Volkswagen Arteon Insurance Cost [Comparisons + Rates for 2022]

How much does VW Arteon insurance cost? We compared rates from the base SE model up to the 4Motion SEL Premium R-Line trim to see how it ranks against other midsize cars.

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How much does Volkswagen Arteon insurance cost?

Drivers should budget an average of $1,660 a year to insure a Volkswagen Arteon for full coverage. When broken down by coverage, collision coverage is approximately $746 a year, comprehensive is about $404, and the remaining liability and medical payments insurance will cost approximately $510.

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 $1,252 per year for a 60-year-old driver with high policy deductibles to the highest rate of $3,838 annually for a driver age 20 with low physical damage deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2022 Volkswagen Arteon with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Volkswagen Arteon trim levels.Data last updated on November 21, 2022
Volkswagen Arteon Car Insurance Rates
Volkswagen Arteon Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,792$233
$500$3,300$275
$250$3,838$320
30$1,000$1,466$122
$500$1,750$146
$250$2,046$171
40$1,000$1,398$117
$500$1,660$138
$250$1,930$161
50$1,000$1,274$106
$500$1,510$126
$250$1,754$146
60$1,000$1,252$104
$500$1,482$124
$250$1,724$144

Which Arteon trim has the cheapest car insurance?

The cheapest Volkswagen Arteon insurance can be found on the base SE trim (MSRP of $36,995) costing $1,608 per year and the SEL R-Line trim (MSRP of $41,595) costing an average of $1,654.

The $46,995 SEL Premium R-Line 4Motion trim is the most expensive to insure, costing an average of $94 more per year than the cheapest SE model.

The table below details the average yearly and 6-month auto insurance costs, plus a monthly budget estimate, for each 2022 Volkswagen Arteon package and trim level.

2022 Volkswagen Arteon Insurance Cost by Trim Level
Volkswagen Arteon Trim Level Annual Policy 6-month Policy Per Month
SE$1,608$804$134
SEL R-Line$1,654$827$138
SEL R-Line 4Motion$1,668$834$139
SEL Premium R-Line 4Motion$1,702$851$142

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Volkswagen Arteon, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 21, 2022
Volkswagen Arteon Insurance Cost by Trim Level

Is VW Arteon car insurance expensive?

The Volkswagen Arteon ranks #10 out of 13 comparison vehicles in the midsize car class. The Arteon costs an estimated $1,660 per year to insure for full coverage and the segment average cost is $1,589 per year, making the Arteon $71 more 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 $158 more per year than the Toyota Camry, $72 more than the Honda Accord, $46 less than the Nissan Altima, and $58 more 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.

Insurance Cost Comparison: Volkswagen Arteon vs Midsize Cars
Rank Make/Model Insurance Cost Difference
1Subaru Legacy$1,480-$180
2Honda Insight$1,482-$178
3Kia K5$1,498-$162
4Toyota Camry$1,502-$158
5Volkswagen Passat$1,508-$152
6Mazda 6$1,518-$142
7Chevrolet Malibu$1,584-$76
8Honda Accord$1,588-$72
9Tesla Model 3$1,602-$58
10Volkswagen Arteon$1,660--
11Nissan Altima$1,706$46
12Hyundai Sonata$1,736$76
13Kia Stinger$1,798$138

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 21, 2022
Insurance Cost Comparison: Volkswagen Arteon vs Midsize Cars

Will a used Arteon cost less to insure?

Choosing to insure a 2019 Volkswagen Arteon instead of the newest 2022 model could save an average of $76 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 2022 model years. Insurance cost ranges from the cheapest rate of $1,418 for a 60-year-old driver rated on a 2019 Arteon to the most expensive rate of $3,300 for a 20-year-old driver rated on a 2022 Volkswagen Arteon.

Volkswagen Arteon Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2022 Volkswagen Arteon$3,300$1,660$1,482
2021 Volkswagen Arteon$3,264$1,638$1,466
2020 Volkswagen Arteon$3,204$1,606$1,438
2019 Volkswagen Arteon$3,164$1,584$1,418

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 21, 2022
Volkswagen Arteon Insurance Cost by Model Year

Does location impact VW Arteon insurance rates?

Depending on the city you live in, insurance cost for a VW Arteon can be significantly different. Rates range from cheaper amounts like $1,186 a year in Charlotte, NC, or $1,248 in Columbus, OH, to higher rates like $2,750 a year in Los Angeles, CA and $2,762 in Philadelphia, PA.

The insurance cost for a Volkswagen Arteon in some other cities include Omaha, NE, at $1,538 per year, Memphis, TN, at $2,046, Colorado Springs, CO, costing $2,000, and San Jose, CA, averaging $1,958.

The chart data below details average Volkswagen Arteon insurance premiums in the largest cities in America. For this chart, rates range from $1,248 per year in Columbus, OH, to $3,132 in New York, NY, a difference of $1,884.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 Volkswagen Arteon, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Volkswagen Arteon trim levels.Data last updated on November 21, 2022
Volkswagen Arteon Insurance Rates in Large U.S. Cities
Volkswagen Arteon Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$3,132$261
Philadelphia, PA$2,762$230
Los Angeles, CA$2,750$229
San Francisco, CA$2,364$197
Jacksonville, FL$2,352$196
San Jose, CA$1,958$163
Phoenix, AZ$1,906$159
San Diego, CA$1,864$155
Chicago, IL$1,804$150
Dallas, TX$1,772$148
Houston, TX$1,762$147
Indianapolis, IN$1,668$139
San Antonio, TX$1,586$132
Austin, TX$1,510$126
Columbus, OH$1,248$104

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 $261 per year compared to a decent credit rating of 670-739. Conversely, a lesser credit rating could cost up to $302 more per year.
  • Older drivers tend to pay less than younger drivers. The difference in Arteon insurance cost between a 60-year-old driver ($1,482 per year) and a 30-year-old driver ($1,750 per year) is $268, or a savings of 15.3%.
  • Policyholder gender affects insurance cost. For a 2022 Volkswagen Arteon, a 20-year-old male driver pays an average price of $3,300 per year, while a 20-year-old woman will pay an average of $2,446, a difference of $854 per year. The females get the cheaper rate by far. But by age 50, male driver rates are $1,510 and female rates are $1,480, a difference of only $30.
  • 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 $2,564 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 $50 and $159 on your annual Arteon insurance cost, subject to the policy coverages selected.