Volkswagen Insurance Cost for 2023

How much is average Volkswagen car insurance cost? We analyze and compare insurance rates for all VW models and trim levels to see how they measure up to the competition.

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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 2023 models range from $1,506 a year for a Volkswagen Atlas up to $1,850 per year for the Volkswagen Arteon.

As a whole, the average insurance cost for the brand is $1,646 per year. When compared to the average cost of car insurance in the U.S. of $1,685, Volkswagen insurance is $39 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.

Average Insurance Cost for Volkswagen Vehicles
Model Annual Cost Monthly Cost
Volkswagen Arteon$1,850$154
Volkswagen Atlas$1,506$126
Volkswagen Atlas Cross Sport$1,576$131
Volkswagen Beetle (2019 and prior)$1,508$126
Volkswagen CC (2017 and prior)$1,550$129
Volkswagen E-Golf (2019 and prior)$1,704$142
Volkswagen EOS (2016 and prior)$1,422$119
Volkswagen Golf$1,660$138
Volkswagen GTI (2021 and prior)$1,666$139
Volkswagen ID4$1,832$153
Volkswagen Jetta$1,610$134
Volkswagen Passat (2022 and prior)$1,632$136
Volkswagen Routan (2014 and prior)$1,258$105
Volkswagen Taos$1,600$133
Volkswagen Tiguan$1,532$128
Volkswagen Touareg (2017 and prior)$1,686$141

How does Volkswagen car insurance compare?

When compared to the two largest U.S. automakers, average annual Volkswagen car insurance rates are 7.4% cheaper per year than Ford and 6% cheaper than Chevrolet.

For the two largest Asian competitors, VW insurance costs 7.7% less than Toyota and 2.1% more than Honda.

The chart below visualizes these comparisons, and additionally compares Volkswagen rates to Nissan and Subaru as well.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average car insurance rates include all Volkswagen, Chevrolet, Ford, Honda, Nissan, Subaru, and Toyota vehicles for the 2023 model year. Rated driver is a 40-year-old married male with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 30, 2022
Volkswagen Car Insurance Cost vs. Top Competitors

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 $1,646 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.

Volkswagen Car Insurance Cost vs. Popular Automotive Brands
Automotive Brand Insurance Cost Difference
Volkswagen$1,646--
Acura$1,980$334
Audi$2,273$627
BMW$2,368$722
Cadillac$1,861$215
Chevrolet$1,751$105
Ford$1,778$132
Genesis$2,048$402
GMC$1,831$185
Honda$1,612-$34
Hyundai$1,722$76
Infiniti$2,126$480
Jeep$1,912$266
Kia$1,712$66
Lexus$2,012$366
Lincoln$1,926$280
Mazda$1,596-$50
Mercedes-Benz$2,416$770
Mitsubishi$1,785$139
Nissan$1,729$83
Ram$1,950$304
Subaru$1,619-$27
Tesla$2,166$520
Toyota$1,783$137
Volvo$1,879$233

Get Rates in Your AreaWhy is this important?

Table Data Details: Average car insurance cost for each automotive brand assumes a clean driving record and no at-fault accidents for a 40-year-old driver. Rates are averaged for all 2023 models for each manufacturer and for all U.S. states. The difference column indicates the cost difference between each brand and the average cost of Volkswagen insurance. Green indicates the brand is cheaper to insure on average than Volkswagen and red indicates the brand costs more to insure on average than Volkswagen.Data last updated on December 29, 2022
Volkswagen Car Insurance Cost vs. Popular Automotive Brands

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 2023 models, the cheapest Volkswagen car insurance rates are on the Volkswagen Atlas, which is a midsize SUV costing an average $1,506 per year to insure. In second place, the Volkswagen Tiguan costs an average of $1,532 per year to insure.

Rounding out the top five are the Volkswagen Atlas Cross Sport, Volkswagen Taos, and Volkswagen Jetta. The average cost to insure all five models is shown below.

Cheapest Volkswagen vehicles to insure for 2023

  1. Volkswagen Atlas – (midsize SUV) Average insurance cost of $1,506 per year
  2. Volkswagen Tiguan – (small SUV) Average insurance cost of $1,532 per year
  3. Volkswagen Atlas Cross Sport – (midsize SUV) Average insurance cost of $1,576 per year
  4. Volkswagen Taos – (small SUV) Average insurance cost of $1,600 per year
  5. Volkswagen Jetta – (small car) Average insurance cost of $1,610 per year