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 25422 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 25422 Volkswagen drivers save an average of $2,649 on their car insurance!

Here’s a look at rates actual Volkswagen drivers have found with Jerry.

Date	Car	Insurance Company	Premium (monthly)	Customer Details	Insurance coverage	Has Full Coverage
January 18, 2025	Volkswagen Atlas Cross Sport Se	National General	$194	Garrett, 50, San Jose, CA	30/60	Yes
January 18, 2025	Volkswagen Jetta Sel	Bristol West	$106	Jonathan, 37, Winters, TX	State Minimum	Yes
January 18, 2025	Volkswagen Tiguan R-Line	Anchor General	$82	Craig, 66, Oceanside, CA	30/60	No
January 18, 2025	Volkswagen Cc Sport	Bristol West	$618	Ricky, 23, Lodi, NJ	25/50	No
January 18, 2025	Volkswagen Jetta S	The General	$100	Johnny, 42, Tumwater, WA	State Minimum	No

Last Updated Jan 20, 2025

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 Company	Overall Rating	Price	Claims Experience	Customer 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

Insurance costs for popular Volkswagen models

One of many factors that determines your auto insurance cost is what Volkswagen model you drive. Your rate may be influenced by details like your vehicle’s:

• Safety features: More advanced safety features and high safety ratings usually translate to lower insurance costs. 2023 Volkswagen Golf Rs, ID.4s, and Tiguans all earned Top Safety Pick + ratings from the Insurance Institute for Highway Safety (IIHS), making them good candidates for saving in the name of safety.
• Vehicle value: The higher your vehicle’s value, the more it will likely cost to replace—meaning you might pay more for full coverage on a new Golf R than you would on a new Taos.
• Vehicle class: SUVs are often one of the most affordable vehicle types to insure, while hybrids, EVs, sedans, and luxury vehicles can cost more.
• Engine size: Engines with more horsepower can be appealing to performance-oriented drivers, but they can also come with a higher risk for speeding and other violations. As a result, more powerful Volkswagen engines may come with higher insurance costs.
• Availability of replacement parts: If you drive an older or less common Volkswagen, it may be more difficult to source certain replacement parts, which could raise your car insurance costs.
• Cost of repairs: Typical costs for your particular Volkswagen when various types of repairs are needed will also affect your insurance costs. When the electric ID. Buzz is available, for example, certain electrical components may come with higher repair costs.

Take a look at average car insurance costs for various types of Volkswagen models.

Car	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Volkswagen Jetta	$97	$179
Volkswagen Passat	$96	$189
Volkswagen Tiguan	$91	$166
Volkswagen GTI	$83	$187
Volkswagen CC	$105	$196
Volkswagen Golf	$86	$143
Volkswagen Atlas	$77	$169

Keep in mind: The amount and types of coverage you choose for your Volkswagen will also affect your cost of insurance.

Minimum coverage insurance is the minimum amount of car insurance coverage required by law in your state. Usually, this will consist of a low amount of liability insurance, including bodily injury liability and property damage liability. In no-fault states, you might also see additional minimum requirements, such as for personal injury protection (PIP).

Full-coverage insurance, in addition to your state’s minimum requirements, will usually add collision and comprehensive coverage to your policy, which will help cover damage to your own vehicle under a variety of circumstances. Depending on the provider and your state, it might also include coverage types like PIP, uninsured motorist coverage, or medical payments (MedPay) coverage.

Volkswagen ID.4 insurance costs

The Volkswagen ID.4’s practical features make it an appealing EV for the masses—but you’ll want to anticipate insurance costs before you decide to buy one yourself.On average, Volkswagen ID.4 insurance costs $171 per month for full coverage

Trim level won’t only affect your Volkswagen ID.4’s purchase price—it could also affect your car insurance rate, since higher trim levels can come with higher values and extra features that would be more costly to replace.

