Volkswagen Toureg Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Volkswagen Toureg costs less than most other SUVs to insure.
• Liability only car insurance prices for a Toureg come in at about $84 per month, while full coverage usually comes in at around $140.
• At sometimes as low as $36 a month for liability only coverage, NYCM is the lowest insurance carrier for a Toureg.

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Toureg Overview

The Volkswagen Toureg is on the more expensive end of the spectrum, with base prices starting at $49,495 for 2017 models. There are three different trim levels currently available, so there's an option for every driver.

We combed through thousands of car insurance quotes on Compare.com, and we've found that Volkswagen Toureg auto insurance rates run about $128 monthly, on average. How do insurance premiums for the Toureg compare to rates of other similar SUVs?

How Much is Car Insurance for a Volkswagen Toureg?

You can see in the table above that compared to other vehicles, Volkswagen Toureg insurance prices are cheaper than average. On average, Toureg drivers will pay around $140 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $84 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

Comparing it to other models, the Toureg is less expensive, with premiums about 18% lower than other vehicles in Volkswagen's lineup. But Toureg coverage runs close to average when compared to other vehicles of a similar body style, with liability insurance prices coming in at $4 higher than other SUVs and full coverage insurance premiums at $11 cheaper.

When compared to all vehicles of any body type, liability only rates are slightly more expensive for the Toureg, but a full coverage policy is on the cheaper side.

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Who has the Cheapest Car Insurance for a Volkswagen Toureg?

Shopping around for a car insurance policy for your Volkswagen Toureg? You may be most interested in which company offers the cheapest premiums. Even though prices can vary dramatically depending on your driver profile, the most affordable average rates for liability only insurance are as low as just $31 a month from Amica. The runner up for cheapest rates is NYCM, with auto insurance policies starting as cheap as just $36 monthly.

Completing the top 5 companies are Gainsco, Clearcover, and MetLife. That being said, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Volkswagen Toureg.

Insurance companies use a bunch of things and complex formulas to calculate premiums. By getting quotes from a whole range of car insurance carriers at once, you can be confident you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Volkswagen Toureg?

There are a bunch of variables that auto insurance companies take into account to choose how much to charge you for a policy -- and every carrier weighs certain attributes more than others, so there's not a single company that's the most affordable for everyone.

The sections below show multiple factors insurance carriers use to calculate rates:

Vehicle Age

Volkswagen has been making the Toureg for quite some time, so the car's age may make a difference in how much you'll pay for car insurance. Generally, it costs more to insure newer cars because they're worth more, however, as time goes on and Touregs continue to depreciate, insurance costs will gradually decrease.

As you can see in the table above, the Volkswagen Toureg does not follow this trend, as the cheapest models to insure are those that are 1 year old or less, while the most expensive models are 2 to 3 years old, on average.

Your Age

Age is another variable that plays a big role in how much you pay for auto insurance. As you can see in the table above, those with more experience pay less than young Toureg drivers. Volkswagen Toureg drivers aged 18 to 24 actually pay $49 more than those 25 or older.

Car insurance prices continue to go lower as you get older, with the cheapest age group being 45-54 for Toureg drivers.

Your Gender

Because women are less likely to get into collisions and get tickets, they are less likely to file a claim with insurance. So, insurance companies will often charge women less than men. When it comes to Toureg drivers specifically, men pay around $90 per month for insurance, while women pay about $76.

Where You Live

It may seem like common sense that variables such as what vehicle you drive and how old you are play a role in your car insurance rates, but did you know that where you live can be equally important? Since insurance is regulated at the state level, premiums can shift quite a bit from state to state.

For example, the average Volkswagen Toureg owner from New York pays around $124 a month for liability coverage. Meanwhile, on average, the same Californian driver will pay $57 less than that price. The chart shows average rates for the top 10 most populous states, just to give you a good idea of how much prices can change between states.

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Volkswagen Toureg Car Insurance Discounts

Whatever how old you are, where you live, or which car you drive, using as many discounts as possible when it comes to your car insurance is always the smart move when shopping around for a policy.

