Volkswagen CC Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs about the same to insure a Volkswagen CC as the average car.
• Liability insurance for a CC tends to be about $88 per month, while full coverage generally averages around $182.
• The most affordable car insurance carrier for a CC is Hugo, who offers liability only coverage for as little as just $23 a month, on average.

CC Overview

With 2017 models starting at $34,475, the Volkswagen CC is a great car for drivers on a budget. There's a CC for every driver, with three different trim options available.

After analyzing thousands of auto insurance quotes through Compare.com, we've found that Volkswagen CC insurance rates are about $166 monthly, on average. But how does that stack up to other similar vehicles out there on the market?

How Much is Car Insurance for a Volkswagen CC?

If you look at the table above, you'll find that compared to other vehicles, Volkswagen CC insurance prices are right around average. CC drivers can expect to pay about $182 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $88 a month for liability only insurance (check out our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

Comparing it to other models, the CC is slightly more expensive, with premiums around 7% higher than the other vehicle types offered by Volkswagen. Likewise, CC coverage is above average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging more expensive prices than other cars.

Compared to all vehicles of any body type, the CC has higher rates than average for both liability only and full coverage car insurance.

Who has the Cheapest Car Insurance for a Volkswagen CC?

Shopping around for an auto insurance policy for your Volkswagen CC? You're probably most interested in which company offers the most affordable rates. Although there will never be one carrier that has the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $23 a month from Hugo. With car insurance sometimes as cheap as $36 monthly, Verti is the next lowest auto insurance company.

Completing the top 5 companies are Shelter Mutual, Encompass, and Coverhound. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Insurance carriers take a lot of different things into consideration when calculating monthly rates. By checking quotes from quite a few insurance companies at once, you can rest easy knowing that you're finding the most affordable rate.

What Factors Affect Car Insurance Rates for a Volkswagen CC?

There are a bunch of factors that auto insurance carriers use to determine how much to charge for car insurance -- and every carrier weighs certain factors more than others, so there's not a single company that's the cheapest for each CC owner.

Keep reading to learn which variables auto insurance companies look at and how they affect your final rate:

Vehicle Age

The Volkswagen CC has been around for a while -- that means vehicle age can play a role in what you end up paying for car insurance. Usually, it costs more to insure newer cars because they're worth more, but as they age, insurance costs will gradually get lower.

Based on the above table, the Volkswagen CC is an outlier, as the cheapest models to insure are those that are 1 year old or less, while on average, the most expensive CCs are 6 to 7 years old.

Your Age

Age is another variable that plays a big role in how much insurance carriers will charge you for auto insurance. As you can see in the table above, those with more experience on the road have cheaper premiums compared to teenage CC drivers. Volkswagen CC drivers under 18 actually pay over three times as much as those 25 or older.

Auto insurance prices continue to decrease as you get older, with drivers aged 45-54 making up the cheapest age group for the CC.

Your Gender

Because women are less likely to get into collisions and get speeding tickets, they run a lower risk of filing a claim with insurance. So, insurance companies will tend to offer women more affordable prices. When it comes to CC drivers specifically, men pay about $90 a month for insurance, while women pay around $84.

Where You Live

You might think it's common sense that things such as how old you are and what vehicle you drive play a role in your car insurance rates, but you may not realize that where you live can matter just as much. Car insurance is regulated at the state level, so premiums fluctuate quite a bit from state to state.

For example, the average Volkswagen CC driver from New York pays about $210 per month for liability coverage. Meanwhile, on average, the same owner from California will pay less than 50% of that price. The table above shows average rates for the top 10 most populous states, just to give you a good idea of how much prices can change from state to state.

Volkswagen CC Car Insurance Discounts

Whatever what state you call home, which car you drive, or how old you are, using as many discounts as possible when it comes to your auto insurance policy is always important.

Not every car insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include discounts like:

• Pay-in-full discounts for drivers who agree to pay their entire policy price up front, rather than by monthly payments
• Multi-policy discounts for bundling your home and auto policies with the same company
• Multi-car discounts for having several vehicles on your auto policy
• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution

These discounts are great, but sometimes, the best way to save isn't through a "discount" at all, but rather by having a favorable driving record and insurance profile.

Of course, you can't control every single aspect of your insurance profile (like some of the attributes we mentioned above), but there is quite a bit that you do have control over. Below are just a few of the ones you can use to your advantage when it comes to cost savings:

Your Driving Record

You've almost certainly heard ads from auto insurance carriers promoting hefty discounts for responsible drivers. It follows that if you get into a collision or get speeding tickets, car insurance premiums will go higher. But you still might be left wondering exactly how much collisions and moving violations will cost you.

You can tell from the table above that accidents will usually cost CC drivers less than tickets, but both will result in higher than average rates. Volkswagen CC drivers with one ticket will pay an average of $128 a month, while drivers with a single accident on their record pay about $110 each month (up $22 from the $88/mo. overall average). The rates only get higher the more accidents you have or tickets you get.

How Much You Drive

How much you drive each year plays a role in your insurance rates. Those who drive less often are less likely to get into collisions, so they'll usually end up paying less for auto insurance. In the above table, you can see that Volkswagen CC owners who drive between 2,500 and 5,000 miles every year pay an average of $69 per month for car insurance, while those who put less than 2,500 miles on their cars pay $117.