Here’s a rundown of the trim levels available on the 2024 Volkswagen ID.4:

• Standard: Starting at $38,995, the ID.4 Standard has an EPA-estimated range of 209 miles, a 62kWh battery, heated front seats, IQ.DRIVE driver assistance features, and wireless charging capabilities.
• Pro: Starting at $43,995, the Pro offers the longest range available on the ID.4: up to 275 miles. It also has an 82kWh battery, heated front seats and a heated windshield, and DC fast-charging capability, plus a trailer hitch and up to 295 hp if you opt for all-wheel drive.
• S: Starting at $43,995, the 2023 Volkswagen S upgrades the alloy wheels from 19 inches to 20 inches. It also adds a panoramic glass roof, heated steering wheel, and hands-free power liftgate. It has an EPA-estimated range of 209 miles.
• Pro S: Starting at $48,995, the 2023 Volkswagen ID.4 Pro S has many of the same offerings, but with the larger 82 kWh battery back for a longer range of up to 275 miles.
• Pro S Plus: Starting at $51,445, the 2023 Volkswagen ID.4 Pro S Plus offers the maximum battery range of up to 275 miles, heated front and rear seats, three-zone automatic climate control, and a rear-view camera system with area view.

Volkswagen Beetle insurance costs

Volkswagen’s most iconic car, the Beetle, offers solid fuel economy and a comfortable interior—making it an ideal choice for compact car drivers.

According to Jerry’s data, the average Volkswagen Beetle insurance policy costs $152 for full coverage per month and $75 for state-minimum coverage. But keep in mind your own Beetle car insurance costs will depend on factors like its model year, your driving record, the coverage options you choose, and more

The last model year for the Volkswagen Beetle was 2019. Here’s how those trim levels break down:

• S: Originally starting at $20,895, the 2023 Volkswagen Beetle S has 16-inch alloy wheels, blind spot monitor, and Bluetooth capability. The standard engine is a 2.0L turbo with up to 174 hp.
• Final Edition SE: Originally starting at $23,045, the Beetle Final Edition SE sports a panoramic sunroof, leatherette upholstery, 17-inch alloy wheels, and heated front seats.
• SE: Originally starting at $24,395, the 2023 Volkswagen Beetle SE features dual-zone climate control, push-button start, and a 6.30-inch touchscreen infotainment system.
• Final Edition SEL: Originally starting at $25,995, the 2019 Volkswagen Beetle Final Edition SEL dons 18-inch alloy wheels, sport seats, daytime running lights, and park distance control.

Take a look at average insurance costs for the various Volkswagen Beetle trim levels.

Check out some real insurance quotes from Volkswagen Beetle drivers.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
Volkswagen Beetle 1.8T	Electric	$102	Frances, 25, Cedar Park, TX	State Minimum	No
Volkswagen Beetle S/Se	National General	$159	Logan, 40, Laguna Beach, CA	30/60	Yes
Volkswagen Beetle	Safeco	$162	Jeremy, 36, Raleigh, NC	50/100	Yes
Volkswagen Beetle	Progressive	$258	Celia, 41, Newark, NJ	25/50	Yes
Volkswagen Beetle	Progressive	$117	Dean, 76, South Windsor, CT	State Minimum	No

Last Updated Jan 19, 2025

Volkswagen Jetta insurance cost

A relatively comfortable cabin, good fuel economy, and accessible starting price make the Volkswagen Jetta a strong contender for drivers looking for their next sedan.

On average, Volkswagen Jetta insurance costs $179 per month for full coverage and $97 per month for state minimum coverage. Costs vary based on trim model, driver profiles, and other factors.

The 2024 Volkswagen Jetta has four available trim levels:

• S: Starting at $20,665, the 2023 Volkswagen Jetta S offers forward collision warning and autonomous emergency braking, an 8-inch digital infotainment screen, and LED headlights and taillights.
• Sport: Starting at $21,555, the 2023 Volkswagen Jetta Sport comes with 17-inch alloy wheels, front sport seats, black interior and exterior accents, a 6-speed manual transmission, and an XDS cross differential system.
• SE: Starting at $24,385, the 2023 Volkswagen Jetta SE features IQ.DRIVE driver assistance features, a push-button start, and heated front seats.
• SEL: Starting at $28,385, the 2023 Volkswagen Jetta SEL offers leather seating, heated and ventilated front seats, heated second-row seats, a panoramic sunroof, and wireless charging capability.

