Volkswagen Car Insurance: How Much Is Volkswagen Insurance? 2026
On average, it costs about $188 per month to insure a Volkswagen, which adds up to around $2,262 per year.
We’ve saved shoppers an average of $600 per year on their car insurance.
Volkswagen car insurance currently averages about $1,910 to $2,513 per year nationwide, with lower rates for compact models like the Golf and higher rates for SUVs and performance models. Location, driving history, and trim level are the main factors that determine where a policy falls in that range.
Insurers also factor in safety features and repair costs—cars with strong safety ratings or lower expected repair bills typically cost less to insure, while urban drivers in states like California or New York often pay more.
How Much Does Volkswagen Insurance Cost?
On average, the monthly cost to insure a Volkswagen is $171, which adds up to approximately $2,262 annually. However, the price of your car insurance may vary depending on factors like your age, location, driving history, and the specific model of your vehicle.
What’s Changed In 2026?
- Average Volkswagen insurance premiums increased, raising typical monthly and annual costs.
- Major insurers remained primary options for Volkswagen owners, with direct and third‑party choices available.
- Usage‑based programs and telematics continued affecting individual Volkswagen premiums and discount eligibility.
- Some comparison sites reported competitive low‑cost options and model‑specific rate differences.
Insurance Cost Per Volkswagen Model
A key factor in determining your car insurance rate is the model that you drive. According to our analysis, the average cost of insuring a Volkswagen, across all models, is $2,262 per year.
The Volkswagen Tiguan is the cheapest model to insure, at $1,940 per year. On the other hand, the Volkswagen Arteon is the most expensive, at an average of $2,505 per year.
Use the table below to compare insurance rates for Volkswagen models.
| Volkswagen Model | Average Yearly Insurance Cost |
| Volkswagen Arteon | $2,505 |
| Volkswagen Atlas | $2,296 |
| Volkswagen Golf | $1,966 |
| Volkswagen Jetta | $2,484 |
| Volkswagen Passat | $2,381 |
| Volkswagen Tiguan | $1,940 |
Keep in mind that these numbers are averages, and the actual cost can differ based on where you live, your age, your driving record, and the type of coverage you select.
Are Volkswagens Expensive To Insure?
The national average cost of car insurance is $157 per month. Comparatively, insuring a Volkswagen averages $171 per month, slightly higher than the national average. However, since insurance rates are influenced more by specific car models than the brand overall, it’s essential to explore rates tailored to your Volkswagen model.
Volkswagen Arteon Insurance Cost
The average cost of insuring a Volkswagen Arteon across all model years, is $2,287 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Volkswagen Arteon | $3,767 |
| 2023 Volkswagen Arteon | $3,704 |
| 2021 Volkswagen Arteon | $1,164 |
| 2020 Volkswagen Arteon | $1,705 |
| 2019 Volkswagen Arteon | $1,095 |
Volkswagen Atlas Insurance Cost
The average cost of insuring a Volkswagen Atlas across all model years, is $1,034 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Volkswagen Atlas | $1,587 |
| 2023 Volkswagen Atlas | $1,022 |
| 2022 Volkswagen Atlas | $925 |
| 2021 Volkswagen Atlas | $778 |
| 2020 Volkswagen Atlas | $853 |
Volkswagen Golf Insurance Cost
The average cost of insuring a Volkswagen Golf across all model years, is $1,233 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Volkswagen Golf | $1,250 |
| 2021 Volkswagen Golf | $1,066 |
| 2020 Volkswagen Golf | $1,360 |
| 2019 Volkswagen Golf | $1,268 |
| 2018 Volkswagen Golf | $1,220 |
Volkswagen Jetta Insurance Cost
The average cost of insuring a Volkswagen Jetta across all model years, is $968 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Volkswagen Jetta | $1,696 |
| 2023 Volkswagen Jetta | $982 |
| 2022 Volkswagen Jetta | $923 |
| 2020 Volkswagen Jetta | $689 |
| 2019 Volkswagen Jetta | $550 |
Volkswagen Passat Insurance Cost
The average cost of insuring a Volkswagen Passat across all model years, is $948 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Volkswagen Passat | $955 |
| 2023 Volkswagen Passat | $991 |
| 2022 Volkswagen Passat | $1,142 |
| 2020 Volkswagen Passat | $769 |
| 2019 Volkswagen Passat | $883 |
Volkswagen Tiguan Insurance Cost
The average cost of insuring a Volkswagen Tiguan across all model years, is $840 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Volkswagen Tiguan | $1,280 |
| 2023 Volkswagen Tiguan | $894 |
| 2022 Volkswagen Tiguan | $573 |
| 2020 Volkswagen Tiguan | $572 |
| 2019 Volkswagen Tiguan | $883 |
Volkswagen Car Insurance Cost – By Driver Age
The rates you pay to insure a Volkswagen will differ dramatically based on driver age. Younger drivers tend to pay a lot more for car insurance because, statistically, they are much more likely to get into accidents.
