Best Volkswagen Car Insurance Rates in 2025

Volkswagen car insurance rates average $148 monthly for full coverage, though rates vary by model, type of car insurance, and other factors. Before purchasing coverage, review your coverage needs and compare VW car insurance quotes to find the right policy for you.

For example, on average, Volkswagen car insurance rates for teens cost $542 monthly, but that price drops to $155 for 30-year-old drivers. So, compare 16-year-old driver car insurance rates to find cheap Volkswagen auto insurance for teen drivers.

Wondering how to save money on Volkswagen insurance? We’ll discuss various Volkswagen car insurance savings tips and compare Volkswagen car insurance coverage options to help you find cheap car insurance rates.

Compare Volkswagen Car Insurance Coverage Options

Car insurance companies offer many coverage options for Volkswagens. However, you’ll get the most protection from a full coverage car insurance policy consisting of liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection, medical payments, and gap insurance.

Liability Car Insurance for a Volkswagen

Most states require drivers to carry liability auto insurance coverage. Liability coverage limits vary by state, but this type of coverage pays for bodily injury and property damage expenses for drivers and passengers other than the at-fault driver.

If your state’s liability limits are 20/50/15, your liability insurance covers $20,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $15,000 property damage liability. 

Collision Car Insurance for a Volkswagen

When your Volkswagen gets damaged following a collision with another vehicle or object, collision car insurance is an optional coverage that pays for the repair or replacement of your vehicle. Before insurance pays out your claim, you must pay a deductible to cover some of the repair or replacement costs.

For example, if you choose a $1,000 deductible, and an accident causes $3,000 worth of damage, the remaining $2,000 gets paid by your car insurance company. 

Comprehensive Car Insurance for a Volkswagen

Like collision insurance, comprehensive car insurance covers property damage once the driver pays a deductible. However, it only covers non-collision events, including vandalism, fire, theft, falling objects, extreme weather, and hitting an animal.

Uninsured/Underinsured Motorist Coverage for a Volkswagen

When you’re involved in an accident with an uninsured or underinsured driver, uninsured/underinsured motorist coverage covers your bodily injury and property damage expenses.

Personal Injury Protection Coverage for a Volkswagen

Personal injury protection, which 12 states require, pays for medical expenses, lost wages, funeral expenses, and replacement services, such as transportation and child care, for the driver and passengers injured in an accident, regardless of fault.

Medical Payments for a Volkswagen

In states where personal injury protection isn’t required or offered, medical payments coverage is another way to pay for your and your passengers’ medical expenses following an accident. You can select the coverage limit, but you’ll pay out of pocket for any medical expenses beyond that limit.  

Gap Insurance for a Volkswagen

If you have a car loan or lease, you must pay off your balance in full, even if your vehicle gets totaled. Depending on your insurance policy, you’ll only receive a check for your vehicle’s value, meaning you’re responsible for covering the difference. (For more information, read our “How do I find out if GAP insurance is included in my car lease?“).

Gap insurance, also known as guaranteed asset protection, fills this gap, so your loan or lease gets completely paid off. For example, if your totaled vehicle was worth $9,000 and the remaining balance on your loan was $11,000, gap insurance covers the $2,000 difference.

Factors to Consider When Determining Volkswagen Car Insurance Coverage Options

Drivers should prioritize choosing the right coverage for their specific needs. With so many Volkswagen car insurance coverage options, you may be unsure of what you need. Consider the following factors when choosing coverages:

• Location: If you live in a certain state, liability, personal injury protection, or uninsured/underinsured motorist may be required.
• Cost of insurance: Finding cheap Volkswagen auto insurance is easy if you only need liability coverage. However, additional coverage will increase your Volkswagen car insurance price.
• Value of the vehicle: You’ll want more protection if your vehicle is worth a certain amount. For example, a 2023 Volkswagen Tiguan starts as low as $26,590, which would be quite a bit to pay out of pocket to replace if it got totaled.
• Ownership: If you finance or lease your Volkswagen, the lender or dealership may require liability, collision, comprehensive, and gap insurance. 

Depending on your insurance company, you can update or adjust coverage as your needs change. 

Compare Volkswagen Car Insurance Rates

Comparing Volkswagen car insurance prices is an important part of your search for cheap Volkswagen auto insurance. Choosing the right insurance company is simple if you know what coverage you need and your budget.

Here are a few things to consider when choosing a car insurance company. 

Volkswagen Car Insurance Rates by Model

Volkswagen car insurance rates average $148 monthly but vary by chosen model and other factors. Take a look at the table below to compare Volkswagen car insurance rates by model and coverage type:

As you can see, Volkswagen Golf R insurance costs $156 monthly, but you could pay $134 by insuring a Volkswagen Tiguan. So, always compare Volkswagen car insurance rates by model to find the right policy for you.

Gear Up for Savings: Compare Volkswagen Car Insurance Rates by Model

Discover and assess the car insurance rates for different Volkswagen models, such as the Volkswagen Atlas, Volkswagen Jetta, Volkswagen Beetle, Volkswagen R32, and Volkswagen GTI. Uncover insights into the differences in insurance costs among these models to assist you in making well-informed decisions when selecting the appropriate coverage for your Volkswagen.

Volkswagen Car Insurance Discounts

Car insurance companies are known to offer discounts to customers so they can save on their policies. Nearly 60 common car insurance discounts are available, including the following: 

• Anti-theft: Anti-theft car insurance discounts help you save for driving a vehicle with anti-theft devices.
• Good student: Save when you add your teen driver between 16 and 25 if they’re enrolled in high school or college and have good grades. 
• Paid-in-full: Save when paying your premium in one payment instead of monthly, quarterly, or semi-annual installments. 
• Multiple policies: Save when you purchase more than one policy through the same company. 
• Multiple vehicles: Save when you insure more than one vehicle with the same company.

If you’re wondering how to save money on Volkswagen insurance, contact your insurance company to see if you qualify for any car insurance discounts.

Volkswagen Car Insurance Customer Service

You’ll need to contact your car insurance company for several reasons. Whether you file a claim, update coverage, add a new vehicle, or cancel your policy, you’ll likely want assistance.

Confirm how you can contact customer service and during what hours. Depending on the company, customer service may be available via phone, email, chat, or mobile app 24/7.

Volkswagen Car Insurance Reviews

Look at what current and past customers say about the insurance company, including coverage options, discounts, cost, claims process, and customer service. To learn about company ratings, examine the insurance company’s ratings and scores for the Better Business Bureau, J.D. Power, A.M. Best, and the National Association of Insurance Commissioners.

Volkswagen Car Insurance Savings Tips

If you can’t get Volkswagen car insurance coverage for the price you want, that doesn’t mean you’ll be stuck paying that rate. Follow these Volkswagen car insurance savings tips if you’re wondering how to save money on Volkswagen insurance:

• Increase your car insurance deductible.
• Maintain a good driving record.
• Improve your credit score.
• Bundle auto and home insurance policies.
• Review policy and adjust coverage as needed.

Your insurance needs can change from year to year, so continue to evaluate your policy and adjust coverage as needed. For example, 2023 Volkswagen Golf insurance costs $148 monthly on average, but since the value of vehicles depreciates over time, you’ll eventually drop certain coverages, lowering your Volkswagen car insurance price.

Finding Affordable Volkswagen Car Insurance Rates

You have more control over your VW car insurance quotes than you think. Many car insurance companies allow drivers to customize their insurance policies and buy only the Volkswagen car insurance coverage they need. 

So, you can purchase liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection, medical payments, gap insurance, or any other coverage and potentially build a car insurance policy that works with your budget.