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The average Volkswagen costs $153 per month to insure — just $1 more than the national average for all vehicles. While Volkswagen drivers with a liability-only policy pay less — an average of $109 per month — drivers with a full-coverage policy pay around $197.
Averages give you a helpful starting point, but the only way to know what you’ll pay for car insurance on your Volkswagen is to shop around and compare quotes. This guide explores everything you need to know about finding affordable Volkswagen insurance.
Volkswagen drivers can find some of the cheapest insurance rates from Travelers.
New Yorkers pay the most expensive Volkswagen insurance, while drivers in North Carolina pay the least.
Liability insurance for a Jetta costs $112 per month.
The following table shows how much insurance for a Volkswagen costs on average compared to the national average, according to Compare.com data.
Vehicle Type  | Average Monthly Premium: Liability Coverage | Average Monthly Premium: Full Coverage | Overall Average for All Policies |
|---|---|---|---|
| Volkswagen | $109 | $197 | $153 |
| All makes | $107 | $197 | $152 |
Overall, VW insurance rates are quite similar to the national averages for all vehicles. If you want the cheapest car insurance rates, a liability-only policy clocks in at an average of $109 per month for Volkswagens — only $2 more than the national average.
If you have room in your budget, consider a full-coverage policy. It includes both comprehensive and collision coverage and costs an average of $197 per month.
But remember that you might pay more or less than the average. It all depends on your unique situation, like your driving record, location, and any discounts you can secure.
Protect your Volkswagen and your wallet.
The type of Volkswagen you drive can affect your rates. That’s because insurers consider the features of a particular car. For example, a car with a higher likelihood of theft, higher repair costs, or a lower safety rating might come with higher insurance rates.[1] A car with lots of safety and anti-theft features is cheaper to insure and can earn you discounts.
Beyond the type of vehicle, the type of coverage you choose also has a big effect on costs. Basic liability policies that meet your state’s minimum coverage requirements are often the cheapest. While full-coverage policies tend to be more expensive, they can help you save on out-of-pocket repairs after an accident.[1]
Check out the table below to explore the average rates by VW model, according to Compare.com data.
Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| Atlas | $111 | $201 |
| Atlas Cross Sport | $121 | $221 |
| Beetle | $97 | $176 |
| GTI | $114 | $207 |
| ID.4 | $126 | $229 |
| Jetta | $112 | $203 |
| Passat | $108 | $196 |
| Taos | $121 | $219 |
| Tiguan | $103 | $187 |
| Touareg | $96 | $174 |
| All Volkswagen models | $109 | $197 |
On average, Beetle and Touareg drivers enjoy the lowest car insurance costs among VW drivers. On the other end of the scale, drivers of the Atlas Cross Sport, ID.4, and Taos tend to pay the most.
Rates vary from insurance company to insurance company, so check out the next section to see some of the cheapest options.
Even if the averages are high, you can always find cheaper insurance, especially if you’re willing to shop around.
The following table highlights the cheapest VW insurance companies according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Travelers | $82 |
| SafeAuto | $101 |
| Safeco | $103 |
| Nationwide | $104 |
| Root | $106 |
With average premiums of $82 per month, Travelers offers Volkswagen drivers the cheapest rates. But SafeAuto, Safeco, Nationwide, and Root also offer affordable quotes.
But even though these companies offer the cheapest average rates, that doesn’t mean they’ll offer you the cheapest rate. In order to find the best rate, compare at least three different companies to find which one suits your needs.
Score the best car insurance rates for your driving profile.
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Insurance companies aren’t a one-size-fits-all situation. That means the best company for you might not be the best company for your friend or neighbor.
Still, some insurers consistently offer the best rates, experience, coverages, and discounts to Volkswagen drivers.
Below are some of the best insurance companies for different types of VW drivers. We chose these top companies based on a combination of average rates for Volkswagens, available discounts, customer ratings and reviews, and available coverages.
| User Reviews | NR |
|---|
Root believes “better drivers deserve better rates.” With that in mind, it tends to offer some of the cheapest rates for safe drivers.
The process starts with a test-drive period, during which Root takes note of your driving habits. At the end of the test-drive period — which can last for 30 days — you’ll get a true price estimate for your policy with Root.
For safe drivers, this can help secure cheaper rates. But it’s not an option in every state.
Lower rates for safe drivers
Highly rated mobile app
Not available in every U.S. state
Rate isn’t locked in until after your test-drive period
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
|---|
Travelers offers Volkswagen drivers some of the most affordable car insurance rates, according to our data. Beyond great rates, Travelers has a long list of car insurance discounts, including savings for bundling and getting a quote before your policy expires.
The downside is that the company has low customer satisfaction ratings, which means its customer service might leave something to be desired.
Affordable rates
Plenty of discounts
Low claims satisfaction rating
Low customer reviews
| User Reviews | 3.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $95/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $188/mo |
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 3.0 | 3.2 |
| Customer service | 3.1 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 3.0 | 3.1 |
| Value | 3.5 | 2.9 |
Not only does Nationwide tend to offer some of the cheapest rates to VW drivers, but it also has a wide range of coverages from which to choose. When you build your policy, you can stack the coverages you need. For example, you might add gap coverage or rental car insurance to your full-coverage policy.
