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

Volkswagen Rabbit drivers pay an average of $117 per month for their car insurance premiums. Check out our complete guide to know how much auto insurance companies might charge you to insure your Volkswagen Rabbit.
man driving newly insured car
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Quick Facts

  • A Volkswagen Rabbit is less expensive to insure than the average car.
  • Full coverage car insurance for a Rabbit tends to be about $153 monthly, on average, while liability only insurance normally runs around $80 a month.
  • The cheapest auto insurance company for a Rabbit is Hallmark.

Rabbit Overview

With base prices starting at just $16,300 for 2009 models, the Volkswagen Rabbit is a great car for drivers on a budget.

We analyzed thousands of insurance quotes on, and we've determined that average Volkswagen Rabbit car insurance rates run about $117 monthly. But compared to other vehicles in the market, are Rabbit insurance prices higher or lower than those of similar cars?

Current Base Price$16,300
Body Style(s)Car
Trim LevelsRABBIT
Average Insurance Premium$117/mo.
Cheapest Insurance CompanyHallmark

How Much is Car Insurance for a Volkswagen Rabbit?

Vehicle Liability Only Full Coverage
Volkswagen Rabbit$80$153
All Volkswagen Models$80$170
All Cars$83$177
Average Insurance Premium$81$169

If you look at the table above, you'll find that compared to other vehicles on the road, Volkswagen Rabbit insurance rates are around average. Rabbit owners can expect to pay about $80 per month for liability insurance, and around $153 a month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

When you compare it to other Volkswagen models, the Rabbit is slightly cheaper, with prices more than 5% lower than the rest of the company's vehicle lineup. Compared to offerings from other brands, auto insurance for a Rabbit is also more affordable, with liability only insurance premiums coming in about $3 less and $24 less for full coverage.

Compared to all vehicles, regardless of model, body style, or make, insurance rates for both liability only and full coverage policies run lower than average.

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Who has the Cheapest Car Insurance for a Volkswagen Rabbit?

Insurance Company Average Monthly Premium
Shelter Mutual$36

If you're browsing for a car insurance policy for a Volkswagen Rabbit, you may be wondering which carrier offers the lowest prices. Even though costs will usually be pretty different from policyholder to policyholder, Verti provides the lowest average rates for liability only coverage, with rates as low as just $29 per month. The next most affordable company is NYCM, who offers car insurance as cheap as just $32 a month.

NationalGeneral, Hugo, and Shelter Mutual finish off the rest of the top 5. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Auto insurance companies take a whole range of different variables into consideration when calculating monthly prices. Because every driver is different, there's only one way to ensure you get the lowest prices, and that's by getting personalized quotes and comparing rates from quite a few auto insurance carriers.

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What Factors Affect Car Insurance Rates for a Volkswagen Rabbit?

As we mentioned above, there are several factors that car insurance companies take a look at to choose how much they charge you -- and each carrier weighs different variables more heavily than others, so there's not a singular company that's the most affordable for every Rabbit driver.

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

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 YearNo Recent Models
2-3 YearsNo Recent Models
4-5 Years$64
6-7 Years$58
8-10 Years$75
11-14 Years$86
15 Years or Older$68

The Volkswagen Rabbit has been around for a while -- that means vehicle age will likely make a big difference in what you end up paying for insurance. Normally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Rabbits continue to depreciate, insurance costs will gradually go down.

A new Volkswagen Rabbit model hasn't been added to the market for over 5 years, so the Rabbit won't really fit this trend. However, as you can see in the table above, the cheapest Volkswagen Rabbits to insure are those that are 6 to 7 years old, while the most expensive models are Rabbits that are 11 to 14 years old, on average.

Your Age

Age Average Monthly Premium

Your age is another factor that makes a difference in how much you pay for auto insurance. Based on the information above, young Rabbit drivers pay more expensive prices compared to those with more experience on the road. In this case, drivers under 18 pay $57 more than those 25 or older.

