Volkswagen Tiguan Insurance Rates
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Written by
Jeffrey Johnson |
UPDATED: Aug 23, 2022
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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 $1,256 a year for full coverage. Comprehensive costs on average $260 a year, collision costs $484, and liability insurance costs $376. A liability-only policy costs as little as $426 a year, with high-risk insurance costing around $2,724. Teen drivers receive the highest rates at $4,698 a year or more.
Average premium for full coverage: $1,256
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Tiguan trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $426 for only liability insurance to a high of $2,724 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on 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.
Insurance Rate Analysis
The chart below shows estimated Volkswagen Tiguan insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $717
- Drivers who choose higher $1,000 deductibles will pay around $1,088 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,256
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,584
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,724 or more
- The cost for full coverage for a teen driver may cost $4,698 a year
for a Volkswagen Tiguan can also vary considerably based on your driver profile, the trim level of your Tiguan, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,600 a year. View Rates by Age
Where you live makes a big difference in Volkswagen Tiguan insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Idaho, Maine, and Iowa, or as much as $1,790 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,134 | -$122 | -9.7% |
| Alaska | $962 | -$294 | -23.4% |
| Arizona | $1,042 | -$214 | -17.0% |
| Arkansas | $1,256 | -$0 | 0.0% |
| California | $1,430 | $174 | 13.9% |
| Colorado | $1,198 | -$58 | -4.6% |
| Connecticut | $1,288 | $32 | 2.5% |
| Delaware | $1,420 | $164 | 13.1% |
| Florida | $1,568 | $312 | 24.8% |
| Georgia | $1,162 | -$94 | -7.5% |
| Hawaii | $902 | -$354 | -28.2% |
| Idaho | $850 | -$406 | -32.3% |
| Illinois | $934 | -$322 | -25.6% |
| Indiana | $948 | -$308 | -24.5% |
| Iowa | $848 | -$408 | -32.5% |
| Kansas | $1,192 | -$64 | -5.1% |
| Kentucky | $1,710 | $454 | 36.1% |
| Louisiana | $1,858 | $602 | 47.9% |
| Maine | $774 | -$482 | -38.4% |
| Maryland | $1,036 | -$220 | -17.5% |
| Massachusetts | $1,002 | -$254 | -20.2% |
| Michigan | $2,180 | $924 | 73.6% |
| Minnesota | $1,052 | -$204 | -16.2% |
| Mississippi | $1,502 | $246 | 19.6% |
| Missouri | $1,114 | -$142 | -11.3% |
| Montana | $1,346 | $90 | 7.2% |
| Nebraska | $988 | -$268 | -21.3% |
| Nevada | $1,502 | $246 | 19.6% |
| New Hampshire | $906 | -$350 | -27.9% |
| New Jersey | $1,404 | $148 | 11.8% |
| New Mexico | $1,110 | -$146 | -11.6% |
| New York | $1,320 | $64 | 5.1% |
| North Carolina | $722 | -$534 | -42.5% |
| North Dakota | $1,028 | -$228 | -18.2% |
| Ohio | $864 | -$392 | -31.2% |
| Oklahoma | $1,286 | $30 | 2.4% |
| Oregon | $1,150 | -$106 | -8.4% |
| Pennsylvania | $1,196 | -$60 | -4.8% |
| Rhode Island | $1,674 | $418 | 33.3% |
| South Carolina | $1,136 | -$120 | -9.6% |
| South Dakota | $1,058 | -$198 | -15.8% |
| Tennessee | $1,098 | -$158 | -12.6% |
| Texas | $1,512 | $256 | 20.4% |
| Utah | $928 | -$328 | -26.1% |
| Vermont | $856 | -$400 | -31.8% |
| Virginia | $752 | -$504 | -40.1% |
| Washington | $968 | -$288 | -22.9% |
| West Virginia | $1,150 | -$106 | -8.4% |
| Wisconsin | $868 | -$388 | -30.9% |
| Wyoming | $1,116 | -$140 | -11.1% |
Choosing high deductibles could save up to $500 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $339 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 133% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volkswagen Tiguan S 2WD | $1,180 | $98 |
| Volkswagen Tiguan S 2WD | $1,180 | $98 |
| Volkswagen Tiguan SE 4Motion AWD | $1,256 | $105 |
| Volkswagen Tiguan SEL 4Motion AWD | $1,332 | $111 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Volkswagen Tiguan | $260 | $484 | $376 | $1,256 |
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 Cheaper Volkswagen Tiguan Insurance
Saving money on Volkswagen Tiguan insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $500 each year
- Drivers can save as much as $150 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $410 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $392 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,470 more each year for 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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,698 |
| 20 | $2,902 |
| 30 | $1,308 |
| 40 | $1,256 |
| 50 | $1,148 |
| 60 | $1,128 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,584 |
| $250 | $1,430 |
| $500 | $1,256 |
| $1,000 | $1,088 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,256 |
| 50/100 | $1,407 |
| 100/300 | $1,501 |
| 250/500 | $1,746 |
| 100 CSL | $1,445 |
| 300 CSL | $1,652 |
| 500 CSL | $1,802 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,710 |
| 20 | $4,624 |
| 30 | $2,784 |
| 40 | $2,724 |
| 50 | $2,600 |
| 60 | $2,574 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $67 |
| Multi-vehicle | $67 |
| Homeowner | $19 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $58 |
| Advance Quote | $63 |
| Online Quote | $90 |
| Total Discounts | $539 |
Discounts are estimated and may not be available from every company or in every state.
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