Buy Cheap Volkswagen Auto Insurance in (2023)
Most drivers will pay an average of $146/mo for a full coverage insurance policy on a Volkswagen. Owners of a Volkswagen Beetle will have the best cheap Volkswagen auto insurance rates, as a full coverage auto insurance policy for a Volkswagen Beetle only costs an average of $127/mo.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Jul 31, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 31, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive Volkswagen model to insure is the Volkswagen Atlas
- Young drivers and drivers with poor driving records will have higher Volkswagen auto insurance rates
If you are looking for cheap Volkswagen auto insurance, you will see some variety in rates among different Volkswagen models. Insurance companies will also change rates based on driving records and other risk factors. However, shopping around for insurance can help you find cheap auto insurance for Volkswagens.
Continue reading to learn more about how to buy cheap auto insurance for your Volkswagen. We go over everything from different coverage options to how to save on your Volkswagen insurance policy.
Different Auto Insurance Coverages for Volkswagens
No matter what model of Volkswagen you own, you will have to carry whatever mandated coverages your state requires. If you aren’t sure what your state requires drivers to carry to drive legally, take a look at our guide on minimum auto insurance required by state.
Generally, however, most states will require liability insurance, a form of medical insurance, and uninsured or underinsured motorist insurance. Below is a brief explanation of what protection these types of auto insurance coverages provide for your Volkswagen.
- Bodily injury liability coverage: This liability car insurance coverage will pay the medical bills of the people you injure if you cause an accident.
- Medical payments (MedPay) coverage: This coverage protects you and your passengers by paying your medical bills if you are injured in an accident.
- Personal injury protection (PIP) coverage: This coverage protects you and your passengers if you are injured in an accident by paying your medical bills, lost wages, and other injury-related costs.
- Property damage liability coverage: This liability coverage will pay the repair bills of any property that is not your own if you cause an accident.
- Underinsured motorist coverage: This coverage will help pay for your accident costs if the driver who hits you doesn’t have enough insurance coverage to handle your accident costs.
- Uninsured motorist coverage: This coverage will pay your accident bills if the driver who hits you doesn’t have auto insurance coverage.
While other auto insurance coverages are usually optional, there is one exception. If you have a lease or loan on your Volkswagen, your lender will require you to carry collision and comprehensive insurance. These are good coverages to consider carrying even if you aren’t legally required to have them.
Both coverages work to protect your assets or if you have a loan, your lender’s assets. Collision insurance is great coverage that will pay for your Volkswagen’s repairs if you crash into another vehicle. It will also cover collisions with stationary objects like trees or fences.
On the other hand, comprehensive insurance covers a variety of crashes and damages outside of your control. It will pay for your Volkswagen’s repairs after damages from animal collisions, vandalism, falling objects, and weather. So even though adding collision and comprehensive insurance onto your auto insurance policy will raise your rates, they can more than pay themselves after an accident.
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Average Volkswagen Auto Insurance Rates
So how much does auto insurance cost for a Volkswagen? Take a look at the average rates for different Volkswagen models and different coverage options below.
| Vehicle Model | Comprehensive | Collision | Liability | Full Coverage |
|---|---|---|---|---|
| 2023 Volkswagen Touareg | $34 | $67 | $42 | $159 |
| 2023 Volkswagen Tiguan | $32 | $56 | $32 | $134 |
| 2023 Volkswagen Passat | $35 | $63 | $37 | $150 |
| 2023 Volkswagen Golf R | $34 | $64 | $42 | $156 |
| 2023 Volkswagen Golf | $32 | $63 | $37 | $148 |
| 2023 Volkswagen CC | $32 | $61 | $42 | $150 |
| 2023 Volkswagen Beetle | $26 | $52 | $35 | $127 |
The Volkswagen Atlas has the most expensive rates on average, so if you own this model, you’ll likely pay a little more than you would for other Volkswagen models. On the other hand, you’ll probably pay slightly cheaper rates if you own a Volkswagen Beetle or a Volkswagen Tiguan.
Other factors besides the model you own will also affect your auto insurance rates, as you can see from the rates displayed below.
| Vehicle Model | High Risk Driver | 20-Year-Old Driver | 30-Year-Old Driver | 40-Year-Old Driver | 50-Year-Old Driver | 60-Year-Old Driver |
|---|---|---|---|---|---|---|
| 2023 Volkswagen Touareg | $338 | $359 | $165 | $159 | $145 | $142 |
| 2023 Volkswagen Tiguan | $284 | $303 | $139 | $134 | $122 | $119 |
| 2023 Volkswagen Passat | $320 | $341 | $157 | $150 | $137 | $134 |
| 2023 Volkswagen Golf R | $332 | $353 | $163 | $156 | $142 | $139 |
| 2023 Volkswagen Golf | $315 | $335 | $154 | $148 | $135 | $132 |
| 2023 Volkswagen CC | $320 | $341 | $157 | $150 | $137 | $134 |
| 2023 Volkswagen Beetle | $271 | $289 | $133 | $127 | $116 | $114 |
The reason younger drivers pay more for the best Volkswagen auto insurance is that young drivers lack driving experience and are more likely to crash and file a claim. Drivers with poor driving records are also higher risk to insure and will be charged higher rates.
