Volkswagen Insurance Rates

The average cost of car insurance for a Volkswagen model is about $1,612 per year.

This is $282 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. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts. 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

Volkswagen insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Insurance Cost per Volkswagen Model

Model Good Driver Recent Accident Poor Credit
Volkswagen Arteon Insurance Cost $1,732 $2,543 $2,975
Volkswagen Atlas Insurance Cost $1,599 $2,348 $2,747
Volkswagen Golf Insurance Cost $1,438 $2,111 $2,470
Volkswagen Golf GTI Insurance Cost $1,728 $2,537 $2,968
Volkswagen Jetta Insurance Cost $1,716 $2,519 $2,947
Volkswagen Passat Insurance Cost $1,651 $2,424 $2,836
Volkswagen Tiguan Insurance Cost $1,420 $2,085 $2,439

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 $5,460 $8,017 $9,379
18 $5,088 $7,471 $8,740
19 $4,497 $6,603 $7,724
20 $3,921 $5,757 $6,735
21 $3,288 $4,828 $5,648
22 $3,202 $4,702 $5,501
23 $2,802 $4,114 $4,813
24 $2,662 $3,908 $4,572
25 $2,297 $3,373 $3,946
30 $1,789 $2,628 $3,074
35 $1,676 $2,461 $2,879
40 $1,612 $2,367 $2,769
45 $1,568 $2,303 $2,694
55 $1,438 $2,112 $2,471
65 $1,501 $2,203 $2,578
75 $1,894 $2,781 $3,253

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 $1,708 $2,481 $3,157
Alaska $1,413 $1,958 $1,903
Arizona $1,597 $2,308 $3,401
Arkansas $1,751 $2,751 $3,029
California $1,949 $3,447 $1,949
Colorado $1,819 $2,546 $3,230
Connecticut $2,324 $3,605 $4,575
Delaware $1,924 $2,564 $3,294
Florida $2,291 $3,169 $4,130
Georgia $1,868 $2,793 $2,816
Hawaii $746 $1,013 $746
Idaho $1,296 $1,718 $2,089
Illinois $1,357 $2,051 $2,338
Indiana $1,394 $2,131 $2,391
Iowa $1,104 $1,514 $1,780
Kansas $1,469 $2,137 $2,500
Kentucky $2,123 $3,117 $3,681
Louisiana $2,726 $4,120 $4,467
Maine $1,031 $1,425 $2,104
Maryland $1,668 $2,428 $2,696
Massachusetts $1,338 $2,334 $1,338
Michigan $3,228 $4,919 $7,759
Minnesota $1,329 $1,772 $2,495
Mississippi $1,604 $2,288 $2,303
Missouri $1,511 $2,161 $2,839
Montana $1,537 $2,144 $2,496
Nebraska $1,299 $1,921 $2,087
Nevada $2,143 $3,178 $3,357
New Hampshire $1,490 $2,357 $2,979
New Jersey $1,642 $2,576 $3,371
New Mexico $1,677 $2,494 $2,589
New York $1,553 $1,956 $3,265
North Carolina $963 $1,654 $1,179
North Dakota $1,318 $2,002 $2,368
Ohio $1,175 $1,812 $1,858
Oklahoma $1,876 $2,686 $3,025
Oregon $1,707 $2,291 $2,736
Pennsylvania $1,438 $2,111 $2,470
Rhode Island $2,401 $3,522 $3,966
South Carolina $1,630 $2,260 $3,119
South Dakota $1,463 $2,108 $2,432
Tennessee $1,720 $2,533 $3,373
Texas $1,733 $2,503 $3,113
Utah $1,474 $2,065 $2,842
Vermont $1,135 $1,747 $1,847
Virginia $1,069 $1,641 $1,608
Washington $1,415 $1,920 $2,293
West Virginia $1,423 $2,039 $2,554
Wisconsin $1,419 $2,215 $2,527
Wyoming $1,325 $1,855 $1,975