Buy Cheap Volkswagen Auto Insurance in (2023)
Drivers searching for cheap Volkswagen auto insurance policies should take the time to shop around for quotes and compare rates to find the best deal.
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Cynthia Lanctot
Licensed Agent
Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
Licensed Agent
UPDATED: Feb 26, 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: Feb 26, 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
- Some models that have cheaper rates on average are the Volkswagen Beetle and Volkswagen Tiguan
- Young drivers and drivers with poor driving records will have higher Volkswagen auto insurance rates
If you are looking for auto insurance for Volkswagens, 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 Volkswagen auto insurance.
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 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 auto 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 auto 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. Find out how much Volkswagen auto insurance coverage you need.
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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 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 auto insurance 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 auto insurance at the best rate for your Volkswagen 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.
How much is auto insurance for a Volkswagen Tiguan?
A full coverage auto insurance policy for a 2023 Volkswagen Tiguan costs an average of $134 per month. However, rates will vary depending on demographic driver factors and driving records. Getting quotes is the best way to see what you’ll pay for your Volkswagen Tiguan.
Compare Quotes From Top Companies and Save
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Cynthia Lanctot
Licensed Agent
Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
Licensed Agent
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.