Volkswagen Insurance Rates

The average cost of car insurance for a Volkswagen model is about $1,556 per year.

This is $231 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 $1,657 $2,433 $2,846
Volkswagen Atlas Insurance Cost $1,530 $2,247 $2,629
Volkswagen Golf Insurance Cost $1,424 $2,091 $2,446
Volkswagen Golf GTI Insurance Cost $1,653 $2,427 $2,839
Volkswagen Jetta Insurance Cost $1,642 $2,411 $2,821
Volkswagen Passat Insurance Cost $1,580 $2,320 $2,715
Volkswagen Tiguan Insurance Cost $1,406 $2,065 $2,415

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 $5,271 $7,739 $9,054
18 $4,912 $7,213 $8,438
19 $4,341 $6,374 $7,457
20 $3,785 $5,558 $6,502
21 $3,174 $4,661 $5,453
22 $3,091 $4,539 $5,310
23 $2,705 $3,972 $4,647
24 $2,570 $3,773 $4,414
25 $2,218 $3,256 $3,810
30 $1,727 $2,537 $2,967
35 $1,618 $2,376 $2,779
40 $1,556 $2,285 $2,673
45 $1,514 $2,223 $2,601
55 $1,389 $2,039 $2,385
65 $1,449 $2,127 $2,488
75 $1,828 $2,685 $3,141

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 $1,649 $2,395 $3,048
Alaska $1,364 $1,890 $1,837
Arizona $1,542 $2,229 $3,284
Arkansas $1,690 $2,656 $2,924
California $1,882 $3,328 $1,882
Colorado $1,756 $2,458 $3,119
Connecticut $2,244 $3,480 $4,417
Delaware $1,857 $2,476 $3,180
Florida $2,212 $3,060 $3,987
Georgia $1,803 $2,696 $2,719
Hawaii $720 $978 $720
Idaho $1,251 $1,659 $2,017
Illinois $1,310 $1,980 $2,257
Indiana $1,346 $2,057 $2,308
Iowa $1,066 $1,462 $1,719
Kansas $1,418 $2,063 $2,413
Kentucky $2,050 $3,009 $3,554
Louisiana $2,631 $3,978 $4,313
Maine $995 $1,376 $2,031
Maryland $1,610 $2,344 $2,603
Massachusetts $1,291 $2,253 $1,291
Michigan $3,116 $4,749 $7,490
Minnesota $1,283 $1,710 $2,408
Mississippi $1,549 $2,209 $2,223
Missouri $1,459 $2,086 $2,740
Montana $1,483 $2,070 $2,409
Nebraska $1,254 $1,855 $2,015
Nevada $2,068 $3,068 $3,241
New Hampshire $1,439 $2,275 $2,876
New Jersey $1,585 $2,487 $3,254
New Mexico $1,619 $2,408 $2,500
New York $1,500 $1,888 $3,152
North Carolina $930 $1,597 $1,139
North Dakota $1,272 $1,933 $2,287
Ohio $1,134 $1,750 $1,794
Oklahoma $1,811 $2,593 $2,920
Oregon $1,648 $2,212 $2,641
Pennsylvania $1,388 $2,038 $2,385
Rhode Island $2,318 $3,400 $3,829
South Carolina $1,574 $2,181 $3,011
South Dakota $1,412 $2,035 $2,348
Tennessee $1,661 $2,445 $3,256
Texas $1,673 $2,416 $3,006
Utah $1,423 $1,994 $2,743
Vermont $1,095 $1,687 $1,783
Virginia $1,032 $1,584 $1,553
Washington $1,366 $1,854 $2,214
West Virginia $1,374 $1,968 $2,466
Wisconsin $1,370 $2,139 $2,439
Wyoming $1,279 $1,791 $1,907