Volkswagen Touareg Insurance Rates
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Michelle Robbins
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UPDATED: May 6, 2024
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The average auto insurance rates for a Volkswagen Touareg are $1,380 annually for full coverage insurance. Comprehensive costs around $278, collision insurance costs $484, and liability insurance costs $460. A liability-only policy costs as little as $510 a year, and high-risk insurance costs around $2,992. 16-year-old drivers cost the most to insure at up to $5,240 a year.
Average premium for full coverage: $1,380
Policy rates for type of insurance:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Touareg models.
Price Range Variability
For a 40-year-old driver, Volkswagen Touareg insurance rates range from as cheap as $510 for just liability insurance to the much higher price of $2,992 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than congested cities. The example below illustrates how your location can change auto insurance rates.
The examples above illustrate why everyone should compare rates for a specific zip code and their own personal driving habits, rather than relying on rate 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.
More Rate Details
The chart below illustrates average Volkswagen Touareg insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $799
- Drivers who choose higher $1,000 deductibles will pay about $172 each year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,380
- Buying pricier low deductibles for comprehensive and collision insurance will cost $1,718
- High risk drivers with multiple tickets or accidents could pay at least $2,992
- Policy cost with full coverage for a teen driver for full coverage can be $5,240 a year
Car insurance rates for a Volkswagen Touareg also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $5,200 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,600 to $2,300 extra every year, depending on your age. Volkswagen Touareg insurance for high-risk drivers can cost anywhere from 44% to 129% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $510 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Volkswagen Touareg insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,870 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,250 | -$130 | -9.4% |
| Alaska | $1,060 | -$320 | -23.2% |
| Arizona | $1,146 | -$234 | -17.0% |
| Arkansas | $1,380 | -$0 | 0.0% |
| California | $1,574 | $194 | 14.1% |
| Colorado | $1,320 | -$60 | -4.3% |
| Connecticut | $1,420 | $40 | 2.9% |
| Delaware | $1,562 | $182 | 13.2% |
| Florida | $1,728 | $348 | 25.2% |
| Georgia | $1,274 | -$106 | -7.7% |
| Hawaii | $992 | -$388 | -28.1% |
| Idaho | $934 | -$446 | -32.3% |
| Illinois | $1,030 | -$350 | -25.4% |
| Indiana | $1,040 | -$340 | -24.6% |
| Iowa | $932 | -$448 | -32.5% |
| Kansas | $1,312 | -$68 | -4.9% |
| Kentucky | $1,886 | $506 | 36.7% |
| Louisiana | $2,044 | $664 | 48.1% |
| Maine | $852 | -$528 | -38.3% |
| Maryland | $1,140 | -$240 | -17.4% |
| Massachusetts | $1,106 | -$274 | -19.9% |
| Michigan | $2,400 | $1,020 | 73.9% |
| Minnesota | $1,156 | -$224 | -16.2% |
| Mississippi | $1,654 | $274 | 19.9% |
| Missouri | $1,224 | -$156 | -11.3% |
| Montana | $1,482 | $102 | 7.4% |
| Nebraska | $1,090 | -$290 | -21.0% |
| Nevada | $1,658 | $278 | 20.1% |
| New Hampshire | $996 | -$384 | -27.8% |
| New Jersey | $1,544 | $164 | 11.9% |
| New Mexico | $1,224 | -$156 | -11.3% |
| New York | $1,454 | $74 | 5.4% |
| North Carolina | $794 | -$586 | -42.5% |
| North Dakota | $1,130 | -$250 | -18.1% |
| Ohio | $954 | -$426 | -30.9% |
| Oklahoma | $1,420 | $40 | 2.9% |
| Oregon | $1,264 | -$116 | -8.4% |
| Pennsylvania | $1,318 | -$62 | -4.5% |
| Rhode Island | $1,842 | $462 | 33.5% |
| South Carolina | $1,250 | -$130 | -9.4% |
| South Dakota | $1,164 | -$216 | -15.7% |
| Tennessee | $1,210 | -$170 | -12.3% |
| Texas | $1,666 | $286 | 20.7% |
| Utah | $1,022 | -$358 | -25.9% |
| Vermont | $946 | -$434 | -31.4% |
| Virginia | $826 | -$554 | -40.1% |
| Washington | $1,068 | -$312 | -22.6% |
| West Virginia | $1,266 | -$114 | -8.3% |
| Wisconsin | $956 | -$424 | -30.7% |
| Wyoming | $1,232 | -$148 | -10.7% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volkswagen Touareg 3 Turbo Diesel AWD 4-Dr | $1,380 | $115 |
| Volkswagen Touareg 3.6 AWD 4-Dr | $1,380 | $115 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Volkswagen Touareg | $302 | $574 | $452 | $1,486 |
| 2018 Volkswagen Touareg | $290 | $540 | $456 | $1,444 |
| 2017 Volkswagen Touareg | $278 | $484 | $460 | $1,380 |
| 2016 Volkswagen Touareg | $260 | $446 | $460 | $1,324 |
| 2013 Volkswagen Touareg | $226 | $362 | $474 | $1,220 |
| 2007 Volkswagen Touareg | $182 | $228 | $452 | $1,020 |
| 2005 Volkswagen Touareg | $160 | $206 | $442 | $966 |
Rates are averaged for all Volkswagen Touareg models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy More Affordable Volkswagen Touareg Insurance
Finding cheaper rates on Volkswagen Touareg insurance not only requires having a decent driving record, but also having a good credit score, being claim-free, and consideration of higher deductibles. Invest the time to shop around at every policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a summary of the data illustrated above.
- Drivers who may need additional liability coverage will pay around $510 annually to go from a 30/60 limit to higher 250/500 limits
- It is possible to save up to $170 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $500 each year
- 16 to 18-year-old drivers are the costliest to insure, possibly costing $437 each month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,240 |
| 20 | $3,184 |
| 30 | $1,432 |
| 40 | $1,380 |
| 50 | $1,262 |
| 60 | $1,238 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,718 |
| $250 | $1,560 |
| $500 | $1,380 |
| $1,000 | $1,208 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,380 |
| 50/100 | $1,472 |
| 100/300 | $1,587 |
| 250/500 | $1,886 |
| 100 CSL | $1,518 |
| 300 CSL | $1,771 |
| 500 CSL | $1,955 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,462 |
| 20 | $5,074 |
| 30 | $3,050 |
| 40 | $2,992 |
| 50 | $2,858 |
| 60 | $2,834 |
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 | $73 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $61 |
| Advance Quote | $67 |
| Online Quote | $98 |
| Total Discounts | $581 |
Discounts are estimated and may not be available from every company or in every state.
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