The table below shows how average insurance costs for Volkswagen Jetta trim levels compare.

Check out some real insurance quotes from Volkswagen Jetta drivers.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
Volkswagen Jetta Sel	Commonwealth Insurance	$89	Josie, 24, Arlington, TX	State Minimum	No
Volkswagen Jetta Se	Progressive	$249	Max, 22, Shreveport, LA	State Minimum	No
Volkswagen Jetta S	Progressive	$110	Nell, 26, Glendale, AZ	State Minimum	Yes
Volkswagen Jetta Se	Progressive	$139	Olga, 43, Palm Bay, FL	State Minimum	Yes
Volkswagen Jetta Base	Bristol West	$248	Luis, 35, Winthrop, MA	State Minimum	No

Last Updated Jan 14, 2025

Volkswagen Golf R insurance costs

The Golf R offers many of the perks available from the Golf GTI—but with more performance potential. The 2023 Golf R can generate up to 315 hp, comes with all-wheel drive as a default, and has a standard 6-speed manual transmission.

For the 2023 model year, its higher starting MSRP may leave you paying more for insurance than cheaper VW models, but on the other hand, its status as a Top Safety Pick+ with the IIHS may benefit you.

On average, it costs $161 per month to buy full coverage car insurance for a Volkswagen Golf R and $119 per month for state minimum coverage.

The 2023 Volkswagen Golf R comes in just two trims:

• Golf R: Starting at $44,740, the base 2023 Volkswagen Golf R features 4MOTION all-wheel drive, a torque vectoring system, a panoramic sunroof, three-zone automatic climate control, and a premium Harman Kardon audio system.
• Golf R 20th Anniversary Edition: Starting at $45,390, the 2023 Volkswagen Golf R 20th Anniversary Edition omits the sunroof and adds various cosmetic details like “20 Years” logos and carbon fiber interior trim.

Here is average insurance cost of Volkswagen Golf R.

The table below shows real quotes for Volkswagen Golf Rs that drivers found with Jerry.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
Volkswagen Golf S	Embark General	$310	Shawn, 28, Leominster, MA	State Minimum	Yes
Volkswagen Golf	Progressive	$309	Dorothy, 30, Staten Island, NY	State Minimum	No
Volkswagen Golf S	National General	$439	Martha, 23, Huntington Beach, CA	30/60	Yes
Volkswagen Golf S	Progressive	$192	Eliza, 29, Apache Junction, AZ	50/100	Yes
Volkswagen Golf R	National General	$59	George, 28, Reidsville, NC	State Minimum	Yes

Last Updated Jan 19, 2025

Volkswagen Tiguan insurance costs

The Volkswagen Tiguan sports a spacious interior, offers just enough comfort at the base level to satisfy most drivers, and makes for a relatively affordable compact crossover.

Combine that with its high safety ratings for the 2023 model year, and it’s possible choosing this Volkswagen model could help keep your car insurance costs low.

The average cost for Volkswagen Tiguan insurance is $166 per month for full coverage and $91 per month for state minimum coverage.

The 2024 Volkswagen Tiguan is available in four different trim levels:

• S: Starting at $26,950, the 2023 Volkswagen Tiguan S offers Front Assist and Blind Spot Monitor, LED headlights and taillights, LED daytime running lights, a seating capacity of seven, heated front seats, and second-row air vents.
• SE: Starting at $30,580, the 2023 Volkswagen Tiguan SE adds a power liftgate, wireless charging capability, remote start, and dual-zone automatic climate control.
• SE R-Line Black: Starting at $33,310, the 2023 Volkswagen Tiguan SE R-Line Black has many of the same features as the SE trim but adds cosmetic details like black accents and R-Line badging. The panoramic sunroof that’s optional on the SE trim is standard with the SE R-Line.
• SEL R-Line: Starting at $37,680, the 2023 Volkswagen Tiguan SE R-Line offers the most comfort and convenience features, which include a premium Fender audio system, ventilated front seats, heated and power-folding side mirrors, and a hands-free power liftgate.