But if you don't drive much because have a second vehicle or you work from home, you might consider a usage-based or pay-per-mile insurance policy. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

How Do Volkswagen CCs Compare to Other Vehicles?

If you're considering making a Volkswagen CC your next purchase, you might be wondering how it compares to other cars. Auto insurance is just one cost that comes with buying a new car, but it's certainly one that's worth taking into consideration.

Check out the table below to see how the Volkswagen CC compares:

Overall, the Volkswagen CC has an average MSRP and is on par with the going rate for a new vehicle. The average vehicle price in the U.S. is $41,879, and the CC comes in close to that at $34,475.

Although the CC has a pretty average price, auto insurance prices are slightly lower when compared to other vehicles on the market. Full coverage insurance for a Volkswagen CC is around $4 a month cheaper than average, while liability only coverage is $10 cheaper monthly.

When it comes to usage, Volkswagen CC owners drive about the same amount annually as the national average, with 11,617 miles per year for all vehicles compared to the CC's 11,122 a year.

Volkswagen CC Car Insurance Costs by Model Year

So far, you've seen how different factors affect how much the average driver pays to insure a Volkswagen CC. If you're considering buying a new vehicle and the CC is one you're thinking about, knowing what you'll likely pay can be extremely helpful as you weigh your options.

2017 Volkswagen CC Car Insurance

The average cost to insure a 2017 CC with liability only coverage is $71 a month, while full coverage runs about $165 monthly.

We found DirectGeneral offered the lowest policy, with rates sometimes as low as $38 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

2016 Volkswagen CC Car Insurance

You can expect full coverage for a 2016 Volkswagen CC to run around $173 a month, while liability only coverage will average about $73 per month.

If you're looking for the most affordable 2016 Volkswagen CC insurance policy, Gainsco offered the most affordable policy we found, with rates as cheap as just $35 monthly.

Interested in just how much you'll pay? Just enter your ZIP code below to get lots of personalized quotes for free.

2015 Volkswagen CC Car Insurance

2015 CC drivers can expect to pay an average of $101 a month for liability or $194 for full coverage.

Looking for the lowest policy? Mercury offered liability only coverage for as little as $29 per month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

2014 Volkswagen CC Car Insurance

On average, drivers who own a 2014 Volkswagen CC can expect to pay $112 to $183 monthly for liability only and full coverage car insurance, respectively.

With prices sometimes as little as $29 a month, Commonwealth Casualty offered the cheapest policy we found for the 2014 Volkswagen CC.

If you want to know exactly how much you can expect to pay for your CC, just enter your ZIP code below and get several free quotes in minutes.

2013 Volkswagen CC Car Insurance

It costs around $87 per month for liability or $191 for a full coverage policy for the 2013 CC.

MetLife offered the lowest policy we found, with rates as cheap as $20 monthly.

What could your insurance rate look like? Just enter your ZIP code below to get several free personalized quotes.

2012 Volkswagen CC Car Insurance

2012 Volkswagen CC drivers can expect to pay an average of $78 a month for liability or $180 for full coverage.

With premiums as low as $18 monthly, Hugo offered the cheapest policy we found.

While these are good estimates of what the average driver might pay to insure a 2012 Volkswagen CC, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

2011 Volkswagen CC Car Insurance

On average, drivers who own a 2011 CC can expect to pay $90 to $187 per month for liability only and full coverage auto insurance, respectively.

Aspire has prices as low as just $22 monthly for the 2011 Volkswagen CC.

If you want to find the best premiums for car insurance for a 2011 Volkswagen CC, enter your ZIP code below and compare lots of personalized quotes in just a few minutes.

2010 Volkswagen CC Car Insurance

The average cost to insure a 2010 Volkswagen CC with liability only coverage is $88 a month, while full coverage runs about $171 per month.

We found Hugo offered the most affordable policy, with rates as cheap as just $18 monthly.

Interested in what your insurance premium will be? Enter your ZIP code below to get a variety of free customized quotes.

2009 Volkswagen CC Car Insurance

It costs around $94 a month for liability or $170 for a full coverage policy for the 2009 CC.

Infinity has rates as cheap as $24 per month for the 2009 Volkswagen CC.

If you want to know exactly how much you can expect to pay for your CC, just enter your ZIP code below and get free quotes in minutes.

Volkswagen CC Insurance FAQs

Is a Volkswagen CC expensive to insure?

Liability insurance runs an average of $88 a month, while full coverage will cost you around $182. The cost of auto insurance for the Volkswagen CC is about on par with the average car.

How can I get the best price on car insurance for my Volkswagen CC?

There's only one way to be sure you're getting the lowest rates -- checking prices regularly and comparing quotes from a range of companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from an array of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Volkswagen CC affect my insurance rates?

You've probably heard the old adage that red cars cost more to insure than cars of other colors, but that's actually a myth. There are a whole bunch of variables car insurance companies think about when they calculate how much your policy will be, but the color of your CC is not factored into that decision.

Do I need to have insurance before I buy a Volkswagen CC?

Before you can legally drive your new (or new to you) Volkswagen CC off the dealership lot, you'll need to have an auto insurance policy in place. As part of the buying process, some dealerships might offer you a car insurance policy, but your best bet is letting your auto insurance company know ahead of time.

What car insurance discounts can I get for my Volkswagen CC?

You will find a variety of different discounts out there for insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are based less on your car and more on you, but if your CC has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to find out which discounts you might get is to contact your insurance carrier and ask about which discounts they offer.