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Insurance for Volkswagen Vehicles

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 30, 2020

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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 Atlas $1,624 $135
Volkswagen Beetle $1,308 $109
Volkswagen Beetle Convertible $1,240 $103
Volkswagen CC $1,548 $129
Volkswagen e-Golf $1,486 $124
Volkswagen EOS $1,472 $123
Volkswagen Golf $1,478 $123
Volkswagen Golf Alltrack $1,594 $133
Volkswagen Golf R $1,608 $134
Volkswagen GTI $1,508 $126
Volkswagen Jetta $1,414 $118
Volkswagen Jetta GLI $1,666 $139
Volkswagen Passat $1,504 $125
Volkswagen Routan $1,320 $110
Volkswagen Tiguan $1,336 $111
Volkswagen Tiguan Limited $1,232 $103
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 $858 to $5,478 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 134% 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 $990 a year in states like Idaho, Maine, and Iowa, or at least $2,160 on average in Michigan, Louisiana, and Montana.

Volkswagen Vehicle Average Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,360 -$144 -9.6%
Alaska $1,156 -$348 -23.1%
Arizona $1,248 -$256 -17.0%
Arkansas $1,504 -$0 0.0%
California $1,714 $210 14.0%
Colorado $1,438 -$66 -4.4%
Connecticut $1,546 $42 2.8%
Delaware $1,704 $200 13.3%
Florida $1,884 $380 25.3%
Georgia $1,390 -$114 -7.6%
Hawaii $1,080 -$424 -28.2%
Idaho $1,018 -$486 -32.3%
Illinois $1,122 -$382 -25.4%
Indiana $1,134 -$370 -24.6%
Iowa $1,016 -$488 -32.4%
Kansas $1,432 -$72 -4.8%
Kentucky $2,052 $548 36.4%
Louisiana $2,228 $724 48.1%
Maine $930 -$574 -38.2%
Maryland $1,242 -$262 -17.4%
Massachusetts $1,204 -$300 -19.9%
Michigan $2,614 $1,110 73.8%
Minnesota $1,260 -$244 -16.2%
Mississippi $1,802 $298 19.8%
Missouri $1,334 -$170 -11.3%
Montana $1,618 $114 7.6%
Nebraska $1,186 -$318 -21.1%
Nevada $1,804 $300 19.9%
New Hampshire $1,084 -$420 -27.9%
New Jersey $1,682 $178 11.8%
New Mexico $1,334 -$170 -11.3%
New York $1,586 $82 5.5%
North Carolina $866 -$638 -42.4%
North Dakota $1,232 -$272 -18.1%
Ohio $1,038 -$466 -31.0%
Oklahoma $1,546 $42 2.8%
Oregon $1,378 -$126 -8.4%
Pennsylvania $1,436 -$68 -4.5%
Rhode Island $2,008 $504 33.5%
South Carolina $1,364 -$140 -9.3%
South Dakota $1,270 -$234 -15.6%
Tennessee $1,320 -$184 -12.2%
Texas $1,812 $308 20.5%
Utah $1,114 -$390 -25.9%
Vermont $1,030 -$474 -31.5%
Virginia $902 -$602 -40.0%
Washington $1,164 -$340 -22.6%
West Virginia $1,380 -$124 -8.2%
Wisconsin $1,042 -$462 -30.7%
Wyoming $1,340 -$164 -10.9%

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 $1,504
Comprehensive Premium $348
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 $5,478
20 $3,464
30 $1,580
40 $1,504
50 $1,374
60 $1,346

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Vehicle Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,934
$250 $1,736
$500 $1,504
$1,000 $1,284

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Vehicle Insurance Rates for High Risk Drivers
Age Premium
16 $7,838
20 $5,506
30 $3,330
40 $3,250
50 $3,098
60 $3,068

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 $81
Multi-vehicle $77
Homeowner $21
5-yr Accident Free $114
5-yr Claim Free $97
Paid in Full/EFT $72
Advance Quote $76
Online Quote $108
Total Discounts $646
Rate after discounts $858

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

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