How Much Is VW Insurance? Compare Quotes by Model

The average rate of VW insurance is $1,245 per year, which is inexpensive compared to other car brands. That said, the cost of a policy may differ significantly depending on the actual model. MoneyGeek broke down average rates for all VW major models by model year and driver age.

Last Updated: 4/29/2022
Advertising & Editorial Disclosure
By     |  

VW car insurance costs vary greatly depending on the model. Typically, a policy for a VW Tiguan costs $1,165 per year on average. On the other hand, the average cost of insurance for a VW ID.4 is $1,679 per year. MoneyGeek broke down the costs of major VW models to help you determine average rates and most affordable insurers for your vehicle.

How Much VW Insurance Costs on Average - Summary by Model

The average cost of VW insurance differs by model. The following is a list of average annual rates for VW models, from the cheapest to the most expensive:

  • VW Tiguan: $1,165 per year
  • VW Golf: $1,176 per year
  • VW Passat: $1,192 per year
  • VW Beetle: $1,261 per year
  • VW Jetta: $1,272 per year
  • VW ID.4: $1,679 per year

The cost of insurance for certain VW models can be more expensive if they have a high manufacturer’s suggested retail price (MSRP) or high repair costs, which is especially true for electric vehicles. Cars with high horsepower can also lead to more expensive insurance because insurers consider them riskier. Additionally, the likelihood of theft can result in more expensive insurance costs.

VW Annual Insurance Costs by Model

Scroll for more

swipe icon

Are VWs Expensive To Insure?

VW insurance is generally inexpensive. However, since there are a variety of models, the cost of VW insurance will be based more on your car’s model than its brand. MoneyGeek analyzed six VW models and found that the VW Tiguan, VW Golf, VW Passat, VW Beetle and VW Jetta are all inexpensive to insure, while the VW ID.4 is expensive to insure.

tip icon
WHY VW COSTS DIFFER BY MODEL

Based on average rates, the VW Tiguan is the cheapest model to insure. That is because of its low value and low horsepower. A low-value car has low repair costs, so insurance companies tend to charge less for insurance coverage. Less powerful cars also tend to be cheaper to insure because they are less likely to get into major accidents.

The VW ID.4, on the other hand, is the most expensive to insure. As an electric car, it has higher repair costs, so insurers typically charge more. It also has a high MSRP and high horsepower, which both lead to more expensive auto insurance.

How Much Is Insurance for a VW Tiguan?

It costs an average of $1,165 per year to insure a VW Tiguan across all model years. It has the most affordable average insurance rate among the six VW models included in MoneyGeek’s analysis. Compared to all other car makes and models, it is also generally inexpensive to insure.

MoneyGeek data shows that GEICO has the cheapest average insurance rate at $994 per year, while Allied offers the most expensive policy at an average of $1,501 per year.

VW Tiguan Annual Insurance Costs

Scroll for more

swipe icon
tip icon
EVERYTHING YOU NEED TO KNOW ABOUT VW TIGUAN INSURANCE COSTS

The cost of VW Tiguan insurance depends on the model year, driver’s characteristics and the type of coverage.

  • The model year of your VW Tiguan can affect your auto insurance premiums. On average, rates may range from $1,050 to $1,260 per year.
  • VW insurance costs can also vary significantly depending on your age. An 18-year-old driver with a VW Tiguan will typically pay an average of $3,803 per year. That is $2,638 more than the average rate for a 40-year-old driver.
  • To help drivers who are more concerned about the quality of service than the cost, MoneyGeek ranked the best car insurance for a VW Tiguan based on claims ratings, user satisfaction and financial stability.

How Much Is Insurance for a VW Golf?

Across all model years, the average cost of insurance for a VW Golf is $1,176 per year. It is the second most affordable of the six VW models MoneyGeek analyzed. It is also generally inexpensive to insure compared to all other car makes and models.

The most affordable policy for a VW Golf is from GEICO at an average rate of $979 per year. The most expensive insurance provider is Allstate, at an average annual cost of $1,513.

VW Golf Annual Insurance Costs

Scroll for more

swipe icon
tip icon
EVERYTHING YOU NEED TO KNOW ABOUT VW GOLF INSURANCE COSTS

Insurance costs for a VW Golf depend on the model year, driver characteristics and type of coverage.

  • MoneyGeek found that the cost of insurance for a VW Golf can range from an average of $992 to $1,335 per year, depending on the model year of your VW Golf.
  • The cost of a policy for an 18-year-old driver with a VW Golf is $3,837 per year, which is approximately $2,661 more expensive than the average rate for a 40-year-old driver with a similar car model.
  • Some drivers are more concerned about the quality of service than the cost of insurance. If such is the case for you, MoneyGeek analyzed the best car insurance for a VW Golf by claims ratings, user satisfaction and financial stability.

How Much Is Insurance for a VW Passat?

The average cost of auto insurance for a VW Passat is $1,192 per year across all model years. Of the six VW models MoneyGeek analyzed, the VW Passat is the third cheapest to insure. Generally, this model is also inexpensive to insure compared to all the other car makes and models.

