Insurance for Volkswagen Vehicles

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Melanie Musson

Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...

Published Insurance Expert

UPDATED: Jun 5, 2023

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The following table shows estimated insurance rates for some models of Volkswagen vehicles. Additional models are listed at the end of this page

Insurance Rates for Volkswagen Vehicles
Vehicle Model Annual Premium Monthly Premium
Volkswagen Beetle $1,308 $109
Volkswagen CC $1,548 $129
Volkswagen EOS $1,472 $123
Volkswagen Golf $1,478 $123
Volkswagen GTI $1,508 $126
Volkswagen Jetta $1,414 $118
Volkswagen Passat $1,504 $125
Volkswagen Routan $1,320 $110
Volkswagen Tiguan $1,336 $111
Volkswagen Touareg $1,638 $137
Get Rates for Your Model Go

Rates assume current 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.

View Chart as Image

Average insurance cost for Volkswagen vehicles
Column chart showing average insurance prices for Volkswagen vehicles range from $850 to $5,458 for full coverage

The chart above utilizes the average rating data for all Volkswagen vehicles listed in the table above as an example of how variations in coverage can impact car insurance prices.

Auto insurance rates for a Volkswagen can vary considerably based on the model of your Touareg, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,800 to $2,400 in extra premium per year, depending on your age. Volkswagen insurance for high-risk drivers is expensive and can cost anywhere from 44% to 135% more than the average rate.

View Chart as Image

Volkswagen insurance by risk and age

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average for full coverage. Prices are highest for teen drivers, since even teens with perfect driving records will have to pay upwards of $5,400 a year.

Where you live also has a big influence on Volkswagen insurance rates. A middle-age driver might find rates as low as $980 a year in states like Idaho, Maine, and Iowa, or at least $2,140 on average in Michigan, Louisiana, and Montana.

Volkswagen Vehicle Average Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,346 -$146 -9.8%
Alaska $1,146 -$346 -23.2%
Arizona $1,236 -$256 -17.2%
Arkansas $1,492 -$0 0.0%
California $1,698 $206 13.8%
Colorado $1,424 -$68 -4.6%
Connecticut $1,532 $40 2.7%
Delaware $1,690 $198 13.3%
Florida $1,866 $374 25.1%
Georgia $1,378 -$114 -7.6%
Hawaii $1,070 -$422 -28.3%
Idaho $1,010 -$482 -32.3%
Illinois $1,112 -$380 -25.5%
Indiana $1,122 -$370 -24.8%
Iowa $1,006 -$486 -32.6%
Kansas $1,418 -$74 -5.0%
Kentucky $2,034 $542 36.3%
Louisiana $2,208 $716 48.0%
Maine $920 -$572 -38.3%
Maryland $1,230 -$262 -17.6%
Massachusetts $1,194 -$298 -20.0%
Michigan $2,590 $1,098 73.6%
Minnesota $1,248 -$244 -16.4%
Mississippi $1,786 $294 19.7%
Missouri $1,322 -$170 -11.4%
Montana $1,602 $110 7.4%
Nebraska $1,176 -$316 -21.2%
Nevada $1,788 $296 19.8%
New Hampshire $1,074 -$418 -28.0%
New Jersey $1,666 $174 11.7%
New Mexico $1,320 -$172 -11.5%
New York $1,570 $78 5.2%
North Carolina $858 -$634 -42.5%
North Dakota $1,220 -$272 -18.2%
Ohio $1,030 -$462 -31.0%
Oklahoma $1,532 $40 2.7%
Oregon $1,366 -$126 -8.4%
Pennsylvania $1,424 -$68 -4.6%
Rhode Island $1,990 $498 33.4%
South Carolina $1,352 -$140 -9.4%
South Dakota $1,258 -$234 -15.7%
Tennessee $1,308 -$184 -12.3%
Texas $1,796 $304 20.4%
Utah $1,104 -$388 -26.0%
Vermont $1,022 -$470 -31.5%
Virginia $894 -$598 -40.1%
Washington $1,152 -$340 -22.8%
West Virginia $1,368 -$124 -8.3%
Wisconsin $1,032 -$460 -30.8%
Wyoming $1,328 -$164 -11.0%

Opting for high physical damage deductibles can reduce rates by up to $650 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $335 extra every year

View Chart as Image

Volkswagen insurance by deductible and liability limit

With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, and quoted rates can be significantly different.

Additional Volkswagen Vehicles


U.S. averages for full coverage Volkswagen vehicle insurance

Average Policy Cost $1,492
Comprehensive Premium $336
Collision Premium $626
Liability Premium $372

National average data is compiled from all 50 U.S. states for the Volkswagen models in the rate table on this page. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record.

Rates by Driver Age

Volkswagen Vehicle Insurance Rates by Driver Age
Driver Age Premium
16 $5,458
20 $3,446
30 $1,564
40 $1,492
50 $1,362
60 $1,334

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Vehicle Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,916
$250 $1,718
$500 $1,492
$1,000 $1,272

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Vehicle Insurance Rates for High Risk Drivers
Age Premium
16 $7,808
20 $5,478
30 $3,306
40 $3,228
50 $3,078
60 $3,050

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 $209

Potential Rate Discounts

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

Discount Savings
Multi-policy $80
Multi-vehicle $77
Homeowner $21
5-yr Accident Free $114
5-yr Claim Free $97
Paid in Full/EFT $71
Advance Quote $75
Online Quote $107
Total Discounts $642
Rate after discounts $850

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

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