Volkswagen CC Insurance Rates

Is Volkswagen expensive to insure? The average cost of Volkswagen CC full coverage insurance is about $1,500 (CC doesn’t stand for concealed carry insurance or credit card insurance, so if you are looking for CC insurance meaning you won’t find it here). Paying prices like these can ruin a driver’s budget, so if you need clear data on Volkswagen CC insurance costs, you’ve come to the right place.

Our guide goes over average Volkswagen rates, how to get the cheapest insurance rates, safety ratings, and more. Want to start looking for Volkswagen CC insurance costs today? Enter your ZIP code in our free tool above.

Average insurance prices for a Volkswagen CC are $1,378 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $270, collision insurance costs $494, and liability costs $456. Buying just liability costs as little as $508 a year, and insurance for high-risk drivers costs $2,992 or more. 16-year-old drivers receive the highest rates at up to $5,240 a year.

Average premium for full coverage: $1,378

Rate estimates by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for different CC trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than congested cities. The price range example below illustrates how location impacts auto insurance prices.

These examples illustrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below illustrates average Volkswagen CC insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $793
• Drivers who choose higher $1,000 deductibles will pay $174 each year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,378
• Buying more expensive low deductibles for comprehensive and collision insurance costs an extra $336 annually
• Drivers with multiple tickets or accidents could pay around $2,992
• The cost to insure a 16-year-old driver with full coverage can cost $5,240 a year

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Auto insurance rates for a Volkswagen CC can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your CC.

Opting for high physical damage deductibles could save up to $510 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance can cost from 44% to 129% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Volkswagen CC insurance prices. A 40-year-old driver could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,860 on average in Florida, New York, and Michigan.

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Insurance Rates by Trim Level and Model Year

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for More Affordable Volkswagen CC Insurance

Saving money on insurance for a Volkswagen CC not only requires avoiding accidents and violations, but also having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Spend time shopping around every couple of years by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The list below is a summary of the material that was touched on above.

• Insureds who purchase higher liability limits will pay around $500 annually to go from a minimum limit to a 250/500 level
• Teenagers have the highest car insurance rates, costing up to $437 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,610 more per year for car insurance
• Increasing deductibles could save as much as $500 each year

Getting insurance quotes is one of the best ways to save money on your Volkswagen auto insurance. It can also help you find out rates for multiple different vehicles and learn more about what determines the price of car insurance.

So if you want to know how much does it cost to insure a Volkswagen Polo, is a VW GTI expensive to insure, or are VW Jettas expensive to insure, start by getting quotes. Enter your ZIP code in our free tool below to get started.

Size and Class of the Volkswagen CC and Liability Insurance

Because liability insurance pays for other drivers’ injury bills and property damage bills after an accident you caused, the size and class of your vehicle will affect your rates. Vehicles that are larger or crash easily will have higher liability rates, as they are more likely to do damage to other vehicles and drivers.

The Volkswagen CC is a midsize luxury vehicle, which suggests that it won’t have high liability rates. Why? Midsize vehicles are still small, which means they aren’t likely to plow through most vehicles. And even though the Volkswagen CC is a luxury car, it is not a sportscar. This means that the engine won’t be as powerful.

While this may seem like a negative, cars with powerful engines have higher rates. Powerful engines mean fast acceleration and a tendency to speed, which can lead to crashes. This is why sportscars always cost more to insure.

Volkswagen CC and Liability Insurance Rates

Getting quotes is a great way to estimate how much liability insurance will cost for a Volkswagen CC. We pulled liability rates from a sample Geico quote for a 40-year-old male driver who has a clean record, owns his Volkswagen CC, and travels 13,000 miles a year.

The first set of rates you see below is for the bodily injury part of a liability policy. They are also for a six-month policy period, which you can pay in full or by the month.

• Low ($15,000/$30,000): $43.21
• Medium ($100,000/$200,000): $88.57
• High ($500,000/$500,000): $142.57

Bodily liability insurance is a little more expensive than average for a Volkswagen CC. It will cost you around $100 to upgrade from low to high coverage. The price increases for property damage liability, however, are lower than bodily injury liability coverage.

• Low ($5,000): $437.34
• Medium ($20,000): $466.69
• High ($100,000): $488.13

It costs about $51 to upgrade from low to high coverage, which only amounts to around $8 a month. This isn’t bad at all.

