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Car insurance for Volkswagen

Volkswagen Kombi
João Branquinho/Getty Images
Volkswagen Kombi
João Branquinho/Getty Images
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If you are in the market for a new Volkswagen, it can be helpful to know what the average insurance costs by the different makes and models Volkswagen offers. That’s because car insurance for Volkswagens tends to be slightly higher than the national average, which is $1,674 per year for a full coverage policy. However, your rates could be more or less based on the exact Volkswagen model and insurance provider you choose, as well as other factors, like your driving history and where you live.

To help you find the right car insurance for your Volkswagen, Bankrate reviewed auto insurance rate data from Quadrant Information Services to determine what the average costs of the different makes and models are. This includes the Volkswagen Beetle, which ceased production in 2019. This information may help you to understand how much the model impacts the amount of premiums drivers may have to pay, as well as what the average costs are for drivers who need to insure one of these vehicles.

Models included in this review:

  • Volkswagen Atlas
  • Volkswagen Beetle
  • Volkswagen GTI
  • Volkswagen Jetta
  • Volkswagen Passat
  • Volkswagen Tiguan

How much does it cost to insure a Volkswagen?

The national average cost of car insurance for a full coverage insurance policy is $1,674 per year, or $140 per month, according to Bankrate’s study of quoted annual premiums. The average national cost for minimum coverage auto insurance is $565 per year. However, this rate could be more or less depending on a range of factors, including where you live and what vehicle you drive. The make and model of a vehicle are significant factors in how much a driver will pay in premiums. Insurance carriers assign risk to insure vehicles based on many considerations, including:

  • Crash rate stats per make/model: Generally, Volkswagen vehicles receive positive safety marks from the Insurance Institute for Highway Safety (IIHS), other than the Volkswagen Beetle. which is no longer being produced. Plus, the Volkswagen ID.4 mid-size SUV was a 2022 IIHS Top Safety Pick, a factor which may help contribute to overall lower premiums.
  • Price of parts: Volkswagen is a German brand, but the vehicles are manufactured all across the globe. Because most of the manufacturing takes place overseas, the price of parts will likely be higher compared to domestically produced vehicles.
  • Safety features: Volkswagen vehicles come with several standard and optional safety features, such as air bags, blind spot monitoring, park assist systems and the Intelligent Crash Response System.

Car insurance for a Volkswagen

Although rates for each driver are highly dependent on personal factors, such as where you live and what vehicle you drive, comparing rates between the various models and insurance carriers is one way to secure the most competitive pricing on premiums for Volkswagen insurance. Other factors may also impact the price you pay for Volkswagen car insurance, including the number of miles you drive per year and your coverage selections. A handful of states have outlawed the use of gender and credit-based insurance scores to determine rates, but most states allow this information to be factored into rate calculations.

Car insurance for Volkswagen by make and model

When shopping around for car insurance premiums, the vehicle you insure is an important factor influencing the price you will pay. Although Volkswagen is not considered a luxury brand, the average annual full coverage premium rates are higher than the national average for some of the Volkswagen models. For example, both the Volkswagen Passat and Volkswagen Jetta have average annual full coverage premiums higher than the national average, versus the Volkswagen Tiguan, which comes in well below the national average.

Model car insurance Average annual full coverage premium Average annual minimum coverage premium
Volkswagen Atlas $1,576 $490
Volkswagen Beetle $1,684 $473
Volkswagen GTI $1,684 $462
Volkswagen Jetta $1,678 $515
Volkswagen Passat $1,709 $491
Volkswagen Tiguan $1,478 $480

Cheapest car insurance companies for Volkswagens

When searching for auto insurance premiums, one of the methods for obtaining the lowest premium is to compare multiple insurance carriers. Bankrate compared five of the best car insurance carriers based on market share size across the numerous Volkswagen models. Although your exact rates may vary based on your personal information, the chart below illustrates the difference in price among models from one carrier to the next.

Average annual premium for full coverage by model

Car insurance company Volkswagen Atlas Volkswagen Beetle Volkswagen GTI Volkswagen Jetta Volkswagen Passat Volkswagen Tiguan
Amica $1,264 $1,324 $1,239 $1,336 $1,332 $1,193
Erie $1,350 $1,348 $1,139 $1,220 $1,415 $1,098
Geico $1,203 $1,437 $1,464 $1,369 $1,448 $1,196
State Farm $1,354 $1,405 $1,328 $1,470 $1,503 $1,325
USAA $1,198 $1,141 $1,348 $1,110 $1,224 $1,150

Volkswagen features that impact insurance costs

Volkswagen models offer several included and optional safety features, which could have a positive impact on premiums. Some auto insurance companies offer discounts for driving a vehicle with enhanced safety equipment, which could include:

  • Blind spot monitoring: Volkswagen models, such as the Passat, come equipped with blind spot monitoring. This alerts you if there is another vehicle in your blind spot, which is especially helpful if you are changing lanes.
  • Driver-assist: Volkswagen offers this optional safety package on the Volkswagen Jetta and other models, which includes numerous additional alerts. Alerts include rear traffic alert, front assist and light assist, to name a few.
  • Electronic stability control: This is a standard safety feature with some Volkswagen models and helps you regain control of your vehicle if it begins to go off its intended path.

Other car insurance coverage for a Volkswagen

Like other drivers, Volkswagen owners are responsible for purchasing a minimum amount of auto insurance to comply with state mandates and meet minimum insurance requirements. This includes either purchasing a minimum amount of liability insurance or other no-fault requirements, such as personal injury protection (PIP) or underinsured motorist coverage.

In addition to meeting legal requirements, Volkswagen owners might consider adding collision coverage and comprehensive coverage. These coverage types pay for damage to your vehicle due to a covered accident or covered non-accident event, like hail or theft, respectively. While both comprehensive and collision coverage are technically optional, your lender will most likely require you to purchase them for more financial protection if you lease or finance your Volkswagen.

There are other coverage options that may also be worth considering. For example, roadside assistance, which would help assist you in case your vehicle becomes inoperable following an accident or while on the road due to instances like a flat tire or dead battery. Rental car reimbursement coverage is another popular choice among insurance options because it provides payment towards a rental car if your vehicle needs repair or replacement due to a covered accident. Volkswagen gap insurance may be another option worth considering if you financed your vehicle. Gap insurance covers the difference between what is still owed on the vehicle and the actual cash value (ACV) that the insurer will pay out if the car is totaled in an accident.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Volkswagen of the following model types, commute five days a week and drive 12,000 miles annually:

  • Volkswagen Atlas
  • Volkswagen Beetle
  • Volkswagen GTI
  • Volkswagen Jetta
  • Volkswagen Passat
  • Volkswagen Tiguan

These are sample rates and should only be used for comparative purposes.

Written by
Sara Coleman
Former Insurance Contributor
Sara Coleman is a former insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Insurance Editor