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Cheapest Volkswagen Car Insurance (Feb 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Volkswagen.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does Volkswagen car insurance cost? 

Bringing cars to the people—that was the early goal of Volkswagen when it was established in 1937. German for “people’s car,” Volkswagen today is known for iconic models like the Beetle, the Golf, the Jetta, and the Passat.
We spent 2000 hours analyzing 27284 Volkswagen insurance quotes from our customers in the last year. 
What we found: The average Volkswagen car insurance cost is $93 per month. That makes Volkswagen vehicles 0% more expensive to insure when compared to national averages from other manufacturers.
Keep in mind that what you pay for your Volkswagen’s car insurance is dependent on many different factors—not just the car you drive. Your location, driving history, and other aspects will play a role, too. 

How to find the cheapest Volkswagen car insurance quote? 

The Jerry app allows you to easily compare car insurance quotes from top providers all in one spot, saving drivers lots of time and money in the long run. In fact, Jerry has helped 27284 Volkswagen drivers save an average of $2,637 on their car insurance!
Here’s a look at rates actual Volkswagen drivers have found with Jerry.
DateCarInsurance CompanyPremium (monthly)Customer DetailsInsurance coverage
February 22, 2024
Volkswagen Jetta 2.5 Option Package 1Plymouth Rock
$85
• 100,000/300,000 Liability
February 17, 2024
Volkswagen Tiguan SEAllstate
$184
• State Minimum Liability
• Comp / Collision
February 13, 2024
Volkswagen Tiguan SAAA
$148
• State Minimum Liability
• Comp / Collision
February 11, 2024
Volkswagen Tiguan SESafeco
$106
• 50,000/100,000 Liability
• Comp / Collision
February 4, 2024
Volkswagen Tiguan SE R-Line BlackNational General
$127
• State Minimum Liability
• Comp / Collision
coverageLast Updated Feb 22, 2024

The best car insurance companies for Volkswagen drivers

Shopping for car insurance
can be a challenge since it has to be the right fit for your vehicle and you as the driver.
Jerry’s data has shown there’s no one-size-fits-all car insurance provider for all Volkswagen drivers. That’s because the best car insurance policy for you will also depend on your location, driving record, age, and more.
Check out how Volkswagen drivers rate different insurance companies below. 

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
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We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive
Great Experience!
Andres
Dairyland
Great insurance at an affordable price, always good approvals.
Asia
Travelers
I switched over to travelers because my other policy was to much. They made the process of switching so easy.
Jasmine
Gainsco
Very good prices! Compared to almost every other company they definitely were the cheapest and offered the same things
Matty

Are Volkswagens more expensive to insure?

Compared to the average cost of other cars, Volkswagen vehicles cost 0% more to insure. 
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost
GEO
$73
$90
Suzuki
$88
$144
Volkswagen
$93
$176
Acura
$103
$186
Jaguar
$111
$211

Cheapest Volkswagens to insure

The cheapest Volkswagen model to insure is the 2010 Volkswagen Touareg, with an average monthly premium of $29 for state minimum coverage and an average of $184 for full coverage. 

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
$29
$184
$43
$198
2013 Volkswagen Routan
$49
$147
2022 Volkswagen Volkswagon Taos
$50
$163
2021 Volkswagen Tiguan
$52
$203

Most expensive Volkswagens to insure

The most expensive Volkswagen model to insure is 2011 Volkswagen CC, with an average monthly premium of $138 for state minimum coverage and an average of $209 for full coverage. 

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
$126
$197
2011 Volkswagen CC
$138
$209
2021 Volkswagen Passat
$136
$261
2013 Volkswagen CC
$135
$240
2019 Volkswagen Atlas
$124
$160
Remember: Vehicle type is only one influencing factor when it comes to car insurance costs. Providers will also look at your driving history, location, age, credit history, and other factors when
calculating your car insurance rate
For this reason, shopping for personalized car insurance quotes can give you a better sense of what you may pay for insurance than comparing averages by vehicle type alone.

What factors affect Volkswagen car insurance rates?

