Volkswagen Tiguan Insurance Rates for 2023

• Insurance on a Volkswagen Tiguan costs around $1,572 per year, $786 for a 6-month policy, or $131 per month.
• The Tiguan S 2WD trim level is the cheapest to insure at around $1,480 per year. The most expensive trim is the SEL R-Line 4Motion at $1,656 per year.
• The Tiguan is one of the cheaper small SUVs to insure, costing $77 less per year on average as compared to other small SUVs
• On a state level, insurance rates range from a low of $954 per year in Maine to $2,114 in Michigan. Rates in a few larger cities include $1,402 in El Paso, TX, $2,686 in New Orleans, LA, and $1,226 in Cleveland, OH.

How much does VW Tiguan insurance cost?

Volkswagen Tiguan insurance costs an average of $1,572 per year for full-coverage insurance, or about $131 a month. Depending on the trim level being insured, average monthly payments range from $123 to $138.

From an individual coverage perspective, liability and medical coverage will cost an estimated $496 a year, collision coverage is around $688, and the remaining comprehensive coverage costs around $388.

The following chart details how average Tiguan car insurance rates vary depending on driver age and the policy deductibles.

From a deductible standpoint, the higher the deductible, the lower the policy cost. In the chart above, car insurance rates range from an average rate for a 20-year-old driver of $3,118 to the average rate for a 60-year-old driver of $1,408.

Teenage drivers would have much higher insurance rates when rated on a VW Tiguan. For example, a 16-year-old male driver with a clean driving record would pay around $5,612 while a 16-year-old female would pay about $4,938.

The following table shows average VW Tiguan car insurance rates for 2013 to 2023 model years and for drivers aged 20 to 60.

Insurance rates by Tiguan trim level

Choosing the lowest cost Tiguan trim level over the highest trim would save approximately $176 per year on insurance, since average cost ranges from $1,480 to $1,656 per year on auto insurance for the average driver.

The most affordable 2023 model year trim level to insure is the Tiguan S 2WD. The next cheapest trim level to insure is the Tiguan S 4Motion at $1,512 per year. Expect to pay at a minimum $123 per month to insure a Tiguan for full coverage.

At the top end of the Tiguan trims, the three most expensive Tiguan models to insure are the Tiguan SE R-Line Black, the SE R-Line Black 4Motion, and the SEL R-Line 4Motion trim levels at an estimated $1,598,  $1,620, and $1,656 per year, respectively.

The table below details the average car insurance cost for each 2023 Volkswagen Tiguan package and trim level.

How do Tiguan insurance rates compare to other SUVs?

The Volkswagen Tiguan ranks 16^th out of 47 total comparison vehicles in the small SUV class. The Tiguan costs an average of $1,572 per year for full coverage insurance and the class average rate is $1,649 annually, making the Tiguan $77 less per year.

When compared to other small SUVs, car insurance rates for a 2023 Volkswagen Tiguan cost $104 less per year than the Toyota RAV4, $38 more than the Honda CR-V, $58 less than the Chevrolet Equinox, and $94 less than the Nissan Rogue.

The table below shows how average insurance rates for a Tiguan compare to additional small SUVs like the Subaru Forester, the Nissan Rogue, and the Honda CR-V.

Volkswagen Tiguan insurance cost state averages

When analyzing Volkswagen Tiguan insurance rates on a state level, states like Iowa ($1,058), North Carolina ($988), and Idaho ($1,126) have cheaper insurance rates on a Volkswagen Tiguan, while states like Louisiana ($1,846), Michigan ($2,114), and Florida ($1,936) have more expensive insurance rates on a Volkswagen Tiguan.

The table below shows the average cost to insure a 2023 Volkswagen Tiguan in all fifty U.S. states.

Additional Rates and Insights

A few additional rates and tips on how to avoid expensive insurance are as follows.

• Be a careful driver and pay less for insurance. Causing too many accidents will raise rates, to the tune of $724 per year for a 30-year-old driver and even as much as $474 per year for a 60-year-old driver.
• Earn discounts to save money. Discounts may be available if you are accident-free, insure multiple vehicles on the same policy, are a loyal customer, insure your home and car with the same company, or many other discounts which could save you as much as $264 per year on the cost of insuring a Tiguan.
• Driving violations increase insurance rates. To get the lowest Tiguan insurance rates, it pays to be an excellent driver. Not surprisingly, just a couple of minor infractions on your motor vehicle report can raise Tiguan insurance rates by as much as $410 per year. Being convicted of a serious infraction such as a DWI could raise rates by an additional $1,438 or more.
• Raise your credit for better rates. In states that allow a policyholder’s credit rating to be used as a factor in determining car insurance rates, having a high credit rating of over 800 can possibly save as much as $247 per year versus a slightly lower credit rating between 670-739. Conversely, a less-than-perfect credit history could cost up to $286 more per year.
• High-risk drivers pay extremely high rates. For a 20-year-old driver, the requirement to buy a high-risk policy could increase the cost by $2,414 or more per year.