Volkswagen is a German automaker synonymous with the classic Beetle that was released in 1949.
The popular Beetle was replaced by the Golf in 1974, but was marketed in the U.S. as the VW Rabbit through 1985.
Today, Volkswagen pushes the envelope of electric vehicle engineering and produces models that include the Tiguan, Taos, and Arteon. In this article, we examine the average cost of car insurance for the Volkswagen lineup, and see how it compares to other automakers.
How much does Volkswagen insurance cost?
Average Volkswagen car insurance rates for 2024 models range from $1,938 a year for a Volkswagen Tiguan up to $2,586 per year for the Volkswagen Golf.
As a whole, the average insurance cost for the brand is $2,187 per year. When compared to the average cost of car insurance in the U.S. of $2,221, Volkswagen insurance is $34 less per year.
Annual and monthly insurance cost is detailed in the table below for Volkswagen models produced in the U.S. market since 2013. Many models have been discontinued, and the last year of production is noted next to those models.
| Model | Annual Premium | Cost Per Month |
|---|---|---|
| Volkswagen Arteon | $2,302 | $192 |
| Volkswagen Atlas | $2,078 | $173 |
| Volkswagen Atlas Cross Sport | $2,086 | $174 |
| Volkswagen Beetle 2019 and prior model years | $1,900 | $158 |
| Volkswagen CC 2017 and prior model years | $1,926 | $161 |
| Volkswagen E-Golf 2019 and prior model years | $2,154 | $180 |
| Volkswagen EOS 2016 and prior model years | $1,716 | $143 |
| Volkswagen Golf | $2,586 | $216 |
| Volkswagen GTI 2021 and prior model years | $2,168 | $181 |
| Volkswagen ID4 | $2,124 | $177 |
| Volkswagen Jetta | $2,370 | $198 |
| Volkswagen Passat 2022 and prior model years | $2,112 | $176 |
| Volkswagen Routan 2014 and prior model years | $1,520 | $127 |
| Volkswagen Taos | $2,008 | $167 |
| Volkswagen Tiguan | $1,938 | $162 |
| Volkswagen Touareg 2017 and prior model years | $2,106 | $176 |
How does Volkswagen car insurance compare?
When compared to the two largest U.S. automakers, average annual Volkswagen car insurance rates are 11% cheaper per year than Ford and 8% cheaper than Chevrolet.
For the two largest Asian competitors, VW insurance costs 9.3% less than Toyota and 3% more than Honda.
The chart below visualizes these comparisons, and additionally compares Volkswagen rates to Nissan and Subaru as well.
As a German brand, Volkswagen doesn’t really have a direct German competitor in the U.S. market. Other German automakers include BMW, Mercedes-Benz, and Porsche. But those are either luxury or luxury performance brands, which Volkswagen does not compete with.
The table below shows the average cost to insure a Volkswagen in the first row at $2,187 per year. Other popular automakers are shown in the rest of the table, with average car insurance cost for each brand compared to Volkswagen.
If the value in the difference column is colored green, that means the comparison brand is cheaper to insure on average than Volkswagen. If the value is red, that brand is more expensive to insure than Volkswagen.
| Automotive Brand | Insurance Cost | Difference |
|---|---|---|
| Volkswagen | $2,187 | -- |
| Acura | $2,202 | $15 |
| Audi | $3,025 | $838 |
| BMW | $3,070 | $883 |
| Cadillac | $2,518 | $331 |
| Chevrolet | $2,370 | $183 |
| Ford | $2,441 | $254 |
| Genesis | $2,798 | $611 |
| GMC | $2,435 | $248 |
| Honda | $2,123 | -$64 |
| Hyundai | $2,314 | $127 |
| Infiniti | $2,456 | $269 |
| Jeep | $2,558 | $371 |
| Kia | $2,259 | $72 |
| Lexus | $2,601 | $414 |
| Lincoln | $2,587 | $400 |
| Mazda | $2,240 | $53 |
| Mercedes-Benz | $3,386 | $1,199 |
| Mitsubishi | $2,273 | $86 |
| Nissan | $2,424 | $237 |
| Ram | $2,730 | $543 |
| Subaru | $2,229 | $42 |
| Tesla | $2,839 | $652 |
| Toyota | $2,400 | $213 |
| Volvo | $2,620 | $433 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Insurance cost is averaged for all models for the 2024 model year for each automobile manufacturer. Updated June 26, 2025
As a whole, Volkswagen insurance rates are good. Japanese and Korean automakers tend to have the cheapest average rates, but VW beats out Toyota and all luxury brands.
What is the cheapest Volkswagen insurance?
For 2024 models, the cheapest Volkswagen car insurance rates are on the Volkswagen Tiguan, which is a small SUV costing an average $1,938 per year to insure. In second place, the Volkswagen Taos costs an average of $2,008 per year to insure.
Rounding out the top five are the Volkswagen Atlas, Volkswagen Atlas Cross Sport, and Volkswagen ID4. The average cost to insure all five models is shown below.
Cheapest Volkswagen vehicles to insure for 2024
- Volkswagen Tiguan – (small SUV) Average insurance cost of $1,938 per year
- Volkswagen Taos – (small SUV) Average insurance cost of $2,008 per year
- Volkswagen Atlas – (midsize SUV) Average insurance cost of $2,078 per year
- Volkswagen Atlas Cross Sport – (midsize SUV) Average insurance cost of $2,086 per year
- Volkswagen ID4 – (small SUV) Average insurance cost of $2,124 per year