Volkswagen insurance rates

What to expect when insuring a Volkswagen, and the insurers that could cover you.

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Since the very first two Beetle cars appeared in the UK back in 1952, Volkswagen has been churning out memorable models, including its unforgettable camper van of the 1960s. Today, VW – as it’s more commonly known – still enjoys a cult following in the UK. Two models – the Volkswagen Golf and the Volkswagen Polo – made it to the top 10 best-selling cars list in 2017. Here’s how to cover yours.

What’s the average insurance cost for a Volkswagen?

The insurance cost for a Volkswagen varies greatly depending on the model you select and your own circumstances. We ran quotes using a Volkswagen Golf, the UK’s second most popular model, and found that the average annual insurance cost was £771 or £95 a month. This is for fully comprehensive cover and no optional extras.

Your premium can vary considerably to this, depending on which Volkswagen model you have, your driving experience, annual mileage and other factors.

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, replacement costs and overall damage susceptibility.

Volkswagen models are generally known for being reliable cars with tight handling. They typically garner strong safety ratings, which helps to lower insurance premiums. However some models, especially the Golf, is more popular with criminals, which could push insurance premiums up.

Other factors that affect the cost of insurance include the model, mileage and trim package. Personal factors like your driving history and age also affect your premium.

Are there any standout models?

Back in the mid 70s, Volkswagen unleashed the Golf GTI, an altogether sportier and faster version of the Golf, showing the world how to do affordable, reliable and top performance in one car. Now in its seventh generation, this iconic car is still a big hit. Alloy wheels, lowered sports-like suspension and leather steering grace the latest model, with prices starting at £28,465.

Pros and cons of insuring a Volkswagen


  • Moderately priced
  • Most models have great safety ratings
  • Reliable brand


  • Some models have high theft rates, including the VW Golf

About the Volkswagen brand

Germany-based Volkswagen was founded in 1937, and its mission was to create a car that was affordable and efficient. When Beetles started to appear in the UK in 1952, after British servicemen arrived back home from Germany with their cars, the VW vision started to gain momentum. The following year in 1953, just under 1,000 cars had been sold in the UK. And the rest is history.

In 2014, Volkswagen vehicles were found to emit higher levels of nitrogen oxides than was reported in official environmental standards tests in the US. As a result, Volkswagen’s diesel emissions 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 US dollars in penalties and civil settlements and has been working hard to shake off the dent in its reputation.

Volkswagen car facts

  • Volkswagen sells cars with a wide spectrum of prices, from the smallest VW Up! priced at £9,600 to the high-end New Touareg starting from £48,995.
  • Volkswagen models have scored extremely high safety ratings from the European New Car Assessment Programme (Euro NCAP), regularly getting the maximum 5-star rating.
  • The VW Golf has taken the top spot for World Car of the Year twice, 2009 and 2013. The VW Polo was crowned the winner in 2010 and VW’s smallest model, the VW Up! won in 2012.
  • The VW Golf took third place for the world’s most popular car in 2017. At the time of writing in September 2018, more than 34 million have been sold.
  • Other Volkswagen models fair well in sales across the world. The VW Tiguan was 8th, the VW Passat/Magotan came 10th place, the VW Bora/Jetta/Sagitar/Vento took 18th place and the VW Polo sat in 19th place for the world’s best selling cars list of 2017.
  • You may want more than just third party cover for Volkswagen, especially if it’s more likely to be targeted by criminals. Expanding your protection to third party fire and theft or comprehensive cover might be a better fit for your needs.

Bottom line

You may find reasonably priced car insurance for your VW, unless it’s a popular target with thieves, which could mean your premium rises. But be sure to shop around to find the best car insurance for you.

Other car brands you might want to see rates for include:

Frequently asked questions about Volkswagen

*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

The offers compared on this page are chosen from a range of products whose details Finder has access to track; they don't represent all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The terms "best", "top", "cheap" (and variations) are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

*51% of consumers could save £200. Quote aggregator Seopa split the insurers on its comparison systems into different categories. It then selected quotes from the most popular providers as well as quotes from other providers which returned a price. It then selected providers, weighting them according to UK insurance market share (data from the Association of British Insurers), choosing the cheapest of either the most popular providers or other providers ("the cheapest selected quote"). Seopa then compared the cheapest quote on its system against this "cheapest selected" quote. The company then took the savings figure which 51% or over could have saved, using that formula. The savings you could achieve will depend on your individual circumstances and how you selected your current insurance supplier.

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