- Volkswagen Taos car insurance rates average $1,600 per year (about $133 per month) for full coverage, but vary considerably based on policy limits.
- Volkswagen Taos insurance cost ranges from $1,486 to $1,702 per year on average, depending on trim level.
- Out of 47 vehicles in the small SUV segment for 2023, the Taos ranks 24th for auto insurance affordability.
How much does Volkswagen Taos insurance cost?
Drivers should budget around about $1,600 yearly to insure a Volkswagen Taos. With MSRP ranging from $24,155 to $35,830 for the 2023 model, monthly insurance cost ranges from $124 to $142.
Liability and medical payments insurance costs approximately $568 a year, comprehensive (or other-than-collision) coverage is an estimated $362, and the remaining collision coverage costs about $670.
The rate chart shown below shows how much the cost of insuring a 2023 VW Taos can vary based on different driver ages and policy deductibles.
In additional to driver age and policy limits, another factor that influences the cost of insurance is the exact model of vehicle you’re insuring. For the 2023 Taos, the cheapest insurance is on the base S model and the most expensive to insure is the SEL 4Motion trim.
The table below shows average annual, semi-annual, and monthly insurance cost for all the trim levels available for the VW Taos.
| Volkswagen Taos Trim Level | Annual Policy | Six-Month Policy | Per Month |
|---|---|---|---|
| S | $1,486 | $743 | $124 |
| S 4Motion | $1,562 | $781 | $130 |
| SE | $1,582 | $791 | $132 |
| SE 4Motion | $1,660 | $830 | $138 |
| SEL 4Motion | $1,702 | $851 | $142 |
Is the VW Taos cheap to insure?
The Volkswagen Taos ranks 24th in the compact SUV segment for insurance affordability out of 47 total models. The Taos costs an average of $1,600 per year to insure, while the category average rate is $1,606 per year, a difference of $6 per year.
When compared to the best-selling models in the small SUV category, insurance prices for a Volkswagen Taos cost $34 less per year than the Toyota RAV4, $104 more than the Honda CR-V, and $22 less than the Nissan Rogue.
The table below ranks all 47 models in the 2023 compact SUV segment, with the Taos highlighted and ranked at position 24th.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Chevrolet Trailblazer | $1,334 | -$266 |
| 2 | Subaru Crosstrek | $1,346 | -$254 |
| 3 | Nissan Kicks | $1,354 | -$246 |
| 4 | Nissan Rogue Sport | $1,378 | -$222 |
| 5 | Mazda CX-5 | $1,386 | -$214 |
| 6 | Buick Encore | $1,406 | -$194 |
| 7 | Buick Envision | $1,410 | -$190 |
| 8 | Kia Seltos | $1,430 | -$170 |
| 9 | Hyundai Venue | $1,440 | -$160 |
| 10 | Honda HR-V | $1,464 | -$136 |
| 11 | Hyundai Kona | $1,480 | -$120 |
| 12 | Subaru Forester | $1,486 | -$114 |
| 13 | Honda CR-V | $1,496 | -$104 |
| 14 | Mazda CX-30 | $1,498 | -$102 |
| 15 | Chevrolet Trax | $1,514 | -$86 |
| 16 | Volkswagen Tiguan | $1,532 | -$68 |
| 17 | Ford Bronco Sport | $1,536 | -$64 |
| 18 | Fiat 500X | $1,564 | -$36 |
| 19 | GMC Terrain | $1,566 | -$34 |
| 20 | Kia Soul | $1,568 | -$32 |
| 21 | Mitsubishi Eclipse Cross | $1,572 | -$28 |
| 22 | Chevrolet Equinox | $1,588 | -$12 |
| 23 | Toyota Corolla Cross | $1,592 | -$8 |
| 24 | Volkswagen Taos | $1,600 | -- |
| 25 | Mazda CX-50 | $1,610 | $10 |
| 26 | Hyundai Tucson | $1,614 | $14 |
| 27 | Ford Escape | $1,616 | $16 |
| 28 | Nissan Rogue | $1,622 | $22 |
| 29 | Toyota RAV4 | $1,634 | $34 |
| 30 | Mazda MX-30 | $1,636 | $36 |
| 31 | Kia Niro | $1,638 | $38 |
| 32 | Mini Cooper | $1,648 | $48 |
| 33 | Jeep Compass | $1,652 | $52 |
| 34 | Mini Cooper Clubman | $1,674 | $74 |
| 35 | Jeep Renegade | $1,698 | $98 |
| 36 | Chevrolet Bolt | $1,710 | $110 |
| 37 | Toyota bz4X | $1,716 | $116 |
| 38 | Kia Sportage | $1,760 | $160 |
| 39 | Hyundai Ioniq 5 | $1,764 | $164 |
| 40 | Mini Cooper Countryman | $1,812 | $212 |
| 41 | Mitsubishi Mirage | $1,818 | $218 |
| 42 | Mitsubishi Outlander | $1,820 | $220 |
| 43 | Volkswagen ID4 | $1,832 | $232 |
| 44 | Kia EV6 | $1,870 | $270 |
| 45 | Dodge Hornet | $1,872 | $272 |
| 46 | Hyundai Nexo | $1,938 | $338 |
| 47 | Ford Mustang Mach-E | $1,996 | $396 |
Additional insurance rates and insights
There are so many variables that affect the cost of car insurance that it’s difficult to include them all in a single article. The list below discusses some additional factors that can increase or decrease the price of insurance on a VW Taos, along with some tips that may save you some money.
- Insuring teenagers can be very expensive. Average rates for full coverage Taos insurance costs $5,844 per year for a 16-year-old driver, $5,436 per year for a 17-year-old driver, $5,066 per year for an 18-year-old driver, and $4,564 per year for a 19-year-old driver.
- Negligent driving raises insurance rates. Causing too many accidents will raise rates, as much as $744 per year for a 30-year-old driver and even $498 per year for a 60-year-old driver.
- Getting older means more affordable car insurance rates. The difference in 2023 Taos insurance rates between a 50-year-old driver ($1,458 per year) and a 20-year-old driver ($3,184 per year) is $1,726, or a savings of 74.4%.
- Better credit scores yield better car insurance rates. Having excellent credit of 800+ could save up to $251 per year when compared to a lower credit score of 670-739. Conversely, a mediocre credit rating could cost up to $291 more per year.
- Qualify for discounts to lower insurance cost. Discounts may be available if the insureds take a defensive driving course, are military or federal employees, work in certain occupations, choose electronic billing, are good students, or many other discounts which could save the average driver as much as $274 per year on the cost of insuring a Volkswagen Taos.
- Tickets and violations cost money. In order to have the most affordable price on Taos insurance rates, it’s necessary to not be an aggressive driver. Not surprisingly, just one or two moving violations could result in spiking rates by at least $424 per year. Serious violations like reckless driving and leaving the scene of an accident, DUI, or driving on a revoked license could raise rates by an additional $1,480 or more.
- Lower the cost of your policy by increasing deductibles. Boosting your physical damage deductibles from $500 to $1,000 could save around $236 per year for a 40-year-old driver and $456 per year for a 20-year-old driver.
- The lower deductible you choose, the higher the policy cost. Lowering your physical damage coverage deductibles from $500 to $250 could cost an additional $242 per year for a 40-year-old driver and $484 per year for a 20-year-old driver.