Volkswagen CC Safety Features and Ratings

Safety features serve a dual purpose for drivers. The most important purpose of safety features is that they both help prevent crashes and protect passengers in a crash. The other benefit of safety features is that insurers offer discounts for safety features in cars.

According to USNews, the 2016 Volkswagen CC has the following standard safety features:

• Driver Air Bag
• Passenger Air Bag
• Front Head Air Bag
• Rear Head Air Bag
• Front Side Air Bag
• 4-Wheel ABS
• 4-Wheel Disc Brakes
• Brake Assist
• Electronic Stability Control
• Daytime Running Lights
• Child Safety Locks
• Integrated Turn Signal Mirrors
• Traction Control
• Auto-Leveling Headlights

This list may seem long, but it is a little light on modern safety features, such as backup cameras, forward collision warning, parking assist, and more. Still, many of these features on the list will count towards a vehicle safety discount at your insurer.

Another factor that can earn you a discount is the crash test rating of your vehicle. The Insurance Institute for Highway Safety (IIHS) has performed crash tests on the 2017 Volkswagen CC. Take a look at how the Volkswagen CC did below.

• Small overlap front (driver-side): Marginal
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

Good is the highest rating, so all the crash tests went well except for the small overlap front crash test on the driver-side. Marginal is a poor rating, so this is something to think about when buying a Volkswagen CC. The video below shows one of the IIHS’s crash tests in action.

Having a safe car is a smart choice, as the IIHS’s 2018 data on crash fatalities for cars, pickups, and SUVs shows that cars have the highest fatality numbers.

For driver fatalities per million vehicles, there 48 car fatalities compared to only 34 pickup fatalities and 23 SUV fatalities. For occupant fatalities per million vehicles, there were 69 car fatalities compared to 42 pickup fatalities and 32 SUV fatalities.

These estimates were created from total fatalities: 13,138 for cars, 5,035 for SUVs, and 4,369 for pickups. Take a look at the list below for a crash type breakdown of the 13,138 car fatalities.

• Frontal Impact: 7,433 fatalities
• Side Impact: 3,568 fatalities
• Rear Impact: 834 fatalities
• Other (mostly rollovers): 1,303 fatalities

Getting a safe car can help prevent you from being seriously injured in a crash and being one of these statistics. So taking safety features seriously when you are looking to find which cars are cheapest to insure while car shopping is important.

Volkswagen CC Manufacturer Suggested Retail Price

The manufacturer suggested retail price (MSRP) is the price a manufacturer decides its car is worth. This price never changes, which is why insurers use the MSRP, rather than invoice price or fair market price, to help set the rates for collision and comprehensive coverage.

These two coverages pay for your vehicle repairs after an accident, so the MSRP gives insurers a rough idea of how much vehicle repairs and replacement will cost. For instance, if the MSRP is high, it means that replacement parts will be expensive.

According to Kelley Blue Book (KBB), average prices for a 2017 Volkswagen CC are:

• Typical Listing Price: $16,210
• Fair Purchase Price: $15,573
• Fair Market Range: $14,374 to $16,771

While there is no listed MSRP (because the Volkswagen CC is older), the MSRP is usually a few thousand dollars more than the typical listing price. Because the price for the 2017 Volkswagen is average, you should probably have normal collision and comprehensive rates.

Volkswagen CC Repair Costs

How much does it cost to maintain a Volkswagen CC? When you shop for a new car, you need to make sure that it won’t be breaking down frequently or need expensive repairs. Otherwise, owning a Volkswagen CC could cost more than expected.

Unfortunately, RepairPal’s reliability rating for the Volkswagen CC was only 2.5 out of 5, which is poor. The average annual maintenance cost for the Volkswagen CC is $880, which is double the average maintenance cost for midsize cars ($526).

Another reason you should care about repair costs is that insurers use repair costs to help them calculate the risk of insuring your Volkswagen CC. If it is expensive to repair a Volkswagen CC, rates will go up.

We hope our guide helped you better understand Volkswagen CC rates. Luckily, you can help keep Volkswagen CC rates cheap by shopping around for insurance and learning what car is the most expensive to insure and what’s the cheapest car to insure.

If you are ready to start comparing rates after reading our guide to Volkswagen CC insurance costs, enter your ZIP code in our free tool to find out which car insurance company is cheapest.