Volkswagen Tiguan 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...

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UPDATED: Jun 6, 2023

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Volkswagen Tiguan insurance
How much is car insurance for a Volkswagen Tiguan? A  Volkswagen Tiguan insurance cost for a full coverage policy is $1,336 a year, or $111 a month. Our comprehensive guide goes over what factors affect VW Tiguan insurance rates, so read on to learn more about vehicle insurance.

Want to jump right into finding cheap Volkswagen Tiguan insurance rates? Enter your ZIP code in our free tool above.

Average insurance rates for a Volkswagen Tiguan are $1,220 a year including full coverage. Comprehensive insurance costs an estimated $250 each year, collision insurance costs $450, and liability coverage is $384. Buying just liability costs around $432 a year, and insurance for high-risk drivers costs $2,640 or more. Teenage drivers receive the highest rates at up to $4,582 a year.

Average premium for full coverage: $1,220

Rate estimates broken down by individual coverage type:

Comprehensive $250
Collision $450
Liability $384

These estimates include $500 physical damage deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and Tiguan models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as low as $432 for minimum levels of liability insurance to a high rate of $2,640 for a driver that may need high-risk insurance.

Liability Only $432
Full Coverage $1,220
High Risk $2,640

Price Range by Location

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates how location helps determine insurance prices.

Rural Areas $915
Small Cities $1,281
Large Cities $1,647

These examples highlight why all drivers should compare rates quotes for a targeted area and risk profile, rather than using average rates.

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.

Additional Rate Details

The chart below breaks down average Volkswagen Tiguan insurance rates for other coverage scenarios.

  • The best discount rate is $701
  • Raising to $1,000 deductibles will save approximately $160 every year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,220
  • Using low deductibles will cost an extra $308 each year
  • Unlucky drivers who are prone to accidents and violations could pay up to $2,640
  • The cost for full coverage for a teenage driver can cost as much as $4,582

View Chart as Image

Volkswagen Tiguan insurance cost comparison chart
Column chart showing Volkswagen Tiguan insurance prices range from $701 to $4,582 for full coverage

Auto insurance rates for a Volkswagen Tiguan can also vary considerably based on your driver profile, the model of your Tiguan, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $4,500 a year. View Rates by Age

Where you live also has a big influence on Volkswagen Tiguan insurance rates. A middle-age driver might find rates as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,740 on average in Louisiana, New York, and Michigan.

Volkswagen Tiguan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,100 -$120 -9.8%
Alaska $934 -$286 -23.4%
Arizona $1,008 -$212 -17.4%
Arkansas $1,220 -$0 0.0%
California $1,388 $168 13.8%
Colorado $1,162 -$58 -4.8%
Connecticut $1,250 $30 2.5%
Delaware $1,376 $156 12.8%
Florida $1,522 $302 24.8%
Georgia $1,126 -$94 -7.7%
Hawaii $874 -$346 -28.4%
Idaho $824 -$396 -32.5%
Illinois $906 -$314 -25.7%
Indiana $918 -$302 -24.8%
Iowa $822 -$398 -32.6%
Kansas $1,154 -$66 -5.4%
Kentucky $1,662 $442 36.2%
Louisiana $1,804 $584 47.9%
Maine $752 -$468 -38.4%
Maryland $1,004 -$216 -17.7%
Massachusetts $972 -$248 -20.3%
Michigan $2,112 $892 73.1%
Minnesota $1,020 -$200 -16.4%
Mississippi $1,458 $238 19.5%
Missouri $1,080 -$140 -11.5%
Montana $1,306 $86 7.0%
Nebraska $958 -$262 -21.5%
Nevada $1,458 $238 19.5%
New Hampshire $878 -$342 -28.0%
New Jersey $1,360 $140 11.5%
New Mexico $1,076 -$144 -11.8%
New York $1,282 $62 5.1%
North Carolina $700 -$520 -42.6%
North Dakota $998 -$222 -18.2%
Ohio $838 -$382 -31.3%
Oklahoma $1,250 $30 2.5%
Oregon $1,116 -$104 -8.5%
Pennsylvania $1,160 -$60 -4.9%
Rhode Island $1,624 $404 33.1%
South Carolina $1,106 -$114 -9.3%
South Dakota $1,028 -$192 -15.7%
Tennessee $1,066 -$154 -12.6%
Texas $1,468 $248 20.3%
Utah $900 -$320 -26.2%
Vermont $832 -$388 -31.8%
Virginia $730 -$490 -40.2%
Washington $938 -$282 -23.1%
West Virginia $1,116 -$104 -8.5%
Wisconsin $842 -$378 -31.0%
Wyoming $1,084 -$136 -11.1%