The cheapest widely available insurance company for VW Passat drivers is GEICO, which has an average annual rate of $1,027. Allstate has the most expensive average rate for this model at $1,448 per year.

VW Passat Annual Insurance Costs

Scroll for more

swipe icon
tip icon
EVERYTHING YOU NEED TO KNOW ABOUT VW PASSAT INSURANCE COSTS

Your insurance costs for a VW Passat can vary depending on the model year, driver characteristics and type of coverage.

  • MoneyGeek found that the average cost of insurance can range from $1012 to $1,382 per year, depending on the model year of your VW Passat.
  • The cost of a policy for an 18-year-old driver with a VW Passat is $3,889 per year, approximately $2,697 more expensive than the average annual rate for a 40-year-old driver with a similar car model.
  • If you are as concerned about the quality of service as you are about the cost of insurance, MoneyGeek analyzed the best car insurance for a VW Passat by claims ratings, user satisfaction and financial stability.

How Much Is Insurance for a VW Beetle?

The average cost of insuring a VW Beetle across all model years is $1,261 per year. It is the third most expensive model to insure of the six VW models MoneyGeek analyzed. That said, a VW Beetle is generally inexpensive to insure.

Progressive has the lowest annual rate for a VW Beetle, at an average of $1,012 per year. On the other hand, Allied has the most expensive average rate at $1,724 per year.

VW Beetle Annual Insurance Costs

Scroll for more

swipe icon
tip icon
EVERYTHING YOU NEED TO KNOW ABOUT VW BEETLE INSURANCE COSTS

The cost of a VW Beetle insurance can change depending on the model year, characteristics of the driver and coverage type.

  • Depending on the model year of your VW Beetle, average car insurance rates may range from $976 to $1,411 annually.
  • Your age can also affect the cost of your auto insurance. For example, an 18-year-old driver with a VW Beetle will pay $4,117 per year on average. However, a 40-year-old will only pay an average of $1,261 per year for a similar policy.
  • Money isn’t everything. To help drivers find the best car insurance for a VW Beetle, MoneyGeek analyzed insurance companies on factors other than price, such as claims ratings, user satisfaction and financial stability.

How Much Is Insurance for a VW Jetta?

It costs an average of $1,272 per year to insure a VW Jetta across all model years. This model is the second most expensive of the six VW models included in MoneyGeek’s analysis. However, compared to all other car makes and models, it is still generally inexpensive to insure.

The cheapest widely available insurance company for VW Jetta drivers is GEICO, at an average annual rate of $1,030. The most expensive option is Allied, at an average rate of $1,815 per year.

VW Jetta Annual Insurance Costs

Scroll for more

swipe icon
tip icon
EVERYTHING YOU NEED TO KNOW ABOUT VW JETTA INSURANCE COSTS

The cost of auto insurance for your VW Jetta depends on the model year, driver characteristics and the type of coverage you purchase.

  • The cost of insurance depends on the model year of your VW Jetta. It can range from an average of $1,061 to $1,392 per year.
  • On average, the cost of a policy for an 18-year-old with a VW Jetta is $4,152 per year. That is approximately $2,880 more expensive than the average rate for a 40-year-old driver.
  • MoneyGeek evaluated various insurance companies by claims ratings, user satisfaction and financial stability to find the best car insurance for a VW Jetta for drivers who aren’t just focused on price.

How Much Is Insurance for a VW ID.4?

The average auto insurance rate for a VW ID.4 is $1,679 per year across all model years. Of the six VW models MoneyGeek analyzed, this model is the most costly to insure. It is also generally expensive to insure compared to all other car makes and models.

Progressive is the cheapest option for VW ID.4 drivers, at an average rate of $1,330 per year. Meanwhile, Allstate has the most expensive average insurance rate at $2,459 per year on average.

VW ID.4 Annual Insurance Costs

Scroll for more

swipe icon
tip icon
EVERYTHING YOU NEED TO KNOW ABOUT VW ID.4 INSURANCE COSTS

Auto insurance costs for a VW ID.4 can change depending on the model year, driver characteristics and coverage level.

  • The average cost of insurance depends on the model year of your VW ID.4. Typically, a policy for a 2021 VW ID.4 costs an average of $1,679 per year.
  • For an 18-year-old driver with a VW ID.4, the average cost of auto insurance is $5,480 per year, approximately $3,801 more than the average rate for a 40-year-old driver.
  • While price is important, it isn’t everything. When looking for the best car insurance for a VW ID.4, you may benefit from MoneyGeek’s analysis of insurance companies by claims ratings, customer satisfaction and insurer financial stability.

FAQs About VW Insurance

MoneyGeek answered some of the most frequently asked questions to help drivers understand auto insurance for VW and how they differ per model.

Methodology

MoneyGeek collected information about insurance provider rates for VWs using a sample driver profile. In this scenario, the driver is a 40-year-old male purchasing a full coverage policy with the following coverages:

  • $100,000 in bodily injury liability insurance per person
  • $300,000 in bodily injury liability insurance per accident
  • $100,000 in property damage liability insurance per accident
  • Comprehensive and collision insurance with a $1,000 deductible

Rates represent averages and can provide guidance on what prices to expect but won’t match your specific rates.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.