Insurance prices continue to get lower as you get older, with the cheapest age group for Rabbit drivers being 55-64.

Your Gender

Gender Average Monthly Premium

You may not know, but insurance is typically cheaper for women than it is for men. This is because men are more likely to get tickets and get into accidents, which raises the chances of an insurance claim. When it comes to Rabbit drivers specifically, women pay around $78 monthly for car insurance and men pay about $82.

Where You Live

State Average Monthly Premium
New York$154
North Carolina$44

It may be obvious that factors like how old you are and what vehicle you drive play a role in your auto insurance premiums, but you may not realize that where you live matters just as much. Because insurance is regulated at the state level, rates differ quite a bit from state to state.

For example, the average Volkswagen Rabbit owner in New York pays around $154 a month for liability coverage. Meanwhile, on average, the same Californian driver will pay less than half of that price. The chart above shows average prices for the top 10 most populous states, just to give you a good idea of how much premiums can change between states.

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Volkswagen Rabbit Car Insurance Discounts

Whatever your car, your home state, or your age, it's always in your best interest to take advantage of as many car insurance discounts as possible when shopping around for a new policy.

Even though all auto insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include things like:

  • Defensive driving discounts for taking a defensive driving class from a certified school or institution
  • Multi-car discounts for adding more than one vehicle to your auto policy
  • Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings
  • Multi-policy discounts for using the same insurance carrier for both your home and auto insurance

These are just a few of the discounts out there. And often, the best way to save isn't through a "discount" at all, but rather by having a good record when it comes to both insurance and driving.

While you don't have control over every variable car insurance companies take into account to calculate prices (like some of the ones mentioned above), you can influence some of them. Below are just a few of the things you can use to your favor when it comes to saving some cash:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$80
Multiple Accidents$118
1 Ticket$94
Multiple Tickets$113

It's no secret that insurance carriers offer the cheapest premiums to drivers with clean records. And you probably wouldn't be surprised that your car insurance rates will go up if you get into an accident or get a ticket for speeding. But exactly how much will these infractions cost you?

Looking at the table above, you'll notice that accidents will usually cost Rabbit drivers less than tickets, but both will cause a significant increase in rates. Volkswagen Rabbit drivers with a single ticket will pay about $94 monthly, while drivers with one accident on their record pay an average of $80 each month. Drivers with multiple violations of either kind will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$76
2,501-5,000 Miles$71
5,001-7,500 Miles$75
7,501-10,000 Miles$88
10,000+ Miles$77

How much you drive impacts your auto insurance prices. Drivers who are on the roads less often have fewer opportunities to get into an accident, so they'll generally end up paying less for insurance. Above, you can see that Volkswagen Rabbit owners who drive fewer than 2,500 miles every year pay about $76 per month for car insurance, while those who put 10,000 miles or more on their cars pay $77.

But if you don't drive much because you work from home or have a second vehicle, it may be worth learning about pay-per-mile or usage-based auto insurance. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Volkswagen Rabbits Compare to Other Vehicles?

If you're thinking about purchasing a new vehicle and a Volkswagen Rabbit is on your shortlist, it might be helpful to do your due diligence. Car insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth considering.

Review the table below to see how the Volkswagen Rabbit stacks up:

Volkswagen Rabbit National Average
Liability Insurance$66$81
Full Coverage Insurance$130$169
Base MSRP$16,300$33,180
Average Annual Mileage14,84211,617

Overall, the Volkswagen Rabbit is a fantastic value when it comes to price, with an MSRP that's less than half of the going rate for a new vehicle. The Rabbit has an MSRP of $16,300, which is much cheaper than the national average vehicle MSRP of $33,180. And since it's been awhile since a new Rabbit model has been on the market, used prices will be even less expensive.

Similarly, car insurance premiums run below average when compared to other vehicles on the market. Liability insurance for a Volkswagen Rabbit is about $15 per month less than average, while full coverage is over $30 cheaper a month.

