Volkswagen Tiguan Insurance Explained: 2024 Rates & Comparisons

• Insurance on a Volkswagen Tiguan costs around $1,570 per year, $785 for a 6-month policy, or $131 per month.
• The Tiguan S 2WD trim level is the cheapest to insure at around $1,484 per year. The most expensive trim is the SEL R-Line 4Motion at $1,658 per year.
• The Tiguan is one of the cheaper small SUVs to insure, costing $175 less per year on average as compared to other small SUVs
• On a state level, insurance rates range from a low of $1,004 per year in Maine to $2,060 in Michigan. Rates in a few larger cities include $1,426 in El Paso, TX, $2,612 in New Orleans, LA, and $1,260 in Cleveland, OH.

How much does VW Tiguan insurance cost?

Volkswagen Tiguan insurance costs an average of $1,570 per year for full-coverage insurance, or about $131 a month. Depending on the trim level being insured, average monthly payments range from $124 to $138.

From an individual coverage perspective, liability and medical coverage will cost an estimated $418 a year, collision coverage is around $720, and the remaining comprehensive coverage costs around $432.

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 $3,114 to the average rate for a 60-year-old driver of $1,302.

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 $5,434 while a 16-year-old female would pay about $5,080.

The following table shows average VW Tiguan car insurance rates for 2013 to 2024 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 $174 per year on insurance, since average cost ranges from $1,484 to $1,658 per year on auto insurance for the average driver.

The most affordable 2024 model year trim level to insure is the Tiguan S 2WD. The next cheapest trim level to insure is the Tiguan S 4Motion at $1,520 per year. Expect to pay at a minimum $124 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 $1,596,  $1,620, and $1,658 per year, respectively.

The table below details the average car insurance cost for each 2024 Volkswagen Tiguan package and trim level.

How do Tiguan insurance rates compare to other SUVs?

The Volkswagen Tiguan ranks 10^th out of 47 total comparison vehicles in the small SUV class. The Tiguan costs an average of $1,570 per year for full coverage insurance and the class average rate is $1,745 annually, making the Tiguan $175 less per year.

When compared to other small SUVs, car insurance rates for a 2024 Volkswagen Tiguan cost $178 less per year than the Toyota RAV4, $48 less than the Honda CR-V, $176 less than the Chevrolet Equinox, and $134 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 ($1,102), North Carolina ($1,038), and Idaho ($1,166) have cheaper insurance rates on a Volkswagen Tiguan, while states like Louisiana ($1,826), Michigan ($2,060), and Florida ($1,906) have more expensive insurance rates on a Volkswagen Tiguan.

The table below shows the average cost to insure a 2024 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 $734 per year for a 30-year-old driver and even as much as $352 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 $402 per year. Being convicted of a serious infraction such as a DWI could raise rates by an additional $1,414 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 $246 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 $2,404 or more per year.