A variety of factors affect the cost of your car insurance premium, including:
  • Vehicle cost: Collision and comprehensive coverage will usually cost more for high-value vehicles, like luxury, high-performance, and sports cars.
  • Vehicle age: Newer vehicles will usually cost more to insure because of factors like higher values and more advanced technology.
  • Cost of parts: High-value or uncommon models often have higher replacement and repair costs, which could raise your rate.
  • Your age: Drivers younger than 25—especially teens—will pay some of the highest insurance costs on average. From age 25 and onward, costs tend to decrease until about age 75, when costs can increase again. 
  • Your driving record and claims history: Drivers with more violations, accidents, or past insurance claims can usually expect to pay more for car insurance. On the other hand, drivers with clean driving records can usually qualify for some of the lowest car insurance rates.
  • Where you keep your car: Your neighborhood and the risk factors it presents, like road conditions, population density, weather patterns, and crime rates can all affect your premium. Even within the same city, different ZIP codes may qualify for different rates. Being able to park your vehicle in a monitored parking lot or locked garage can often get you lower rates.
These are some Volkswagen-specific factors that could affect your auto insurance rate:
  • Imports: Volkswagen vehicles are imported, meaning replacement costs could be higher when compared with domestic models.
  • Safety: Volkswagen vehicles tend to get good safety ratings, which can help keep insurance costs lower.
  • Reliability: Volkswagen has a good reputation when it comes to reliability and safety, which means you might have a lower risk of needing to file a claim.

Volkswagen insurance cost for young drivers

On average,
teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group. This is largely because they’re still gaining experience behind the wheel.
For teens who own their own car—especially if it’s newer or higher in value—full coverage is essential since teens have a higher accident rate than older, more experienced drivers. 
Generally, teen drivers will have much lower insurance costs on a parent or guardian’s policy than they’d see on a policy of their own. Some young drivers could additionally benefit from good student and safe driver discounts.

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Oscar (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carVolkswagen GTI
$332
per month
card cover
Adam (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationGreenland, NH
$108
per month
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Luke (22 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationHuntington, UT
$143
per month
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Inez (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carVolkswagen Jetta S
$284
per month
card cover
Clearcover
Ruth (23 years old)
coverageCoverage
State Minimum
carVolkswagen Jetta S
$176
per month

Volkswagen insurance cost for senior drivers

While still not as high as average rates seen with teen drivers,
car insurance rates for seniors
still tend to rise as drivers reach their mid-70s. 
This is in part due to an increased risk for accidents and the risk for more severe injuries if a collision does occur.

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Landon (71 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carVolkswagen Jetta S
$121
per month
card cover
Millie (68 years old)
$131
per month
card cover
Amanda (68 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carVolkswagen Jetta S
$109
per month
card cover
Miguel (66 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$159
per month
card cover
Gainsco
Ian (73 years old)
$230
per month

Volkswagen insurance cost for drivers with driving violations 

Your Volkswagen auto insurance costs will also depend on your driving record. Volkswagen owners with clean driving records and no at-fault accidents can expect to see the cheapest rates. On the flip side, you might pay more if your driving record shows any of the following:
  • Speeding tickets
  • DUIs
  • At-fault accidents
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Volkswagen drivers with a speeding ticket

If you have speeding tickets on your record, the impact on your car insurance rate might depend on the severity of the violation. For example, speeding 20 mph over the speed limit would likely give you a much steeper increase than speeding 5 mph over the speed limit.
Repeat violations will have a more substantial impact, too.
Here’s a look at rates Volkswagen drivers with varying types of speeding tickets have found with Jerry’s help.

Speeding TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 1-5
Volkswagen Jetta SETravelers
$304
• 50,000/100,000 Liability
• Comp / Collision
Speeding 11-15
Volkswagen Jetta SAllstate
$169
• 50,000/100,000 Liability
• Comp / Collision
Speeding 6-10
Volkswagen Tiguan SNationwide
$81
• State Minimum Liability
• Comp / Collision
Volkswagen Tiguan STravelers
$140
• 250,000/500,000 Liability
• Comp / Collision
Ticket Violation Not Listed
Volkswagen Atlas Cross Sport SEBristol West
$61
• State Minimum Liability
coverageLast Updated Feb 19, 2024

Cheapest car insurance for Volkswagen drivers with a DUI

DUI convictions
often come with the steepest car insurance rate increases.
That said, drivers’ rates can still vary significantly from one provider to the next, which makes it a good idea to shop around for quotes.Jerry has helped many Volkswagen drivers obtain affordable auto insurance rates after a DUI.

card cover
May (32 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carVolkswagen Jetta SEL
$231
per month
card cover
Rosalie (40 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$190
per month
card cover
Adam (28 years old)
DUI
coverageCoverage
State Minimum
carVolkswagen Beetle 1.8T
$174
per month
card cover
Mable (27 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carVolkswagen GTI
$113
per month
card cover
Cameron (28 years old)
DUI
coverageCoverage
State Minimum
carVolkswagen GTI Sport
$306
per month

Cheapest car insurance for Volkswagen drivers after an accident

Your car accident or claim history will also have a significant effect on your Volkswagen car insurance rate. A recent at-fault accident could leave you paying significantly more for car insurance, but shopping around for car insurance quotes could help you find a lower rate.
The table below shows rates that other Volkswagen drivers with accidents on their records found with Jerry.

Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
Volkswagen Taos SEProgressive
$134
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Volkswagen Tiguan STravelers
$140
• 250,000/500,000 Liability
• Comp / Collision
At Fault With Injury
Volkswagen Touareg V6 TDIAAA
$128
• State Minimum Liability
• Comp / Collision
Not At Fault
Volkswagen Passat SAllstate
$143
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Volkswagen Golf Alltrack SNationwide
$190
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Feb 19, 2024

Cheapest car insurance for Volkswagen drivers with other driving violations on their record

Besides speeding tickets and DUIs, there are plenty of other types of driving violations that could leave you paying more for car insurance. 
From reckless driving to failure to yield to
driving on a suspended license
, here are rates that Volkswagen drivers with different violation types found with Jerry’s help.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Volkswagen JettaProgressive
$96
• State Minimum Liability
Defective Equipment
Volkswagen Jetta SEAllstate
$163
• 50,000/100,000 Liability
• Comp / Collision
Failure to Obey Signal
Volkswagen Jetta SNationwide
$108
• State Minimum Liability
• Comp / Collision
Wrong Way/Wrong Lane
Volkswagen Jetta GLISafeco
$303
• State Minimum Liability
• Comp / Collision
Cell Phone
Volkswagen Jetta SMercury
$177
• 30,000/60,000 Liability
• Comp / Collision
Careless Driving
Volkswagen Tiguan SEBristol West
$169
• 25,000/50,000 Liability
Driving on Sus. License
Volkswagen NEW Beetle GLSProgressive
$95
• No Coverage Liability
Failure to Obey Signal
Volkswagen Tiguan SAAA
$148
• State Minimum Liability
• Comp / Collision
Seat Belt
Volkswagen Jetta SPlymouth Rock
$109
• 15,000/30,000 Liability
• Comp / Collision
Improper Passing
Volkswagen Jetta SEBristol West
$166
• No Coverage Liability
coverageLast Updated Feb 21, 2024

How can I lower the cost of my Volkswagen car insurance?

There are all sorts of ways to minimize what you pay for {Volkswagen} car insurance. Courtesty of the experts at Jerry, here are some of our top tips:
  • Shop around: Since different car insurance companies use different methodologies to calculate rates,
    shopping around for insurance coverage
    and comparing quotes from multiple providers is one of the easiest ways to find savings on car insurance. Jerry makes this process even easier by fetching you quotes from over 50 top insurance companies in minutes. If you find an option you like, Jerry can even help you set up your new policy and cancel your old one.
  • Do some research before car shopping: If you’re buying a new Volkswagen, do some research on average insurance rates for different models. Vehicles with lower values and higher safety ratings and security features can often have lower insurance costs.
  • Bundle your insurance policies: Most providers will offer you a discount if you
    bundle your auto insurance
    with other insurance products, like your home or renters insurance policy. 
  • Enroll in a telematics program: Some providers offer discounts for participating in telematics programs that use devices to monitor your driving habits. If the data deems you a safe driver, you could qualify for a
    car insurance discount
    , and some may give you a discount just for signing up.
  • Reduce your coverage: If you have older cars lower in value, you can
    reduce coverage
    on them to lower your bill—if it makes sense for your situation. Dropping full coverage can be worth considering if your car’s value has fallen below the annual cost of your premium.
  • Raise your deductible: Your
    deductible
    is the amount of money you would need to pay out of pocket before your collision or comprehensive coverage would kick in. Choosing a higher deductible can help you reduce your monthly insurance costs.

FAQs

Thanks to generally good reliability and safety ratings, Volkswagens tend to be relatively affordable to insure. That said, Volkswagen insurance rates can vary significantly depending on the vehicle and trim level you choose.
Volkswagen offers Carefree Coverage as standard for all new models. This includes a new vehicle limited warranty of four years or 50,000 miles—whichever comes first.
This includes two years or 20,000 miles of scheduled maintenance, three years of roadside assistance, You can check in with your Volkswagen dealer or Volkswagen’s website for additional details and exclusions
The average cost for Volkswagen Jetta insurance is $179 for full coverage and $97 for state minimum coverage. 
Keep in mind that your actual Volkswagen Jetta insurance costs will depend on a variety of factors, like your Jetta’s model year and trim level, as well as information specific to you, like your age, location, driving record, and more.
The average cost for Volkswagen Tiguan insurance is $166 for full coverage and $91 for state minimum coverage. 
How much you’ll pay for VW Tiguan car insurance will depend on a variety of factors, like your trim level, model year, insurance history, location, driving record, age, and more.
The average cost for Volkswagen Beetle insurance is $152 for full coverage and $72 for state minimum coverage. 
Your actual Volkswagen Beetle costs will depend on various factors like its model year and trim level, as well as details specific to you, like your driving record, location, insurance history, and discounts you’re eligible for.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.