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The average cost of Volkswagen car insurance is $2,556 per year. But the exact cost of Volkswagen insurance varies based on your model, driving record, and location—and your insurance company.
No one insurance provider is the best option for every Volkswagen driver. A 2023 Volkswagen ID.4 driver from Vermont will likely have quite different insurance needs than a 2016 Volkswagen Golf driver in Utah. And different providers will offer different rates based on additional factors like your age, claims history, and driving record.
So, how can you possibly find cheap car insurance that’s right for your Volkswagen?
With the Jerry app, of course! As a licensed insurance broker, Jerry makes it easier than ever to gather customized quotes from top insurance providers to find the right coverage at the right rate. Read on to learn about the factors that can have an impact on your Volkswagen car insurance costs—and how you can find the best deals.
How much does Volkswagen car insurance cost?
The average annual cost of car insurance coverage for a Volkswagen vehicle is $2,556 However, insurance premiums for Volkswagen drivers are influenced by factors like the model you’re driving, your driving history, coverage limits, and location.
Generally speaking, Volkswagen car insurance costs tend to be inexpensive and relatively comparable to national averages. Here are a few reasons why:
- Volkswagens have good reputations for overall reliability, reducing the likelihood that drivers will need to make claims
- Volkswagens frequently receive good safety ratings
- Volkswagen repair costs tend to be relatively standard or inexpensive
There’s a lot more that can affect your insurance rate than your vehicle’s make. Your Volkswagen’s model, age, value, and safety features are all factors that can influence your annual premium.
Since different insurance providers value different factors when determining rates, the best way to find savings on car insurance is to gather and compare multiple quotes from different providers. The Jerry app makes that easier than ever!
Once you’ve downloaded the app, it only takes about 45 seconds to answer a few basic questions, which Jerry will then use to show you customized quotes from the nation’s top providers, all in one spot. From there, you can pick the right coverage for you at the right rate.
How much insurance do you need for a Volkswagen?
Your particular insurance needs will depend on a lot of factors, including the age of your Volkswagen and what state you live in.
To register your vehicle, you’ll need to have your state’s legally required minimum car insurance. Those requirements will vary, but they’ll typically include a combination of bodily injury liability and property damage liability coverage.
In addition to liability coverage, you may also need all or some of the following coverages:
- Personal injury protection (PIP): Covers certain medical expenses for you and your passengers (required in no-fault states)
- Medical payments (MedPay) coverage: Also covers certain medical expenses for you and your passengers
- Uninsured/underinsured motorist coverage: Provides coverage if you’re in a collision with another driver who doesn’t have sufficient liability insurance
While having your state’s minimum required insurance is a good start, in many cases, you need additional coverage. It’s especially worth considering collision and comprehensive coverage.
Collision coverage will help cover damage to your vehicle after an accident, while comprehensive coverage covers a range of other expected events, from vandalism to hail damage and more. When combined with the above coverage, this is referred to as “full coverage.”
If you have a car loan for your Volkswagen purchase, you will be required to purchase a minimum amount of insurance for the loan to be approved. This could include gap insurance, which would cover the difference between your car’s value and the amount left on your loan the if vehicle were totaled.
Curious to know what kind of Volkswagen insurance quotes you could find with Jerry? Take a look at the table below—and hear from real Jerry customers!
| Quote Date | Car | Before Jerry | After Jerry | Location | Zip Code | Name | Age | Insurance Company |
|---|---|---|---|---|---|---|---|---|
| March 18, 2023 | Volkswagen Jetta Base | $230/mo. | $137/mo. | San Marcos, TX | 78666 | William G. | 48 | Progressive |
| March 17, 2023 | Volkswagen Jetta S | $370/mo. | $161/mo. | Murfreesboro, TN | 37129 | Nora W. | 24 | Progressive |
| March 15, 2023 | Volkswagen Tiguan SE | $184/mo. | $72/mo. | Pflugerville, TX | 78660 | Clayton M. | 40 | Progressive |
| March 14, 2023 | Volkswagen Jetta Wolfsburg | $70/mo. | $63/mo. | Bell Gardens, CA | 90201 | Leo W. | 27 | National General |
| March 4, 2023 | Volkswagen Jetta S | $595/mo. | $254/mo. | Orlando, FL | 32818 | Maurice C. | 19 | Dairyland |
Volkswagen car insurance rates by model
The kind of Volkswagen you drive can have a big impact on how much your car insurance costs. Generally speaking, you can expect to pay more for high-value and heavier-duty vehicles, while smaller vehicles and those with extensive safety features often will have lower premium costs.
