price tag and insurance rates.

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The 2020 ID Crozz is the first electric vehicle in its new ID all-electric series. It’s considered a crossover SUV, though its design combines elements from both a sedan and a minivan to make it a unique vehicle.

You can expect insurance costs to be around $175 a month, or $2,100 a year. With a cost of close to $33,000, this gives it an annual cost-to-base ratio of slightly over 6%. This is slightly higher than the national average of 4%, mainly due to it being an electric vehicle. Filter car insurance companies by your state to get a quote.

  • Body type. The ID Crozz is considered to be a compact crossover SUV, which enjoys low insurance rates. It looks more like a sedan than other SUVs and also has the sliding rear doors of a minivan, though for insurance purposes it’s still considered an SUV.
  • Fuel. Electrics are more expensive to insure — but with an expected range of somewhere between 200 to 300 miles on one charge you’ll be able to go far without having to recharge. You’ll also be able to skip volatile gas prices, but repairing electric batteries can be expensive and lead to higher insurance rates.
  • Theft rates. Volkswagen enjoys lower-than-average theft rates across all its models in the US, which helps its insurance rates. Electric vehicles tend to have even lower theft rates than gas-powered vehicles, so expect low theft rates and lower insurance rates for the ID Crozz.
  • Maintenance. Maintenance costs for electric vehicles tend to be higher than for gas powered cars, so this could be a factor in your rates. Average annual costs for the ID Crozz’s gas-powered cousin, the Tiguan, are $730 according to Repair Pal’s website. Higher maintenance costs mean higher priced repairs, which increases insurance costs.
  • Coverage. The nearly $33,000 price tag should warrant both comprehensive and collision coverage on your vehicle, in addition to your liability and underinsured driver coverage.
  • Warranty. Volkswagen is following the warranty model set forth by its competitors on electric vehicles, with an 8-year, 100,000-mile warranty. Roadside assistance is usually included on basic Volkswagen warranties, though you should double-check this when the ID Crozz actually comes to the US.
  • Manufacturer offer. Volkswagen routinely offers cashback deals and low-APR offers on its new vehicles, allowing you to save even more money on this electric vehicle.
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Does the Volkswagen ID Crozz qualify for discounts?

The Volkswagen ID Crozz will qualify for certain vehicle discounts. But not all insurance companies offer the same discounts, and not all models share the same safety features.

  • Electric vehicle discount
  • Antilock brake discount
  • Antitheft discount
  • Active restraint discount
  • Passive restraint discount
  • Airbag discount
  • Seatbelt pretensioners

How reliable is the Volkswagen ID Crozz?

Official ratings on the ID Crozz won’t be released until after the vehicle has been on the market for at least several months. You can reasonably expect safety and reliability ratings to mimic Volkswagen’s gas-powered compact SUV, the Tiguan.

  • Safety. US News & World Report rates the 2019 Tiguan a 9.4 out of 10 for safety. The Tiguan also receives the Insurance Institute for Highway Safety’s (IIHS) 2019 Top Safety Pick+ award. This strong track record of safety should help the ID Crozz have lower insurance rates, though the exact rates will depend on its own safety ratings.
  • Reliability. J.D. Power gives the 2019 Tiguan 4 out of 5 stars for reliability, while Consumer Reports also gives it high marks. This reliability should translate to the ID Crozz, though the electric power does warrant a wait-and-see approach to reliability.
  • Recalls. In 2018 Volkswagen had to recall over 120,000 electric vehicles due to the presence of cadmium, a carcinogenic metal. You can expect the carmaker to get this right with the ID Crozz, though there is always the risk of a recall.

Bottom line

The 2020 ID Crozz is Volkswagen’s first model in its new electric car lineup. It’s a compact SUV with a unique design that is relatively affordable to insure. Electric vehicles have higher insurance, but Volkswagen’s strong safety and reliability track record will help overcome that.

Before putting insurance on your new vehicle, be sure to compare insurance companies for the ID Crozz, including one that might offer an electric vehicle discount.

Frequently asked questions about the Volkswagen ID Crozz.

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