Here is average insurance cost of Volkswagen Tiguan based on trim levels

Check out these average Tiguan insurance costs and real quotes that VW drivers found with Jerry.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
Volkswagen Golf S	Embark General	$310	Shawn, 28, Leominster, MA	State Minimum	Yes
Volkswagen Golf	Progressive	$309	Dorothy, 30, Staten Island, NY	State Minimum	No
Volkswagen Golf S	National General	$439	Martha, 23, Huntington Beach, CA	30/60	Yes
Volkswagen Golf S	Progressive	$192	Eliza, 29, Apache Junction, AZ	50/100	Yes
Volkswagen Golf R	National General	$59	George, 28, Reidsville, NC	State Minimum	Yes

Last Updated Jan 19, 2025

Are Volkswagens more expensive to insure?

Compared to the average cost of other cars, Volkswagen vehicles cost 0% more to insure.

Car Make	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Pontiac	$87	$142
Saturn	$88	$150
Ford	$92	$170
Volkswagen	$93	$176
Mercedes-Benz	$100	$208

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 Make	Average Monthly State Minimum Insurance Cost	Average Monthly Full Coverage Insurance Cost
2010 Volkswagen Touareg	$77	$184
2011 Volkswagen Routan	$77	$198
2013 Volkswagen Routan	$77	$147
2022 Volkswagen Volkswagon Taos	$77	$163
2021 Volkswagen Tiguan	$77	$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 Make	Average Monthly State Minimum Insurance Cost	Average Monthly Full Coverage Insurance Cost
2011 Volkswagen CC	$138	$209
2021 Volkswagen Passat	$136	$243
2013 Volkswagen CC	$135	$240
2023 Volkswagen Tiguan	$126	$197
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.

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.

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 Type	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
Speeding Violation-Minor	Volkswagen Passat Se	Progressive	$93	Callie, 28, Unionville, VA	50/100	Yes
Speeding 1-5	Volkswagen Jetta S	The General	$100	Roy, 42, Olympia, WA	State Minimum	No
Speeding Violation-Major	Volkswagen Passat Sel	National General	$200	Alan, 25, North Charleston, SC	State Minimum	No
Speeding Violation-Major	Volkswagen Tiguan Se	National General	$238	Jesse, 26, Chattanooga, TN	State Minimum	Yes
Speeding Violation-Major	Volkswagen Gti	Dairyland	$105	Tony, 21, Sumas, WA	State Minimum	No

Last Updated Jan 19, 2025

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.

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 type	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
At Fault With Injury	Volkswagen Golf S	National General	$439	Ada, 23, Huntington Beach, CA	30/60	Yes
At Fault With No Injury	Volkswagen Jetta R-Line	Progressive	$340	Josephine, 24, Draper, UT	100/300	Yes
At Fault With No Injury	Volkswagen Jetta Sport	Progressive	$100	Michael, 25, Fort Hood, TX	State Minimum	No
Not At Fault	Volkswagen Jetta Base	National General	$206	Derek, 45, Exton, PA	State Minimum	Yes
Not At Fault	Volkswagen Touareg Tdi	Bristol West	$132	Carl, 61, Pleasant Hill, MO	State Minimum	No

Last Updated Jan 15, 2025

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.

Violation	Car Make Model Trim	Insurance Company	Monthly Quote	Customer	Liability Limits	Has Full Coverage
Suspension	Volkswagen Jetta Se	Progressive	$139	Olga, 43, Palm Bay, FL	State Minimum	Yes
Failure to Obey Signal	Volkswagen Passat Se	Progressive	$216	Harold, 26, Las Vegas, NV	State Minimum	No
Seat Belt	Volkswagen Gti	Aspire Advantage	$51	Edwin, 49, Oakhurst, CA	30/60	No
Improper Passing	Volkswagen Tiguan Se	Electric	$195	Nathan, 34, Franklin, TN	100/300	Yes
Other Major	Volkswagen Tiguan Se	Gainsco	$563	Lizzie, 46, Portland, OR	State Minimum	Yes

Last Updated Jan 14, 2025

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. Courtesy 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.