But despite its name, Nationwide isn’t available in every state. Even if Nationwide is available in your area, some discounts and driving programs may not be.
Affordable rates
Many coverage options
Low customer satisfaction rating
Not available in every U.S. state
Where you live and drive affects your car insurance premiums. That’s because location is tied to factors like accident rates, natural disasters, and theft rates — each of which can push your car insurance rates higher or lower.[1]
For example, if you live in a rural area with little traffic, you’ll likely pay less than someone who lives in a busy city.
You’ll find the average monthly premium across every state in the map below.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $101 |
| Arizona | $135 |
| Arkansas | $193 |
| California | $194 |
| Colorado | $158 |
| Connecticut | $307 |
| Delaware | $187 |
| Florida | $197 |
| Georgia | $200 |
| Idaho | $102 |
| Illinois | $126 |
| Indiana | $109 |
| Iowa | $92 |
| Kansas | $124 |
| Kentucky | $197 |
| Louisiana | $182 |
| Maine | $120 |
| Maryland | $278 |
| Massachusetts | $152 |
| Michigan | $236 |
| Minnesota | $152 |
| Mississippi | $152 |
| Missouri | $148 |
| Montana | $123 |
| Nebraska | $142 |
| Nevada | $240 |
| New Hampshire | $93 |
| New Jersey | $160 |
| New Mexico | $117 |
| New York | $388 |
| North Carolina | $75 |
| North Dakota | $117 |
| Ohio | $103 |
| Oklahoma | $131 |
| Oregon | $130 |
| Pennsylvania | $132 |
| Rhode Island | $116 |
| South Carolina | $221 |
| South Dakota | $98 |
| Tennessee | $114 |
| Texas | $179 |
| Utah | $147 |
| Vermont | $110 |
| Virginia | $146 |
| Washington | $113 |
| District of Columbia | $229 |
| West Virginia | $117 |
| Wisconsin | $103 |
| Wyoming | $98 |
When it comes to getting the right car insurance policy, cost isn’t the only factor. As well as getting the cheapest rate, it’s important to find a policy that suits your needs.
Use the strategies below to find the right coverage:
Determine your insurance needs. Start by thinking about what level of coverage you need. While you need at least your state’s minimum coverage to legally drive, if you have a loan or lease your VW, you might need to get full coverage.[2]
Consider your financial situation. Even if you don’t need a full-coverage policy, it could make sense to get one if it’s in your budget. After an accident, car repairs can be expensive. Full coverage pays for damage repairs to your car while liability coverage doesn’t.[2]
Think about gap insurance. If you total your car and it’s worth less than the amount you still owe on your loan, you could be on the hook for the difference. To protect yourself financially from this gap, consider purchasing gap insurance.[3]
Consider certified pre-owned (CPO) service protection. If you bought a certified pre-owned VW, purchasing a CPO plan through the dealership can help you avoid the threat of an unexpected repair bill.[4]
Once you know what coverage you need, finding the right insurer at the right price is the next step.
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If you’re like most drivers, you want to find cheaper car insurance. Use the following strategies as a roadmap to cheaper rates:
Consider insurance costs before you buy a car. If you haven’t bought your VW yet, consider selecting a vehicle that tends to come with lower coverage costs. For example, the Beetle and Touareg tend to be the cheapest VWs to insure.[5]
Lower coverage on older vehicles. If you’re insuring an older vehicle that you own outright, dropping some extra coverage can lead to savings. For example, if your older vehicle’s value is relatively low, you might skip full coverage.[5] But keep in mind this is only worth considering if you can afford to repair or replace your VW out of pocket.
Raise your deductible. You can lower your monthly rate by choosing a higher deductible — what you pay after an accident before your insurance kicks in. If you can afford to pay a higher deductible after an incident, raising it to lock in up-front savings can make sense.[5]
Lean on VW’s extensive safety features. Volkswagens — especially newer models — tend to come with a long list of safety features. Many insurers offer a variety of discounts for certain ones.[5]
Shop around. Taking a little time to compare quotes and discounts from at least three car insurance companies can help you find the most affordable rates for your VW.
Compare quotes from dozens of America’s top insurers.
If you still have questions about Volkswagen car insurance, the following answers may help.
Volkswagen drivers pay an average of $153 per month for car insurance, according to Compare.com data. A liability-only policy costs an average of $109 per month, and a full-coverage policy averages $197.
No. Volkswagens aren’t especially expensive to insure, and their rates are similar to the national average, according to Compare.com data.
The Volkswagen Touareg is the cheapest VW model to insure, at an average of $96 per month for a liability-only policy and $174 per month for full coverage, according to Compare.com data.
On average, a liability-only policy for a Jetta costs $112 per month, while a full-coverage policy averages $203, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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