Volkswagen Insurance Rates

The average cost of car insurance for a Volkswagen model is about $1,738 per year.

This is $329 better than other popular brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact Volkswagen insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

These Volkswagen insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Insurance Cost per Volkswagen Model

Model Good Driver Recent Accident Poor Credit
Volkswagen Arteon Insurance Cost $2,020 $3,009 $3,557
Volkswagen Atlas Insurance Cost $1,682 $2,505 $2,961
Volkswagen Golf Insurance Cost $1,564 $2,330 $2,754
Volkswagen Golf GTI Insurance Cost $1,816 $2,705 $3,198
Volkswagen Jetta Insurance Cost $1,804 $2,687 $3,177
Volkswagen Passat Insurance Cost $1,737 $2,587 $3,058
Volkswagen Tiguan Insurance Cost $1,545 $2,302 $2,721

The cost to insure a Volkswagen model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a Volkswagen, then see our insurance analysis and rankings for other makes and models here.

Volkswagen Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $5,889 $8,771 $10,368
18 $5,488 $8,174 $9,662
19 $4,850 $7,223 $8,539
20 $4,229 $6,298 $7,445
21 $3,546 $5,282 $6,243
22 $3,454 $5,144 $6,081
23 $3,022 $4,501 $5,321
24 $2,871 $4,276 $5,054
25 $2,477 $3,690 $4,362
30 $1,930 $2,875 $3,398
35 $1,808 $2,692 $3,183
40 $1,738 $2,589 $3,061
45 $1,692 $2,520 $2,978
55 $1,551 $2,311 $2,732
65 $1,619 $2,410 $2,849
75 $2,043 $3,043 $3,596

Volkswagen auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Volkswagen models by state.

Average Volkswagen Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $1,842 $2,580 $3,229
Alaska $1,524 $2,219 $2,325
Arizona $1,722 $2,672 $3,810
Arkansas $1,888 $2,860 $3,200
California $2,103 $3,677 $2,103
Colorado $1,962 $2,716 $3,388
Connecticut $2,507 $3,875 $4,964
Delaware $2,075 $2,857 $3,793
Florida $2,471 $3,356 $4,375
Georgia $2,015 $3,105 $3,186
Hawaii $805 $1,110 $805
Idaho $1,398 $1,882 $2,342
Illinois $1,464 $2,163 $2,508
Indiana $1,503 $2,349 $2,741
Iowa $1,191 $1,786 $2,081
Kansas $1,584 $2,332 $2,763
Kentucky $2,290 $3,445 $4,051
Louisiana $2,940 $4,493 $4,837
Maine $1,111 $1,491 $2,176
Maryland $1,799 $2,638 $3,115
Massachusetts $1,443 $2,440 $1,443
Michigan $3,481 $5,234 $8,048
Minnesota $1,433 $1,925 $2,850
Mississippi $1,730 $2,613 $2,760
Missouri $1,630 $2,245 $2,904
Montana $1,657 $2,593 $2,860
Nebraska $1,401 $1,983 $2,256
Nevada $2,311 $3,488 $3,827
New Hampshire $1,607 $2,591 $3,299
New Jersey $1,771 $2,792 $3,602
New Mexico $1,809 $2,603 $2,923
New York $1,675 $2,181 $3,522
North Carolina $1,038 $1,677 $1,292
North Dakota $1,421 $2,187 $2,777
Ohio $1,267 $2,072 $2,147
Oklahoma $2,024 $3,038 $3,446
Oregon $1,841 $2,781 $3,190
Pennsylvania $1,551 $2,345 $2,692
Rhode Island $2,589 $3,973 $4,545
South Carolina $1,758 $2,545 $3,631
South Dakota $1,578 $2,171 $2,605
Tennessee $1,856 $2,776 $3,502
Texas $1,869 $2,750 $3,452
Utah $1,590 $2,298 $3,170
Vermont $1,224 $1,957 $2,139
Virginia $1,153 $1,736 $1,844
Washington $1,526 $2,292 $2,703
West Virginia $1,536 $2,236 $2,761
Wisconsin $1,531 $2,235 $2,714
Wyoming $1,429 $2,100 $2,348

Other Important Volkswagen Ownership Costs

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on depreciation, maintenance and financing for all Volkswagen models. These will provide you with even more knowledge before making such an important financial decision.

Ready to start shopping for a Volkswagen? We have millions of new and used vehicles listed. Here are some Volkswagen models for sale in your area.

Have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.