Not every auto insurance carrier will offer the same discounts, but there are a few that are relatively common. These include discounts like:

• Multi-vehicle discounts for having several cars on your auto policy
• Pay-in-full discounts for choosing to pay your entire policy price at once, rather than in monthly installments
• Defensive driving discounts for taking a defensive driving class through an accredited school or institution
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings

These discounts are great, but sometimes the best way to save is just by having a profile that looks good to insurance carriers.

Of course, you can't control every single aspect of your car insurance profile (like some of the factors we mentioned above), but you can influence some of it. Below are just a few of the ones you can use in your favor when it comes to saving some cash:

Your Driving Record

You've most likely observed ads from auto insurance companies posting hefty savings for safe drivers. It follows that if you get a speeding ticket or get into a collision, car insurance premiums will increase. But exactly how much is it going to cost you for these infractions?

Based on the table above, accidents will usually cost Toureg drivers less than tickets, but both will result in higher than normal rates. Volkswagen Toureg drivers with one ticket will pay an average of $124 monthly, while drivers with a single accident on their record pay about $89 per month (up $5 from the $84/mo. overall average). The rates only get higher the more tickets you get or accidents you have.

How Much You Drive

Another factor that impacts your insurance rates is the total amount of miles you drive annually. Those who drive less often have fewer opportunities to get into an accident, so they'll normally end up paying less for auto insurance. In the table above, you can see that Volkswagen Toureg owners who drive fewer than 2,500 miles every year pay about $64 per month for insurance, while those who put 10,000 miles or more on their cars pay $86.

If you're one of those drivers who don't put very many miles on your Volkswagen Toureg each year, you might consider a usage-based or pay-per-mile car insurance policy. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Volkswagen Touregs Compare to Other Vehicles?

If you're considering purchasing a Volkswagen Toureg, you might want to know how it compares to other vehicles. Auto insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth thinking about carefully.

Take a look at the table below to see how the Volkswagen Toureg compares:

Overall, the Volkswagen Toureg has an MSRP that's in line with the going rate for a new vehicle. The Toureg retails at $49,495, close to the national average vehicle MSRP of $41,879.

In the same fashion, auto insurance prices are pretty average when compared to the rest of the vehicle market. Full coverage insurance for a Volkswagen Toureg is, while liability only coverage is monthly.

When it comes to usage, Volkswagen Toureg drivers are far from the national average in annual miles driven, with 9,462 miles each year compared to 11,617 for all vehicles.

Volkswagen Toureg Car Insurance Costs by Model Year

So far, you've seen how different factors affect a driver's insurance premiums. But if you're considering buying a new Toureg, having a good idea of exactly how much you'll pay can be extremely helpful as you weigh your options.

Choose Your Model

2017 Volkswagen Toureg Car Insurance 2016 Volkswagen Toureg Car Insurance 2014 Volkswagen Toureg Car Insurance 2013 Volkswagen Toureg Car Insurance 2012 Volkswagen Toureg Car Insurance 2011 Volkswagen Toureg Car Insurance 2010 Volkswagen Toureg Car Insurance 2009 Volkswagen Toureg Car Insurance 2008 Volkswagen Toureg Car Insurance 2007 Volkswagen Toureg Car Insurance 2006 Volkswagen Toureg Car Insurance 2005 Volkswagen Toureg Car Insurance

2017 Volkswagen Toureg Car Insurance

The average cost to insure a 2017 Toureg with liability only coverage is $81 per month, while full coverage runs about $169 a month.

Looking for the most affordable policy? Sun Coast offered liability only coverage for as little as $48 monthly.

If you want to know exactly how much you can expect to pay for your Toureg, get free quotes in minutes by just entering your ZIP code below.

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2016 Volkswagen Toureg Car Insurance

On average, drivers who own a 2016 Volkswagen Toureg can expect to pay $61 to $134 per month for liability only and full coverage car insurance, respectively.

With premiums sometimes as little as $30 a month, Sun Coast offered the cheapest policy we found.

If you want to find the best rates for auto insurance for a 2016 Volkswagen Toureg, enter your ZIP code below and compare a lot of personalized quotes in just a few minutes.

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2014 Volkswagen Toureg Car Insurance

2014 Toureg drivers can expect to pay an average of $111 per month for liability or $153 for full coverage.

SafeAuto offered the lowest policy we found, with rates as cheap as $40 monthly.

Want to find the most affordable rates? Just enter your ZIP code below to get lots of personalized quotes for free.

