Known as “the people’s car,” the Volkswagen Group began in 1934 with the creation of the Kafer, a Nazi prestige project. In 1938, they took on the name Volkswagenwek GmbH and built their first plant in Wolfsburg. After World War II, Volkswagen began producing cars that followed in the footsteps of the Kafer.
By the 1970s, innovative manufacturing made it easier to mass-produce vehicles, and Volkswagen introduced models like the Passat and Golf. In 1998, Volkswagen began selling the iconic VW Beetle, which was a hit worldwide.
Further advances in vehicle technology and flexible production helped Volkswagen gain more popularity.
If you’re looking to insure your Volkswagen or simply want to ensure you have the cheapest rate, we’re here to help. Our customers save an average of $720/mo using our car insurance tool, and you can be one of them. Simply enter your zip code below to get started.
Volkswagen Car Insurance Rates
The average cost of insuring a Volkswagen is $90/mo. When compared to the national average of insurance for vehicles in the United States,$106/mo, you’ll find that insurance for a Volkswagen is about 15% cheaper.
Now that you know the averages you have to ask yourself whether what you’re paying is in line. Although many Volkswagen owners get cheaper rates than the national average, this doesn’t mean that you will too. Premiums vary drastically depending on To get the best rate possible, be sure you’re comparing the rates of different insurance companies.
We can help you find the best rates for your Volkswagen in just a matter of minutes. On average we help drivers save $720/year on auto insurance. Simply enter your zip code below to get started and we’ll guide you through the 5 minute comparison process from there.
Volkswagen Car Insurance Rates by Model
Atlas |
Beetle |
CC |
|
e-Golf |
Eos |
Golf |
|
GTI |
Jetta |
Passat |
|
Rabbit |
Tiguan |
Toureg |
Although the average insurance premium for a Volkswagen is $90/mo, this changes when you look at the specific vehicle models.
Here are the average car insurance costs for some of the most common Volkswagen car models.
Volkswagen Jetta
The Volkswagen Jetta is a four-door five-seat compact sedan that also comes in a wagon-style. For a compact sedan, drivers report a roomy interior with great gas mileage and ample cargo space. This car is a great pick for commuters who want the option to drive a sporty vehicle. To insure a Jetta, you’ll pay an average of $117 a month.
Volkswagen Passat
The Volkswagen Passat is a four-door five-seater mid-size sedan that’s great for eco-conscious drivers, small families, and commuters. The Passat has a reputation for having an extremely spacious interior and low cabin noise. The average Passat driver will pay $117/mo in car insurance.
Volkswagen New Beetle
The Volkswagen New Beetle is a two-door four-seater that came in both coupe and convertible body styles. Safety features like daytime running lights and side airbags make this small vehicle a safe choice for drivers. The average price for insurance premiums is just $65/mo.
Volkswagen Tiguan
The Volkswagen Tiguan is a compact SUV that can either seat five or seven passengers. Drivers have the option to choose between front and all-wheel drive. Small families will enjoy the roomy interior and ample cargo space. Insurance premiums for a Tiguan average around $126 a month.
Volkswagen CC
The Volkswagen CC was in production from 2009 – 2017. Although new models are unavailable, you can find plenty of used options on the market. The CC is a four-door five-seater full-size sedan with an impressive interior and great handling. You’ll pay an average of $124/mo for insurance.
Volkswagen Golf
The Volkswagen Golf is a four-door five-seater compact hatchback. Known for its handling and steering, the Golf has premium cabin materials and gas 4 cylinder engine. Insurance runs an average of $98/mo.
Volkswagen GTI
In production from 1992-2014, the Volkswagen GTI is a five-seater hatchback that had the option for two or four doors. The GTI is known for its cabin comfort, excellent handling, and cargo versatility. You can expect to pay an average of $127 for insurance.
Volkswagen Beetle
Produced from 2012-2019, the Volkswagen Beetle was an upgrade to the iconic Beetle. This two-door four-seater car was available in both hatchback and convertible options. Drivers enjoy the retro styling coupled with the updated interior. Insurance premiums will average $119/mo.
Volkswagen Touareg
The Volkswagen Touareg is a five-seat SUV that was in production from 2004 – 2017. This vehicle boasts a 7,000-pound towing capacity, making it perfect for adventurous families who love to spend their summers on boats. It had an eight-speed automatic transmission depending on the model. While you won’t find new cars on the market you should find plenty of used models on the market. To insure a Touareg, expect to pay $92/mo.
Volkswagen EOS
The Volkswagen EOS is a four-seat, two-door convertible that was produced from 2007-2016. Although it’s a convertible, it offers plenty of cargo space in the design. Insurance premiums will average around $99/mo for an EOS.
Volkswagen Routan
In production from 2009 – 2014, the Volkswagen Routan is a seven-seater, three-row minivan. The minivan is full of safety features, making it a great choice for growing families. You’ll pay an average of $90/mo to insure a Routan.
Volkswagen Car Insurance Rates by Insurance Company
Auto insurance rates for your Volkswagen will vary based on the model as well as the insurance company you choose. Each insurance company weighs the factors that impact insurance rates differently, with some being a major factor and others not so much. That’s why you’ll see such different rates in your search.