Still, there’s plenty of room for variation. Here’s a look at some of Volkswagen’s most popular models, and how their characteristics can have an impact on car insurance costs.
How much does Volkswagen ID.4 insurance cost?
As an SUV, the Volkswagen ID.4 comes with a larger size and a higher price tag than other vehicles on Volkswagen’s lineup. As such, you can typically expect insurance costs to be more expensive, too.
The table below shows how average insurance costs for ID.4 drivers can vary based on the coverage level chosen and the vehicle’s age:
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2022 Volkswagen Id.4 Pro S | $1,619 | $2,139 |
| 2021 Volkswagen Id.4 Pro S | $1,675 | $1,600 |
| 2020 Volkswagen Id.4 Pro S | $2,372 | $1,584 |
| 2019 Volkswagen Id.4 Pro S | $1,940 | $1,536 |
| 2018 Volkswagen Id.4 Pro S | $2,743 | $1,732 |
For more information, check out our in-depth guide to Volkswagen ID.4 insurance costs!
How much does Volkswagen Beetle insurance cost?
As one of Volkswagen’s most iconic cars, the Volkswagen Beetle tends to earn high marks for its overall reliability, and its compactness translates to a good fuel economy.
But just how much does a Beetle cost to insure? Your insurance costs might differ from the average rate. The table below shows how Beetle insurance costs can vary depending on model year and coverage level:
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2022 Volkswagen Beetle | $1,619 | $2,139 |
| 2021 Volkswagen Beetle | $1,675 | $1,600 |
| 2020 Volkswagen Beetle | $2,372 | $1,584 |
| 2019 Volkswagen Beetle | $1,940 | $1,536 |
| 2018 Volkswagen Beetle | $2,743 | $1,732 |
For more information, check out our in-depth guide to Volkswagen Beetle insurance costs!
How much does Volkswagen Jetta insurance cost?
The Volkswagen Jetta offers a generous amount of passenger and storage space for a compact car, and it tends to score well for its safety features.
The Volkswagen Jetta also happens to be one of Volkswagen’s least expensive vehicles, and a lower MSRP often translates to a lower insurance premium.
Here’s the breakdown of average annual premiums for Jetta owners:
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2022 Volkswagen Jetta Base | $1,619 | $2,139 |
| 2021 Volkswagen Jetta Base | $1,675 | $1,600 |
| 2020 Volkswagen Jetta Base | $2,372 | $1,584 |
| 2019 Volkswagen Jetta Base | $1,940 | $1,536 |
| 2018 Volkswagen Jetta Base | $2,743 | $1,732 |
For more information, check out our in-depth guide to Volkswagen Jetta insurance costs!
How much does Volkswagen Passat insurance cost?
The Volkswagen Passat is a solid midsize car for most everyday driving purposes, and it offers a good amount of cabin and cargo space.
As with any other model, your insurance rate will vary based on its age, your driving record, and the level of coverage you pick. Here’s how Passat car insurance costs can look based on different factors:
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2018 Volkswagen Passat S | $1,671 | $4,760 |
| 2016 Volkswagen Passat S | $2,441 | $1,396 |
| 2015 Volkswagen Passat S | $1,412 | $1,792 |
| 2014 Volkswagen Passat S | $1,893 | $1,119 |
| 2013 Volkswagen Passat S | $2,262 | $1,334 |
For more information, check out our in-depth guide to Volkswagen Passat insurance costs!
How much does Volkswagen Tiguan insurance cost?
For compact SUV fans, the Volkswagen Tiguan is relatively well-liked for its overall reliable handling, relatively spacious cargo area, and third-row seating option. It also tends to be one of the more inexpensive Volkswagens to insure, which is at least partially thanks to good vehicle safety ratings.