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2013 Volkswagen Toureg Car Insurance

It costs around $64 a month for liability or $136 for a full coverage policy for the 2013 Volkswagen Toureg.

If you're looking for the most affordable 2013 Volkswagen Toureg insurance policy, MetLife offered the cheapest policy we found, with rates as low as $17 monthly.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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2012 Volkswagen Toureg Car Insurance

You can expect full coverage for a 2012 Toureg to run about $135 per month, while liability only coverage will average around $58 a month.

Mercury has prices as little as just $23 monthly for the 2012 Volkswagen Toureg.

If you want to know exactly how much you can expect to pay for your Toureg, just enter your ZIP code below and get several free quotes in minutes.

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2011 Volkswagen Toureg Car Insurance

2011 Volkswagen Toureg drivers can expect to pay an average of $75 a month for liability or $166 for full coverage.

With premiums sometimes as cheap as $31 per month, Elephant offered the lowest policy we found for the 2011 Volkswagen Toureg.

Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get multiple customized quotes for free.

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2010 Volkswagen Toureg Car Insurance

It costs about $71 a month for liability or $146 for a full coverage policy for the 2010 Toureg.

We found Mercury offered the cheapest policy, with rates as low as just $44 monthly.

While these are good estimates of what the average driver might pay to insure a 2010 Volkswagen Toureg, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2009 Volkswagen Toureg Car Insurance

You can expect full coverage for a 2009 Volkswagen Toureg to run around $115 per month, while liability only coverage will average about $48 monthly.

Looking for the most affordable policy? Mercury offered liability only coverage for as little as $29 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2008 Volkswagen Toureg Car Insurance

The average cost to insure a 2008 Toureg with liability only coverage is $89 a month, while full coverage runs around $150 monthly.

With premiums sometimes as low as $22 a month, MetroMile offered the lowest policy we found.

Interested in what your insurance rate could look like? Get a variety of personalized quotes for free by just entering your ZIP code below.

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2007 Volkswagen Toureg Car Insurance

On average, drivers who own a 2007 Volkswagen Toureg can expect to pay $123 to $135 per month for liability only and full coverage car insurance, respectively.

If you're looking for the lowest possible 2007 Volkswagen Toureg insurance policy, Sun Coast offered the most affordable policy we found, with rates sometimes as cheap as $40 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2006 Volkswagen Toureg Car Insurance

It costs about $108 monthly for liability or $143 for a full coverage policy for the 2006 Toureg.

Liberty Mutual offered the cheapest policy we found, with rates as cheap as just $27 per month.

Interested in just how much you'll pay? Get several free personalized quotes by just entering your ZIP code below.

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2005 Volkswagen Toureg Car Insurance

On average, drivers who own a 2005 Volkswagen Toureg can expect to pay $81 to $137 a month for liability only and full coverage insurance, respectively.

With prices as little as just $30 monthly, American Family offered the lowest policy we found for the 2005 Volkswagen Toureg.

These average rates are a great starting point if you're in the market for a 2005 Volkswagen Toureg, but there are several different things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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Volkswagen Toureg Insurance FAQs

Is a Volkswagen Toureg expensive to insure?

Liability insurance runs an average of $84 per month, while full coverage will cost you around $140. It costs less to insure a Volkswagen Toureg when compared to the average vehicle.

How can I get the best price on car insurance for my Volkswagen Toureg?

The only way to make sure you're getting the most affordable price on car insurance is to regularly shop around and compare quotes from a whole bunch of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from lots of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Volkswagen Toureg affect my insurance premiums?

Have you heard the old adage that red cars cost more to insure than cars of other colors before? Well, that's actually not true. There are an array of variables auto insurance carriers think about when they calculate your rates, but the color of your car is not on that list.

Do I need to have insurance before I buy a Volkswagen Toureg?

You'll need to have valid insurance for your Toureg before you can legally drive your it off the dealership lot. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a an SUV is to talk with your auto insurance company ahead of time.

What car insurance discounts can I get for my Volkswagen Toureg?

There are a lot of different discounts out there when it comes to car insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are based less on your vehicle and more on you, but if your Toureg has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. The only way to know for sure is to get in touch with your insurance carrier and ask about which discounts they offer, since they change quite a bit from company to company.