How Much Is VW Insurance? Compare Quotes by Model

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.

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 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.

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.

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.

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.

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.

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.

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.

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

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.