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.

U.S. average insurance rates for a Volkswagen Tiguan are $1,220 a year for full coverage insurance. Comprehensive costs an estimated $250 a year, collision insurance costs $450, and liability is $384. Liability-only coverage costs around $432 a year, and high-risk coverage costs around $2,640. Teens pay the highest rates at up to $4,582 a year.

Average premium for full coverage: $1,220

Price estimates broken down by individual coverage:

Comprehensive $250
Collision $450
Liability $384

Price estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Tiguan trim levels.

Price Range from Low to High

For the average 40-year-old driver, Volkswagen Tiguan insurance prices range from as low as $432 for just the minimum liability insurance to a high of $2,640 for a driver who requires high-risk insurance.

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

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations have a lower frequency of physical damage claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on insurance prices.

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

The ranges above illustrate why it is important to compare rates quotes for a targeted area and risk profile, instead of making a decision based on averaged prices.

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 Analysis

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

  • The cheapest rate after discounts is $701
  • Raising to $1,000 deductibles will save approximately $1,060 each year
  • The average rate for the average middle-age driver who has $500 deductibles is $1,220
  • Selecting low $100 deductibles will increase the cost to $1,528
  • Drivers with serious driving violations could pay up to $2,640
  • The price for full coverage for a 16-year-old driver can cost as much as $4,582

View Chart as Image

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

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

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

The state you live in also has a big influence on Volkswagen Tiguan insurance prices. A middle-age driver might find prices as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,640 on average in Florida, 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

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $470 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $345 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,500 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 137% more than the average 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 Cheaper Volkswagen Tiguan Insurance

Getting lower rates on insurance for a Volkswagen Tiguan consists of being a safe and courteous driver, having good credit, not filing small claims, and consideration of higher deductibles. Make time to compare rates at every other renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below is a condensed summary of the concepts that were touched on in this article.

  • Drivers considered higher risk with multiple at-fault accidents pay on average $1,420 more annually for auto insurance
  • Teenage drivers are the costliest to insure, as much as $382 a month if they have full coverage
  • It is possible to save approximately $150 per year just by quoting early and online
  • Increasing physical damage deductibles can save around $475 each year
  • It is possible to save approximately $150 per year just by quoting early and online

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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