Volkswagen Tiguan Insurance Rates

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UPDATED: Apr 13, 2024

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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.

U.S. average insurance rates for a Volkswagen Tiguan are $1,136 a year including full coverage. Comprehensive costs on average $230 each year, collision insurance costs $380, and liability costs $390. A policy with just liability insurance costs as little as $438 a year, and coverage for high-risk drivers costs around $2,452. Teen drivers pay the highest rates at up to $4,314 a year.

Average premium for full coverage: $1,136

Price estimates by individual coverage:

Comprehensive $230
Collision $380
Liability $390

Rates are based on $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Tiguan models.

Price Range from Low to High

For the average driver, Volkswagen Tiguan insurance prices range from the low end price of $438 for minimum levels of liability insurance to a high rate of $2,452 for high-risk insurance.

Liability Only $438
Full Coverage $1,136
High Risk $2,452

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates how location impacts car insurance rates.

Rural Areas $852
Small Cities $1,193
Large Cities $1,534

The ranges above highlight why all drivers should compare rates based on a specific location, 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.

Additional Rate Details

The chart below breaks down average Volkswagen Tiguan insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $661
  • Drivers who choose higher $1,000 deductibles will pay around $140 every year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,136
  • Choosing low deductibles for comprehensive and collision insurance bumps up the cost to $1,402
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,452
  • The price that insures a teen driver may cost $4,314 a year

View Chart as Image

Volkswagen Tiguan insurance cost comparison chart
Column chart showing Volkswagen Tiguan insurance rates range from $661 to $4,314 for full coverage

Insurance prices for a Volkswagen Tiguan are also quite variable based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,300 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 128% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $4,300 a year. View Rates by Age

The state you live in makes a big difference in Volkswagen Tiguan insurance prices. A 40-year-old driver could pay as low as $870 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,620 on average in Michigan, New York, and Louisiana.

Volkswagen Tiguan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,028 -$108 -9.5%
Alaska $870 -$266 -23.4%
Arizona $940 -$196 -17.3%
Arkansas $1,136 -$0 0.0%
California $1,294 $158 13.9%
Colorado $1,084 -$52 -4.6%
Connecticut $1,166 $30 2.6%
Delaware $1,284 $148 13.0%
Florida $1,416 $280 24.6%
Georgia $1,050 -$86 -7.6%
Hawaii $814 -$322 -28.3%
Idaho $770 -$366 -32.2%
Illinois $844 -$292 -25.7%
Indiana $854 -$282 -24.8%
Iowa $764 -$372 -32.7%
Kansas $1,078 -$58 -5.1%
Kentucky $1,548 $412 36.3%
Louisiana $1,680 $544 47.9%
Maine $702 -$434 -38.2%
Maryland $938 -$198 -17.4%
Massachusetts $906 -$230 -20.2%
Michigan $1,970 $834 73.4%
Minnesota $952 -$184 -16.2%
Mississippi $1,358 $222 19.5%
Missouri $1,008 -$128 -11.3%
Montana $1,218 $82 7.2%
Nebraska $894 -$242 -21.3%
Nevada $1,362 $226 19.9%
New Hampshire $820 -$316 -27.8%
New Jersey $1,268 $132 11.6%
New Mexico $1,004 -$132 -11.6%
New York $1,196 $60 5.3%
North Carolina $654 -$482 -42.4%
North Dakota $930 -$206 -18.1%
Ohio $782 -$354 -31.2%
Oklahoma $1,166 $30 2.6%
Oregon $1,040 -$96 -8.5%
Pennsylvania $1,080 -$56 -4.9%
Rhode Island $1,514 $378 33.3%
South Carolina $1,030 -$106 -9.3%
South Dakota $958 -$178 -15.7%
Tennessee $992 -$144 -12.7%
Texas $1,368 $232 20.4%
Utah $840 -$296 -26.1%
Vermont $776 -$360 -31.7%
Virginia $680 -$456 -40.1%
Washington $878 -$258 -22.7%
West Virginia $1,040 -$96 -8.5%
Wisconsin $782 -$354 -31.2%
Wyoming $1,010 -$126 -11.1%

View Chart as Image

Volkswagen Tiguan insurance rates by U.S. city

Choosing high deductibles could save up to $410 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit

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 $1,074 $90
Volkswagen Tiguan S 2WD $1,074 $90
Volkswagen Tiguan SE 4Motion AWD $1,136 $95
Volkswagen Tiguan SEL 4Motion AWD $1,196 $100

Rates assume 2017 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
2024 Volkswagen Tiguan $306 $542 $332 $1,316
2023 Volkswagen Tiguan $294 $536 $338 $1,304
2022 Volkswagen Tiguan $284 $524 $354 $1,298
2021 Volkswagen Tiguan $274 $502 $364 $1,276
2020 Volkswagen Tiguan $260 $484 $376 $1,256
2019 Volkswagen Tiguan $250 $450 $384 $1,220
2018 Volkswagen Tiguan $240 $424 $388 $1,188
2017 Volkswagen Tiguan $230 $380 $390 $1,136
2016 Volkswagen Tiguan $214 $350 $390 $1,090

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 the Best Cheap Volkswagen Tiguan Insurance

Getting lower rates on car insurance not only requires not taking risks behind the wheel, but also having above-average credit, being claim-free, and determing if full coverage is necessary. Shop around every couple of years by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The following is a quick review of the material that was touched on above.

  • Policyholders who require higher liability limits will pay about $430 per year to go from a low limit to the 250/500 level
  • Teens pay the highest prices, possibly costing $360 a month if full coverage is included
  • Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,320 more each year for Tiguan insurance
  • Increasing physical damage deductibles can save approximately $400 each year

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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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 $4,314
20 $2,608
30 $1,176
40 $1,136
50 $1,038
60 $1,018

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Tiguan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,402
$250 $1,278
$500 $1,136
$1,000 $996

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Tiguan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,136
50/100 $1,274
100/300 $1,372
250/500 $1,625
100 CSL $1,313
300 CSL $1,528
500 CSL $1,684

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Tiguan Insurance Rates for High Risk Drivers
Age Premium
16 $6,140
20 $4,154
30 $2,500
40 $2,452
50 $2,340
60 $2,318

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 $157

Potential Rate Discounts

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

Discount Savings
Multi-policy $60
Multi-vehicle $60
Homeowner $18
5-yr Accident Free $80
5-yr Claim Free $73
Paid in Full/EFT $49
Advance Quote $55
Online Quote $80
Total Discounts $475
Rate after discounts $661

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

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