When it comes to usage, Volkswagen Rabbit drivers are much higher than the national average in annual miles driven, with 14,842 miles a year compared to 11,617 for all vehicles.

Volkswagen Rabbit Car Insurance Costs by Model Year

Thus far, you've seen how different variables have an impact on what you'll pay for auto insurance. But if you're in the market for a new car, truck, or SUV and the Rabbit is on your wishlist, knowing what you can expect to pay can be extremely valuable as you weigh your choices.

2009 Volkswagen Rabbit Car Insurance

Liability Only Avg. Premium$66
Full Coverage Avg. Premium$130
Base MSRP$16,300
Cheapest Insurance CompanyDirectGeneral - $17/mo.
Available TrimsRABBIT

2009 Volkswagen Rabbit drivers can expect to pay an average of $66 monthly for liability or $130 for full coverage.

With premiums as cheap as $17 per month, DirectGeneral offered the lowest policy we found for the 2009 Volkswagen Rabbit.

While these are good estimates of what the average driver might pay to insure a 2009 Volkswagen Rabbit, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2008 Volkswagen Rabbit Car Insurance

Liability Only Avg. Premium$91
Full Coverage Avg. Premium$156
Base MSRP$15,600
Cheapest Insurance CompanyElephant - $16/mo.
Available TrimsRABBIT

The average cost to insure a 2008 Rabbit with liability only coverage is $91 a month, while full coverage runs around $156 monthly.

Elephant has prices sometimes as cheap as $16 per month for the 2008 Volkswagen Rabbit.

If you're looking for a more exact figure on what you should pay for car insurance for a 2008 Volkswagen Rabbit, you can get free quotes in minutes by just entering your ZIP code below.

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2007 Volkswagen Rabbit Car Insurance

Liability Only Avg. Premium$79
Full Coverage Avg. Premium$164
Base MSRP$14,990
Cheapest Insurance CompanyCommonwealth Casualty - $19/mo.
Available TrimsRABBIT

You can expect full coverage for a 2007 Volkswagen Rabbit to run about $164 monthly, while liability only coverage will average around $79 per month.

With premiums sometimes as little as $19 a month, Commonwealth Casualty offered the most affordable policy we found.

Want something more accurate than nationwide averages? Enter your ZIP code below to get lots of free personalized quotes.

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2006 Volkswagen Rabbit Car Insurance

Liability Only Avg. Premium$82
Full Coverage Avg. Premium$151
Base MSRP$14,990
Cheapest Insurance CompanyMetLife - $21/mo.
Available TrimsRABBIT

It costs about $82 monthly for liability or $151 for a full coverage policy for the 2006 Rabbit.

We found MetLife offered the cheapest policy, with rates as little as just $21 per month.

If you want to find the best prices for insurance for a 2006 Volkswagen Rabbit, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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Volkswagen Rabbit Insurance FAQs

Is a Volkswagen Rabbit expensive to insure?

The Volkswagen Rabbit is relatively cheap to insure compared to the average vehicle. Liability insurance runs an average of $80 a month, while full coverage will cost you around $153.

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

There's only one way to ensure you're getting the lowest rates -- checking prices regularly and comparing quotes from a multitude 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 let you compare rates from lots 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 Rabbit affect my insurance prices?

You may have heard the old adage that it costs more to insure a red car, but that's simply not true. Although there are a variety of things auto insurance companies look at when they decide how much to charge, your vehicle's color isn't one of them.

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

Before you can legally drive your new (or new to you) Rabbit 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 an insurance policy, but it's best to let your insurance carrier know ahead of time.

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

There are a wide array of different discounts out there when it comes to car insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are more based on you than the Volkswagen Rabbit you drive, but if your Rabbit has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. You'll only know about which discounts you qualify for if you talk with your insurance agent and ask about which discounts they offer.

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