As drivers get older, their insurance rates tend to drop until they turn about 60-70. Then their rates increase again.
| Age | Average Annual Rate |
| 17 | $7,767 |
| 18 | $7,237 |
| 19 | $6,409 |
| 20 | $5,579 |
| 21 | $4,687 |
| 22 | $4,551 |
| 23 | $3,995 |
| 24 | $3,799 |
| 25 | $3,278 |
| 30 | $2,542 |
| 35 | $2,378 |
| 40 | $2,302 |
| 45 | $2,229 |
| 55 | $2,058 |
| 65 | $2,143 |
| 75 | $2,704 |
Seeing the average cost is helpful, but it doesn’t tell you what your own policy actually protects. Curious what’s really in yours? Upload it to PolicyOwl and get a clear, plain-English breakdown in minutes.
Average Volkswagen Car Insurance Rates – By Company
| Insurance Provider | Average Monthly Premium |
| Progressive | $111 |
| USAA | $116 |
| GEICO | $123 |
| State Farm | $125 |
| Nationwide | $134 |
| Allied | $183 |
| Allstate | $205 |
Average Volkswagen Car Insurance Rates – By U.S. State
| State | Average Annual Rate |
| Alabama | $2,425 |
| Alaska | $1,879 |
| Arizona | $2,257 |
| Arkansas | $2,438 |
| California | $2,794 |
| Colorado | $2,564 |
| Connecticut | $3,366 |
| Delaware | $2,754 |
| Florida | $3,235 |
| Hawaii | $1,040 |
| Idaho | $1,794 |
| Illinois | $1,929 |
| Indiana | $1,967 |
| Iowa | $1,552 |
| Kansas | $2,128 |
| Kentucky | $3,049 |
| Louisiana | $3,870 |
| Maine | $1,469 |
| Maryland | $2,341 |
| Massachusetts | $1,833 |
| Michigan | $4,662 |
| Minnesota | $1,867 |
| Mississippi | $2,290 |
| Missouri | $2,153 |
| Montana | $2,200 |
| Nebraska | $1,874 |
| Nevada | $3,124 |
| New Hampshire | $2,173 |
| New Jersey | $2,345 |
| New Mexico | $2,312 |
| New York | $2,016 |
| North Carolina | $1,358 |
| North Dakota | $1,859 |
| Ohio | $1,669 |
| Oklahoma | $2,644 |
| Oregon | $2,424 |
| Pennsylvania | $2,040 |
| Rhode Island | $3,379 |
| South Carolina | $2,296 |
| South Dakota | $2,067 |
| Tennessee | $2,432 |
| Texas | $2,451 |
| Utah | $2,062 |
| Vermont | $1,476 |
| Virginia | $1,545 |
| Washington | $2,023 |
| West Virginia | $2,069 |
| Wisconsin | $1,997 |
| Wyoming | $1,888 |
| Georgia | $2,652 |
How To Save Money On Volkswagen Car Insurance?
Owning a Volkswagen involves various costs, with car insurance being one of the largest. However, there are ways to save on your insurance. Here’s how:
Maintain a Clean Driving Record
Your driving history is key for insurance companies in setting your premium. By staying accident-free and avoiding traffic tickets, you demonstrate to insurers that you’re a low-risk driver, which can greatly reduce your insurance costs.
Bundle Your Policies
Many insurance companies provide discounts if you bundle multiple policies, such as home and auto insurance. This makes managing your insurance easier and can help you save money on your premiums.
Raise Your Deductible
Raising your deductible—the amount you pay yourself before your insurance covers the rest—can reduce your premium. Just make sure you can handle the higher deductible if you need to make a claim.
Install Safety Features
Volkswagen cars already have many safety features, but adding extras like anti-theft devices can help lower your insurance costs even more by reducing the risk of theft and damage.
Take Advantage of Discounts
Insurance companies frequently provide discounts for being a good student, having a clean driving record, or completing a defensive driving course. Be sure to check with your insurer to see if you’re eligible for any of these discounts.
Shop Around
Insurance rates can differ a lot between companies. It’s a good idea to compare quotes to find the insurer that gives you the best deal for your needs.
Consider Usage-Based Insurance
If you don’t use your Volkswagen much, consider a usage-based insurance policy. This type of insurance adjusts your premium based on how much you drive, which can help you save money if your Volkswagen isn’t your primary car.
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile was for a 40-year-old male driver buying full-coverage car insurance with these coverage limits: $100,000 in property damage liability, $100k in bodily injury liability and a $1,000 deductible. However, the figures in this guide may differ from your own individual results
FAQs
What Is The Most Expensive Volkswagen Model To Insure?
At $2,505 per year, the Volkswagen Arteon is the most expensive Volkswagen model for car insurance.
What Is The Cheapest Volkswagen Model To Insure?
The Volkswagen Tiguan is the cheapest model for car insurance, at $1,940 per year.
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.