Volkswagen Insurance Cost
Across 9 current Volkswagen models, full coverage averages about $1,409 a year by our estimate — −11% versus the average vehicle ($1,590).
Volkswagen insurance profile
Volkswagen’s lineup is made up mostly of 4 midsize suvs, 2 compact cars, and 1 minivan. HLDI collision losses for its models average 86 (100 = all-vehicle average).
Every Volkswagen model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| Golf R | Compact car | 2012–2027 | 98 | $1,285 | −19% |
| GTI | Compact car | 2005–2027 | 78 | $1,295 | −19% |
| Atlas | Midsize SUV | 2018–2027 | 76 | $1,305 | −18% |
| Taos | Small SUV | 2022–2027 | 68 | $1,355 | −15% |
| Tiguan | Midsize SUV | 2009–2027 | 72 | $1,365 | −14% |
| Atlas Cross Sport | Midsize SUV | 2020–2027 | 92 | $1,415 | −11% |
| ID.4 | Midsize SUV | 2021–2026 | 98 | $1,480 | −7% |
| ID. Buzz | Minivan | 2025–2027 | — | $1,485 | −7% |
| Jetta | Midsize car | 2005–2027 | 103 | $1,695 | +7% |
Older and discontinued Volkswagen models
What makes Volkswagen insurance cost more or less
- EV batteries: 2 electric models — battery packs and high-voltage components are costly to repair or replace after a crash.
- Claims history: HLDI collision indices across 8 models range from 68 to 103, so the model you pick matters as much as the brand.
- Segment mix: 4 midsize suv, 2 compact car, 1 minivan, 1 small suv, 1 midsize car.
Average Volkswagen insurance cost by state
Average full-coverage estimate across current Volkswagen models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| North Dakota | $897 | −36% |
| Maine | $898 | −36% |
| Vermont | $915 | −35% |
| Iowa | $952 | −32% |
| Idaho | $958 | −32% |
| Wisconsin | $962 | −32% |
| Hawaii | $974 | −31% |
| Indiana | $1,002 | −29% |
| New Hampshire | $1,005 | −29% |
| Ohio | $1,007 | −29% |
| North Carolina | $1,051 | −25% |
| South Dakota | $1,066 | −24% |
| Wyoming | $1,090 | −23% |
| Montana | $1,118 | −21% |
| Kansas | $1,122 | −20% |
| Nebraska | $1,123 | −20% |
| Tennessee | $1,171 | −17% |
| Minnesota | $1,172 | −17% |
| West Virginia | $1,174 | −17% |
| Kentucky | $1,187 | −16% |
| Virginia | $1,214 | −14% |
| Illinois | $1,223 | −13% |
| Alabama | $1,227 | −13% |
| Pennsylvania | $1,229 | −13% |
| Washington | $1,233 | −12% |
| Alaska | $1,237 | −12% |
| Arkansas | $1,239 | −12% |
| New Mexico | $1,263 | −10% |
| Oklahoma | $1,266 | −10% |
| Oregon | $1,270 | −10% |
| Missouri | $1,277 | −9% |
| Utah | $1,284 | −9% |
| Mississippi | $1,346 | −4% |
| California | $1,387 | −2% |
| Massachusetts | $1,389 | −1% |
| Arizona | $1,479 | +5% |
| Connecticut | $1,503 | +7% |
| South Carolina | $1,509 | +7% |
| Michigan | $1,538 | +9% |
| Delaware | $1,579 | +12% |
| Maryland | $1,586 | +13% |
| Colorado | $1,596 | +13% |
| Nevada | $1,628 | +16% |
| Texas | $1,666 | +18% |
| New Jersey | $1,705 | +21% |
| Rhode Island | $1,709 | +21% |
| Georgia | $1,750 | +24% |
| District of Columbia | $1,780 | +26% |
| New York | $1,897 | +35% |
| Louisiana | $1,952 | +39% |
| Florida | $2,022 | +44% |
Frequently asked questions
How much does it cost to insure a Volkswagen?
Across 9 current Volkswagen models, our full-coverage estimate averages $1,409 a year for a driver in their 30s with a clean record, 11% less than the average vehicle ($1,590).
What is the cheapest Volkswagen to insure?
The Volkswagen Golf R has the lowest estimate at about $1,285 a year for full coverage; the Volkswagen Jetta is the most expensive at about $1,695.
Are Volkswagen repairs expensive for insurers?
HLDI collision-loss data for 8 Volkswagen models averages 86 (100 = average of all vehicles), which is better than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a Volkswagen?
By our estimates, North Dakota is the cheapest state (about $897 a year on average across current models) and Florida the most expensive (about $2,022).
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.