- Volkswagen Arteon car insurance averages $2,302 per year or around $192 per month, depending on the trim level.
- Drivers can find the cheapest car insurance rates on the Arteon SE R-Line trim level at $2,254 per year.
- The VW Arteon SEL Premium R-Line 4Motion has the highest rates at $2,348 per year.
- When compared to the entire midsize car segment, the Arteon tends to be on the more expensive side, ranking fourth out of 11 total comparison vehicles.
How much does Volkswagen Arteon insurance cost?
Drivers should budget an average of $2,302 a year to insure a Volkswagen Arteon for full coverage. When broken down by coverage, collision coverage is approximately $1,142 a year, comprehensive is about $644, and the remaining liability and medical payments insurance will cost approximately $516.
The chart below illustrates how average VW Arteon insurance rates change with differences in driver age and different policy deductibles. The yearly policy cost vary from the cheapest rate of $1,570 per year for a 60-year-old driver with high policy deductibles to the highest rate of $5,408 annually for a driver age 20 with low physical damage deductibles.
Which Arteon trim has the cheapest car insurance?
The cheapest Volkswagen Arteon insurance can be found on the base SE R-Line trim (MSRP of $49,225) costing $2,254 per year and the SEL Premium R-Line 4Motion trim (MSRP of $52,275) costing an average of $2,348.
The $52,275 SEL Premium R-Line 4Motion trim is the most expensive to insure, costing an average of $94 more per year than the cheapest SE R-Line model.
The table below details the average yearly and 6-month auto insurance costs, plus a monthly budget estimate, for each 2024 Volkswagen Arteon package and trim level.
| 2024 Volkswagen Arteon Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| SE R-Line | $2,254 | $188 |
| SEL Premium R-Line 4Motion | $2,348 | $196 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 26, 2025
Is VW Arteon car insurance expensive?
The Volkswagen Arteon ranks fourth out of 11 comparison vehicles in the midsize car class. The Arteon costs an estimated $2,302 per year to insure for full coverage and the segment average cost is $2,389 per year, making the Arteon $87 less expensive to insure per year than the average midsize car.
When insurance rates are compared to the top-selling vehicles in the midsize car segment, the Arteon costs $214 less per year than the Toyota Camry, $40 more than the Honda Accord, $236 less than the Nissan Altima, and $448 less than the Tesla Model 3.
The table below shows how well VW Arteon car insurance rates compare to the rest of the midsize sedan vehicle segment.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Kia K5 | $2,258 | -$44 |
| 2 | Honda Accord | $2,262 | -$40 |
| 3 | Chevrolet Malibu | $2,272 | -$30 |
| 4 | Volkswagen Arteon | $2,302 | -- |
| 5 | Subaru Legacy | $2,312 | $10 |
| 6 | Hyundai Ioniq 6 | $2,330 | $28 |
| 7 | Toyota Crown | $2,370 | $68 |
| 8 | Hyundai Sonata | $2,372 | $70 |
| 9 | Toyota Camry | $2,516 | $214 |
| 10 | Nissan Altima | $2,538 | $236 |
| 11 | Tesla Model 3 | $2,750 | $448 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 27, 2025
Will a used Arteon cost less to insure?
Choosing to insure a 2019 Volkswagen Arteon instead of the newest 2024 model could save an average of $130 on a yearly basis. The savings when insuring a used model is dependent on the policy limits and deductibles, so it could be significantly more.
The table below shows estimated VW Arteon insurance policy premiums for different driver age groups for the 2019 through 2024 model years. Insurance cost ranges from the cheapest rate of $1,804 for a 60-year-old driver rated on a 2019 Arteon to the most expensive rate of $4,576 for a 20-year-old driver rated on a 2024 Volkswagen Arteon.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Volkswagen Arteon | $4,576 | $2,302 | $1,898 |
| 2023 Volkswagen Arteon | $4,812 | $2,390 | $1,980 |
| 2022 Volkswagen Arteon | $4,692 | $2,326 | $1,928 |
| 2021 Volkswagen Arteon | $4,670 | $2,310 | $1,918 |
| 2020 Volkswagen Arteon | $4,530 | $2,242 | $1,860 |
| 2019 Volkswagen Arteon | $4,398 | $2,172 | $1,804 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Volkswagen Arteon trim levels for each model year. Updated June 27, 2025
A few additional observations concerning the cost of insurance for an Arteon include:
- Bring up your credit score and save. If you have a high credit score of 800+, you could get savings of up to $361 per year compared to a decent credit rating of 670-739. Conversely, a lesser credit rating could cost up to $419 more per year.
- Older drivers tend to pay less than younger drivers. The difference in Arteon insurance cost between a 60-year-old driver ($1,898 per year) and a 30-year-old driver ($2,466 per year) is $568, or a savings of 26%.
- Policyholder gender affects insurance cost. For a 2024 Volkswagen Arteon, a 20-year-old male driver pays an average price of $4,576 per year, while a 20-year-old woman will pay an average of $3,284, a difference of $1,292 per year. The females get the cheaper rate by far. But by age 50, male driver rates are $2,028 and female rates are $1,986, a difference of only $42.
- Arteon insurance is expensive for high-risk drivers. For a 20-year-old driver, having too many driving record violations or accidents could raise rates by $3,530 or more per year.
- Get cheaper rates because of your employment. The large majority of car insurance providers offer policy discounts for certain professions like nurses, lawyers, high school and elementary teachers, college professors, police officers and law enforcement, and other occupations. If you’re employed in a qualifying profession, you may save between $69 and $228 on your annual Arteon insurance cost, subject to the policy coverages selected.