Volkswagen CC Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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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.

U.S. average auto insurance rates for a Volkswagen CC are $1,216 annually for full coverage insurance. Comprehensive costs on average $228 a year, collision costs $356, and liability costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing around $2,626. Teen drivers pay the highest rates at $4,722 a year or more.

Average premium for full coverage: $1,216

Price estimates by individual coverage:

Comprehensive $228
Collision $356
Liability $474

Price estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and CC trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Volkswagen CC insurance prices go from as cheap as $522 for basic liability insurance to a high of $2,626 for high-risk insurance.

Liability Only $522
Full Coverage $1,216
High Risk $2,626

Geographic Price Range

Where you live can have significant affects on insurance rates. Rural areas have fewer physical damage claims than larger metro areas.

The diagram below illustrates how rural and urban location affects car insurance rates.

Rural Areas $912
Small Cities $1,277
Large Cities $1,642

The ranges above illustrate why it is important to compare prices based on a specific location and their own personal driving habits, instead of using price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

The chart below illustrates estimated Volkswagen CC insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $716
  • Using higher $1,000 deductibles will save around $1,084 each year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,216
  • Choosing low $100 deductibles for physical damage coverage will cost $1,472
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,626 or more
  • The price with full coverage for a teen driver may cost $4,722 or more

View Chart as Image

Volkswagen CC insurance cost comparison chart
Column chart showing full coverage Volkswagen CC insurance rates range from $716 to $4,722

Car insurance prices for a Volkswagen CC are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 128% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $390 every year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Volkswagen CC insurance prices. A driver around age 40 might see prices as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,640 on average in Michigan, New York, and Florida.

Volkswagen CC Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,100 -$116 -9.5%
Alaska $932 -$284 -23.4%
Arizona $1,008 -$208 -17.1%
Arkansas $1,216 -$0 0.0%
California $1,386 $170 14.0%
Colorado $1,162 -$54 -4.4%
Connecticut $1,250 $34 2.8%
Delaware $1,376 $160 13.2%
Florida $1,522 $306 25.2%
Georgia $1,120 -$96 -7.9%
Hawaii $874 -$342 -28.1%
Idaho $822 -$394 -32.4%
Illinois $906 -$310 -25.5%
Indiana $914 -$302 -24.8%
Iowa $820 -$396 -32.6%
Kansas $1,156 -$60 -4.9%
Kentucky $1,658 $442 36.3%
Louisiana $1,800 $584 48.0%
Maine $750 -$466 -38.3%
Maryland $1,002 -$214 -17.6%
Massachusetts $972 -$244 -20.1%
Michigan $2,112 $896 73.7%
Minnesota $1,016 -$200 -16.4%
Mississippi $1,454 $238 19.6%
Missouri $1,078 -$138 -11.3%
Montana $1,304 $88 7.2%
Nebraska $958 -$258 -21.2%
Nevada $1,460 $244 20.1%
New Hampshire $874 -$342 -28.1%
New Jersey $1,358 $142 11.7%
New Mexico $1,078 -$138 -11.3%
New York $1,280 $64 5.3%
North Carolina $700 -$516 -42.4%
North Dakota $996 -$220 -18.1%
Ohio $840 -$376 -30.9%
Oklahoma $1,250 $34 2.8%
Oregon $1,112 -$104 -8.6%
Pennsylvania $1,162 -$54 -4.4%
Rhode Island $1,620 $404 33.2%
South Carolina $1,100 -$116 -9.5%
South Dakota $1,026 -$190 -15.6%
Tennessee $1,066 -$150 -12.3%
Texas $1,464 $248 20.4%
Utah $900 -$316 -26.0%
Vermont $834 -$382 -31.4%
Virginia $728 -$488 -40.1%
Washington $940 -$276 -22.7%
West Virginia $1,112 -$104 -8.6%
Wisconsin $842 -$374 -30.8%
Wyoming $1,084 -$132 -10.9%

View Chart as Image

Volkswagen CC insurance rates by U.S. city

Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes and see which company has the best price. Each insurance company uses a different rate calculation, so rate quotes may be quite different between companies.

Insurance Rates by Trim Level and Model Year

Volkswagen CC Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volkswagen CC Sport 4-Dr Coupe $1,140 $95
Volkswagen CC Luxury 4-Dr Coupe $1,192 $99
Volkswagen CC VR6 Sport 4-Dr Coupe $1,242 $104
Volkswagen CC VR6 Motion 4-Dr Coupe $1,266 $106

Rates assume 2013 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.

Volkswagen CC Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2013 Volkswagen CC $228 $356 $474 $1,216

Rates are averaged for all Volkswagen CC models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Cheaper Volkswagen CC Insurance

Getting lower rates on car insurance requires avoiding accidents and claims, having a good credit score, not filing small claims, and maximizing policy discounts. Set aside time to shop around every couple of years by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a condensed summary of the material that was raised in the charts and tables above.

  • Policyholders who require increased liability limits will pay about $520 annually to increase from a low limit to higher 250/500 limits
  • Drivers under the age of 20 are expensive to insure, as much as $394 a month if comprehensive and collision insurance is included
  • Higher risk drivers with multiple at-fault accidents may pay on average $1,410 more each year to insure a Volkswagen CC
  • Increasing physical damage deductibles could save up to $400 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.

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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.

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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.

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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.

Rates by Driver Age

Volkswagen CC Insurance Rates by Driver Age
Driver Age Premium
16 $4,722
20 $2,790
30 $1,252
40 $1,216
50 $1,114
60 $1,092

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen CC Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,472
$250 $1,354
$500 $1,216
$1,000 $1,084

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen CC Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,216
50/100 $1,361
100/300 $1,479
250/500 $1,787
100 CSL $1,408
300 CSL $1,669
500 CSL $1,859

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen CC Insurance Rates for High Risk Drivers
Age Premium
16 $6,696
20 $4,448
30 $2,664
40 $2,626
50 $2,508
60 $2,484

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $167

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $63
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $78
Paid in Full/EFT $50
Advance Quote $57
Online Quote $85
Total Discounts $500
Rate after discounts $716

Discounts are estimated and may not be available from every company or in every state.

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