Here’s a list of average insurance rates for a Volkswagen at different insurance companies.
| Insurance Company | Monthly Premium |
|---|---|
| Commonwealth Casualty | $62 |
| Sun Coast | $73 |
| Mercury | $85 |
| Metromile | $86 |
| Mile Auto | $95 |
While these options are all under $100, the cheapest and most expensive options on this list differ by over $30! So you could end up paying $360 more annually in car insurance.The table shows how much your auto insurance can vary based on the insurer you choose. Commonwealth Casualty is the cheapest option on this list, offering drivers coverage for as low as $62/mo. Next in line is Sun Coast, providing coverage at $73/mo. They are followed by Mercury ($85/mo) and Metromile ($86/mo). Finally, the most expensive insurer is Mile Auto, offering coverage at $95/mo.
That’s why it’s always a good idea to compare rates between different insurers during your search for auto insurance. This way, you know you’re getting the best bang for your buck.
Volkswagen Car Insurance Options
Before choosing a car insurance policy, you need to stop and think about what kind of coverage you’ll need for your Volkswagen. If you own your vehicle outright, you may feel that the state minimum insurance levels are enough for you. However, if your Volkswagen is leased or financed, you’ll likely need or want full coverage to protect your investment.
Here are a few common coverages you might choose to protect your Volkswagen.
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Liability Insurance: This coverage pays for property damage and injuries to the other party in an accident when you are at fault.
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Comprehensive Insurance: A comprehensive car insurance plan kicks in to protect you from paying for damage caused by theft, vandalism, extreme weather, falling branches, natural disaster etc.
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Collision Insurance: Collision insurance pays for repairs to your vehicle when you collide with another vehicle or object.
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Personal Injury Protection: Also known as PIP insurance, this pays for medical expenses and covers lost wages for you and passengers in your car after a car accident.
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Uninsured and Underinsured Motorist Coverage: This insurance covers you if you’re hit by a driver without car insurance or one who doesn’t have enough coverage to pay for the damages.
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Roadside Assistance: Having this protection will help you when you need roadside assistance from a tow truck, locksmith or other service.
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Gap Insurance: If your car is a total loss , gap insurance covers the difference between what you owe on your loan and the current value of your car.
These are just a few potential coverage options for Volkswagen drivers. You should examine your specific needs before making a final decision. You might find that you need to make adjustments to afford certain types of coverage. If so, check to see if you qualify for discounts to lower your premium.
Volkswagen Features That Impact Insurance Cost
Insurance premiums vary wildly with Volkswagens, and certain features also impact the cost. Here are some of the features to pay attention to when purchasing a Volkswagen.
- Vehicle Trim Level: The trim level of your Volkswagen will have an impact on how much you pay for car insurance. You might choose to upgrade to a higher trim to get an all-wheel-drive or a blind spot camera. If you’re springing for a more expensive option, be prepared to pay more in auto insurance.
- Air Bags: Although all vehicles come with airbags these days, you can still save money on car insurance for having them. If your vehicle has driver, passenger, front head, rear head, and front side airbags, you could qualify for savings on your auto insurance.
- Blind Spot Monitoring: Some Volkswagen vehicles come equipped with blind-spot monitoring. As the name implies, this feature alerts you to vehicles in your blind spot.
- Electronic Stability Control: Electronic stability control enables your Volkswagen to correct signs of instability and helps it continue in the direction you want it to go. If your wheels start to slip, it will kick in to prevent your car from spinning out. Since this lowers the chance of collisions, your insurer may reward you with a discount on your insurance premium.
- Lane Departure Assist: This useful safety feature senses if you start to drift into another lane without using your turn signals. Lane assist will help steer you back into the proper lane, decreasing the chance of accidents.
- Daytime Running Lights: Daytime running lights are activated whenever your engine is running. While they are a simple feature, they work to increase the visibility of your vehicle, making it easier for other drivers to see you. Check with your insurer to see if this feature allows you to save on your monthly insurance premium.
- Anti-Theft Devices: You can save on your Volkswagen by purchasing one with anti-theft devices installed or installing one in your vehicle.
Other Ways to Save on Your Volkswagen Insurance Rates
Of course, there are a few additional ways to save on your Volkswagen insurance rates. Here are some other ways to save on your insurance premium.
- Credit Score: If your state uses credit scores to calculate car insurance, work to improve your credit score to see a decrease in rates.
- Marriage: Getting married can have you seeing a decrease in car insurance. Married couples can enjoy savings with a multi-vehicle discount.
- Pay-Per Mile Insurance: If you drive less than 10,000 miles a year, consider switching to pay per mile or usage-based insurance to save money.
- Compare Rates: One of the best ways to save on auto insurance is to shop around and compare rates. We can help you compare rates in the time it takes you to make your breakfast. Simply enter your zip code to get started.
FAQs About Volkswagen Car Insurance
Are Volkswagen cars more expensive to insure?
Considering that the average cost for car insurance is $106/mo, and the average cost to insure a Volkswagen is $90/mo, you can say that Volkswagens are cheaper to insure than the average vehicle.
Does Volkswagen have its own car insurance?
Volkswagen offers drivers their Volkswagen Drive Easy Program from VWFS Protection Servics, Inc. Drivers who choose this option for insurance can enjoy coverage such as gap insurance, roadside protection, and 24-hour claims assistance. However, don’t feel pressured to rush into this insurance plan. Instead, compare car insurance quotes to find the best plan for you.
How much does Volkswagen insurance cost?
How much each driver pays for car insurance depends on a number of factors, but the average cost of Volkswagen insurance is $90/mo.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more.
As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.