View Chart as Image

Volkswagen Tiguan insurance rates by U.S. city

Using high physical damage deductibles can reduce rates by up to $470 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $345 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,500 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 137% more than a normal policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Volkswagen Tiguan Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volkswagen Tiguan S 2WD $1,148 $96
Volkswagen Tiguan S 2WD $1,148 $96
Volkswagen Tiguan SE 4Motion AWD $1,220 $102
Volkswagen Tiguan SEL 4Motion AWD $1,290 $108

Rates assume 2018 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 Tiguan Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Volkswagen Tiguan $250 $450 $384 $1,220

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

How to Find Cheap Volkswagen Tiguan Insurance

Saving money on auto insurance consists of being a safe and courteous driver, having good credit, not filing small claims, and consideration of higher deductibles. Invest time comparing rates once a year by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

Below is a brief summary of the data that was covered in the charts and tables above.

  • You may be able to save approximately $150 per year just by quoting online in advance
  • Consumers who want higher levels of liability will pay an extra $420 per year to raise from a minimum limit to 250/500 limits
  • Teenage drivers are the costliest to insure, as much as $382 per month if they have full coverage
  • Drivers that tend to have accidents or serious violations may pay on average $1,420 more annually for auto insurance

Frequently Asked Questions

Is the VW Tiguan underpowered? It comes equipped with 184-horsepower 2.0-liter turbocharged four-cylinder engine which makes it great for around the town driving but not for anything more heavily performance driven.

Are Volkswagen Tiguans good cars? Car.com has them ranked in the middle of the pack for compact SUV ratings.

How long does the average Tiguan last? The life of the car depends on well you maintain and maintenance it.

As you can see, there are multiple factors that affect rates. If you need help finding cheap VW Tiguan insurance cost, use our free tool below. It will help you find everything from Volkswagen Tiguan 2018 cost of insurance to 2012 Volkswagen Tiguan cost of insurance.

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Read on to learn more about what determines the price of car insurance.

What are the safety ratings of the Volkswagen Tiguan?

The Volkswagen Tiguan has multiple safety features, which can reduce the cost of insurance:

  • 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
  • Blind Spot Monitor

Are you wondering how much does a Tiguan cost? This price tag will depend slightly on safety features. The cost of a VW Tiguan 2018 will be better than a 1990 model, as the 2018 Tiguan will have more safety features.

The Volkswagen Tiguan also has a great crash test rating from the Insurance Institute for Highway Safety (IIHS). It won a 2020 Top Safety Pick award from the IIHS for its following crash test ratings:

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

Good is the highest rating possible, so the Volkswagen Tiguan did great. The video below shows an example of one of the Volkswagen Tiguan crash tests.

Volkswagen Tiguan Compared Against Other Vehicles in the Same Class

The Volkswagen Tiguan is a midsize SUV, which means it isn’t likely to do serious damage to other vehicles. According to the IIHS, the Volkswagen Tiguan’s property damage liability losses and bodily injury liability losses are both substantially better than other midsize SUVs.

Take a look at the other midsize SUVs below to see how their rates compare.

Ready to start getting quotes to find out how much does a VW Tiguan cost to insure?
Whether you are looking for the insurance cost of a VW Tiguan 2018 or the insurance cost of a VW Tiguan 2017, getting quotes will help you discover which cars are cheapest to insure. To get started, enter your ZIP code.

References

  1. https://www.iihs.org/ratings/vehicle/volkswagen/tiguan-4-door-suv/2020

Rates by Driver Age

Volkswagen Tiguan Insurance Rates by Driver Age
Driver Age Premium
16 $4,582
20 $2,810
30 $1,266
40 $1,220
50 $1,116
60 $1,094

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Tiguan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,528
$250 $1,384
$500 $1,220
$1,000 $1,060

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Tiguan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,220
50/100 $1,367
100/300 $1,463
250/500 $1,712
100 CSL $1,405
300 CSL $1,616
500 CSL $1,770

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Tiguan Insurance Rates for High Risk Drivers
Age Premium
16 $6,538
20 $4,476
30 $2,694
40 $2,640
50 $2,518
60 $2,496

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 $171

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $65
Homeowner $19
5-yr Accident Free $89
5-yr Claim Free $79
Paid in Full/EFT $55
Advance Quote $60
Online Quote $87
Total Discounts $519
Rate after discounts $701

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

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