Here’s a look at how insurance costs for the Volkswagen Tiguan can vary:
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2022 Volkswagen Tiguan S | $1,619 | $1,501 |
| 2019 Volkswagen Tiguan S | $1,901 | $1,812 |
| 2018 Volkswagen Tiguan S | $1,741 | $1,433 |
| 2017 Volkswagen Tiguan S | $2,354 | $1,748 |
| 2016 Volkswagen Tiguan S | $1,913 | $1,277 |
For more information, check out our in-depth guide to Volkswagen Tiguan insurance costs!
Compare Volkswagen car insurance quotes
These days, you don’t have to gather car insurance quotes one by one to find savings on your Volkswagen’s annual premium.
With the Jerry app, all you need to do is answer a few short questions upfront to start comparing customized quotes from top car insurance providers, all in one spot!
Not only can this save you a ton of time and money, but since Jerry is a licensed insurance broker, you can trust you’re getting accurate information. While you weigh your options, our friendly, experienced team of agents are only a call, text, or tap away in the app when you have questions.
“I had a great experience using Jerry for the first time. Once my boyfriend buys his new car, we’ll use Jerry together to make sure he doesn’t end up overpaying on new insurance!” —Stephanie S.
Best car insurance companies for your Volkswagen
While you may find some of the best car insurance rates from Travelers, Nationwide, and Progressive, there’s no single insurance provider that offers the lowest premium for every kind of Volkswagen.
Your vehicle make and model is just one factor that impacts your car insurance costs. Different providers will weigh factors more heavily, and their formulas can be subject to change. Different aspects of your driving profile might also make you eligible for more discounts with certain providers than others.
Since there can be so many variables at play, the most efficient way to find the best car insurance coverage option for your Volkswagen is to gather and compare multiple quotes from different providers. If that sounds like a lot of work, it doesn’t have to be! The Jerry app helps you instantly gather customized quotes from top insurance providers, all in one place—making it faster and easier than ever to find the right policy.
Here’s a look at average Volkswagen insurance costs based on provider—and how much you could save with Jerry!
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Dairyland | $3,379 | $1,061 | |
| National General | $2,953 | $1,002 | |
| Allstate | $2,975 | $952 | |
| Kemper | $2,704 | $935 | |
| Clearcover | $2,665 | $882 | |
| Safeco | $2,881 | $872 | |
| Progressive | $2,718 | $840 | |
| State Auto | $2,740 | $839 | |
| Nationwide | $2,575 | $734 | |
| Travelers | $2,589 | $689 | |
| Compare Prices | |||
Volkswagen auto insurance cost by driving record
It’s not just your Volkswagen model that will determine your car insurance costs—your driving record will also have some major influence.
Basically, responsible drivers present a lower risk for insurance companies. That’s not to say you can’t find insurance if you have a less-than-stellar driving history, but it often makes premiums more expensive.
Volkswagen owners with a DUI conviction can often expect to pay $2,556 more per year for car insurance, while a speeding ticket can add an average of $1,736 to your annual premium!
The bottom line? Drive safely, and you can expect a lower premium.
Take a look at the table below to get a sense of what Volkswagen car insurance rates can look like based on your driving record.
Volkswagen car insurance cost by location
Finally, your location is yet another factor that will have an impact on how much your Volkswagen car insurance premium costs. Where you live can affect what kinds of risks your car might face, whether that’s a higher chance of collisions due to heavy traffic, the potential for car theft, certain natural disasters, and more.
As such, New York car insurance costs will be different than Montana car insurance costs.
So, what do average car insurance rates look like in your state? Find out by taking a look through the table below:
| City | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Atlanta | $3,297 | $882 | |
| Austin | $2,564 | $850 | |
| Dallas | $2,733 | $845 | |
| Houston | $2,634 | $756 | |
| Jacksonville | $3,128 | $1,017 | |
| Los Angeles | $2,929 | $1,048 | |
| Orlando | $3,895 | $1,342 | |
| Philadelphia | $3,471 | $1,152 | |
| Phoenix | $2,231 | $597 | |
| San Antonio | $2,465 | $816 | |
| Compare Prices | |||
By R.E. Fulton
Updated on Mar 22, 2023
Reviewed by Kathleen Flear, Director of Content.
