Volkswagen Touareg vs Ford Flex Insurance Cost

The Volkswagen Touareg is cheaper to insure by about $60 a year for full coverage by our estimate ($1,225 vs. $1,285), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Volkswagen Touareg	Ford Flex	Difference
State minimum	$585	$585	—
Standard (100/300/100)	$845	$845	—
Full coverage	$1,225	$1,285	−$60

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Touareg minus Flex.

Why one costs more to insure

Factor	Volkswagen Touareg	Ford Flex
Segment	Midsize SUV	Midsize SUV
Powertrains	Gasoline, Hybrid, Diesel	Gasoline
HLDI collision (100 = avg)	—	—
HLDI comprehensive	—	—
HLDI property damage liability	—	—
HLDI bodily injury liability	—	—
NHTSA overall rating	—	—
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	5	6

Touareg vs Flex insurance by state

State	Touareg	Flex	Difference
Alabama	$1,035	$1,095	−$60
Alaska	$1,065	$1,120	−$55
Arizona	$1,295	$1,355	−$60
Arkansas	$1,025	$1,095	−$70
California	$1,170	$1,240	−$70
Colorado	$1,365	$1,440	−$75
Connecticut	$1,335	$1,395	−$60
Delaware	$1,435	$1,485	−$50
District of Columbia	$1,525	$1,610	−$85
Florida	$1,865	$1,925	−$60
Georgia	$1,580	$1,640	−$60
Hawaii	$825	$870	−$45
Idaho	$825	$865	−$40
Illinois	$1,045	$1,100	−$55
Indiana	$855	$900	−$45
Iowa	$780	$835	−$55
Kansas	$930	$990	−$60
Kentucky	$1,035	$1,090	−$55
Louisiana	$1,710	$1,795	−$85
Maine	$760	$805	−$45
Maryland	$1,395	$1,460	−$65
Massachusetts	$1,195	$1,260	−$65
Michigan	$1,315	$1,390	−$75
Minnesota	$990	$1,050	−$60
Mississippi	$1,140	$1,205	−$65
Missouri	$1,085	$1,150	−$65
Montana	$925	$985	−$60
Nebraska	$930	$990	−$60
Nevada	$1,500	$1,550	−$50
New Hampshire	$850	$900	−$50
New Jersey	$1,545	$1,605	−$60
New Mexico	$1,080	$1,140	−$60
New York	$1,705	$1,775	−$70
North Carolina	$865	$925	−$60
North Dakota	$720	$775	−$55
Ohio	$855	$905	−$50
Oklahoma	$1,055	$1,125	−$70
Oregon	$1,140	$1,190	−$50
Pennsylvania	$1,035	$1,095	−$60
Rhode Island	$1,525	$1,590	−$65
South Carolina	$1,355	$1,410	−$55
South Dakota	$850	$920	−$70
Tennessee	$985	$1,045	−$60
Texas	$1,415	$1,500	−$85
Utah	$1,150	$1,195	−$45
Vermont	$750	$800	−$50
Virginia	$1,050	$1,105	−$55
Washington	$1,100	$1,145	−$45
West Virginia	$980	$1,040	−$60
Wisconsin	$810	$860	−$50
Wyoming	$870	$940	−$70

By driver profile (full coverage)

Driver	Touareg	Flex
Teen driver (18, own policy)	$3,370	$3,540
Young adult (22)	$1,960	$2,060
Adult in their 30s	$1,225	$1,285
Adult in their 50s	$1,125	$1,185
Senior (72)	$1,370	$1,440
30s, one at-fault accident	$1,775	$1,865
30s, DUI on record	$2,265	$2,380

More comparisons

Frequently asked questions

Is the Volkswagen Touareg or the Ford Flex cheaper to insure?

By our estimate the Volkswagen Touareg is cheaper, by about $60 a year for full coverage ($1,225 vs. $1,285) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Volkswagen Touareg and Ford Flex?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. n/a and comprehensive indices of n/a vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page