Volkswagen Insurance Rates

The average cost of car insurance for a Volkswagen model is about $1,731 per year.

This is $494 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 $1,891 $2,777 $3,248
Volkswagen Atlas Insurance Cost $1,747 $2,565 $3,000
Volkswagen Golf Insurance Cost $1,467 $2,154 $2,520
Volkswagen Golf GTI Insurance Cost $1,887 $2,771 $3,241
Volkswagen Jetta Insurance Cost $1,874 $2,752 $3,219
Volkswagen Passat Insurance Cost $1,803 $2,648 $3,098
Volkswagen Tiguan Insurance Cost $1,448 $2,126 $2,487

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 $5,863 $8,609 $10,071
18 $5,464 $8,023 $9,386
19 $4,829 $7,090 $8,295
20 $4,210 $6,182 $7,232
21 $3,531 $5,184 $6,065
22 $3,439 $5,049 $5,907
23 $3,009 $4,418 $5,168
24 $2,858 $4,197 $4,910
25 $2,467 $3,622 $4,237
30 $1,921 $2,822 $3,301
35 $1,800 $2,643 $3,091
40 $1,731 $2,542 $2,973
45 $1,684 $2,473 $2,893
55 $1,545 $2,268 $2,654
65 $1,611 $2,366 $2,768
75 $2,034 $2,986 $3,493

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 $1,834 $2,664 $3,390
Alaska $1,517 $2,103 $2,044
Arizona $1,715 $2,479 $3,652
Arkansas $1,880 $2,954 $3,253
California $2,093 $3,702 $2,093
Colorado $1,953 $2,734 $3,469
Connecticut $2,496 $3,871 $4,914
Delaware $2,066 $2,754 $3,537
Florida $2,460 $3,403 $4,435
Georgia $2,006 $2,999 $3,024
Hawaii $801 $1,088 $801
Idaho $1,392 $1,845 $2,243
Illinois $1,457 $2,202 $2,511
Indiana $1,497 $2,288 $2,568
Iowa $1,186 $1,626 $1,912
Kansas $1,577 $2,295 $2,684
Kentucky $2,280 $3,347 $3,952
Louisiana $2,927 $4,425 $4,797
Maine $1,107 $1,530 $2,259
Maryland $1,791 $2,607 $2,896
Massachusetts $1,436 $2,506 $1,436
Michigan $3,466 $5,282 $8,332
Minnesota $1,427 $1,902 $2,679
Mississippi $1,723 $2,457 $2,473
Missouri $1,623 $2,320 $3,048
Montana $1,650 $2,302 $2,680
Nebraska $1,395 $2,063 $2,241
Nevada $2,301 $3,413 $3,605
New Hampshire $1,600 $2,531 $3,199
New Jersey $1,763 $2,766 $3,620
New Mexico $1,801 $2,679 $2,781
New York $1,668 $2,100 $3,506
North Carolina $1,034 $1,776 $1,267
North Dakota $1,415 $2,150 $2,543
Ohio $1,261 $1,946 $1,995
Oklahoma $2,015 $2,885 $3,248
Oregon $1,833 $2,460 $2,938
Pennsylvania $1,544 $2,267 $2,653
Rhode Island $2,578 $3,782 $4,259
South Carolina $1,751 $2,426 $3,349
South Dakota $1,571 $2,264 $2,612
Tennessee $1,847 $2,720 $3,622
Texas $1,860 $2,688 $3,343
Utah $1,583 $2,218 $3,052
Vermont $1,218 $1,876 $1,983
Virginia $1,148 $1,762 $1,727
Washington $1,519 $2,062 $2,462
West Virginia $1,529 $2,189 $2,743
Wisconsin $1,524 $2,379 $2,713
Wyoming $1,423 $1,992 $2,121