Ways to Save on Volkswagen Insurance Rates
If your auto insurance rates are higher than you would like for your Volkswagen, then you can try a few tips and tricks to lower your auto insurance rates, which we’ve listed below.
- Get auto insurance quotes. Make sure that you are shopping around and comparing rates from different companies, as this will ensure you end up with the best deal on Volkswagen insurance.
- Keep a clean driving record. Insurance companies charge drivers with clean driving records a lot less than drivers with poor driving records, so driving safely will help reduce your rates.
- Look for discounts. Make sure you are taking advantage of all the auto insurance discounts available at your insurance company. Consider bundling more than one type of insurance, if possible, for a major bundle discount.
- Raise your deductible. While you shouldn’t raise your deductible to an amount you can’t pay out of pocket, raising it a little bit will reduce your auto insurance rates.
Applying the tips above should help you find a cheaper auto insurance rate for your Volkswagen.
The Final Word on Auto Insurance for Volkswagens
If you own a more expensive model of a Volkswagen, this doesn’t mean you can’t find cheap auto insurance rates. Shopping around for quotes, raising your deductible, and keeping a clean driving record will help you find an affordable auto insurance policy.
If you want to look for affordable auto insurance rates for your Volkswagen today, you can use our free quote comparison tool. It will help you buy cheap Volkswagen auto insurance from auto insurance companies in your area.
Frequently Asked Questions
Are Volkswagens expensive to insure?
Some Volkswagen models are more expensive to insure than others, but Volkswagens aren’t the most expensive car brand to insure. How much you’ll pay for Volkswagen insurance will also depend on your driving record and choice of insurance company.
Is Volkswagen Jetta auto insurance expensive?
A Volkswagen Jetta will be similar in cost to insure as the other Volkswagen models we covered in this article. What rates you pay will depend ultimately on your choice of auto insurance company, your driving record, your age, and your location.
Is it possible to find affordable auto insurance specifically for Volkswagen vehicles?
Yes, it is possible to find affordable auto insurance specifically tailored for Volkswagen vehicles. Insurance rates can vary based on factors such as the model of your Volkswagen, your driving record, location, and the coverage options you choose. By comparing quotes from different insurance providers and considering various discounts and coverage options, you can find the most cost-effective auto insurance for your Volkswagen.
What factors can affect the cost of auto insurance for Volkswagen vehicles?
Several factors can influence the cost of auto insurance for Volkswagen vehicles, including:
- Vehicle model: The specific model of your Volkswagen can impact your insurance rates. Newer and higher-end models may have higher replacement costs, which can result in higher premiums.
- Driving record: Your driving history, including accidents and traffic violations, can affect your insurance premiums. A clean driving record generally leads to lower rates.
- Location: Your geographic location can impact your insurance rates. Factors such as population density, crime rates, and accident statistics in your area can influence the premiums you pay.
- Coverage options: The type and level of coverage you choose, such as liability, collision, and comprehensive coverage, will affect your insurance costs.
Are there any discounts available to help reduce the cost of Volkswagen auto insurance?
Yes, there are several discounts that may be available to help lower the cost of Volkswagen auto insurance:
- Multi-vehicle discount: Insuring multiple vehicles with the same provider can often lead to a discount.
- Bundling discount: If you have multiple insurance policies, such as home and auto insurance, with the same provider, you may qualify for a bundling discount.
- Good driver discount: Maintaining a clean driving record with no accidents or traffic violations can make you eligible for a good driver discount.
- Safety features discount: Some insurance companies offer discounts for vehicles equipped with safety features like anti-lock brakes, airbags, or anti-theft devices.
- Loyalty discount: If you have been with the same insurance provider for a certain period, they may offer a loyalty discount.
How can I find cheap auto insurance for my Volkswagen?
To find cheap auto insurance for your Volkswagen, consider the following steps:
- Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Utilize online comparison tools: Online platforms allow you to easily compare quotes from different insurance companies.
- Evaluate coverage needs: Assess your specific coverage requirements to determine the level of protection you need for your Volkswagen. Avoid over-insuring or under-insuring your vehicle.
- Increase deductibles: Opting for higher deductibles can lower your premiums, but be sure you can afford the deductible amount in case of a claim.
- Ask about discounts: Inquire with insurance providers about available discounts and see if you qualify for any.
- Maintain a good driving record: Safe driving habits can help keep your insurance premiums affordable over time.
Are there any specific considerations for insuring a Volkswagen?
When insuring a Volkswagen, it’s important to consider factors such as the specific model, trim level, and features of your vehicle. Additionally, ensure that you meet the minimum insurance requirements set by your state. These requirements may include liability coverage for bodily injury and property damage. It’s recommended to consult with insurance professionals or obtain personalized quotes to get accurate information regarding your specific situation and coverage needs for insuring your Volkswagen.
What is the cheapest Volkswagen to insure?
The model that will have the cheapest Volkswagen auto insurance is the Volkswagen Beetle.
How much is Volkswagen Golf auto insurance?
Full coverage for a Volkswagen Golf costs an average of $148/mo.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.