Estimates, not quotes

Volkswagen Taos Insurance Cost

Full coverage for a Volkswagen Taos costs about $1,355 a year ($113/month) by our estimate — ▼ −15% versus the average vehicle, ranking 36th cheapest of 310 current models.

Volkswagen Taos exterior (photo from Wikimedia Commons)
Photo: Alexander-93, CC BY-SA 4.0
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

Volkswagen Taos insurance cost at a glance

Full coverage
$1,355
$113/mo · $1,115–$1,600
Minimum liability
$615
$51/mo
Segment
Small SUV
Gasoline
HLDI collision losses
68
Much better than average (100 = avg)
NHTSA overall
★★★★☆
2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2022–2027 model years of the Volkswagen Taos.

Estimated Volkswagen Taos premium by coverage level (national average rates)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $615 $51 $500–$725
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $890 $74 $730–$1,050
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,355 $113 $1,115–$1,600

What drives the cost of insuring a Volkswagen Taos

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Volkswagen Taos's results put our vehicle factor at 1.00× for liability, 0.72× for collision and 0.57× for comprehensive.

HLDI relative insurance losses — Volkswagen Taos 4dr (Small SUVs)
CoverageIndexRatingWhat it measures
Collision68Much better than averageDamage to this car in crashes; driven by repair costs and crash frequency
Comprehensive52Much better than averageTheft, vandalism, glass, weather and animal damage
Property damage liability101AverageDamage this car does to other vehicles and property
Bodily injury liability105AverageInjuries to people in other vehicles (claim frequency)
Personal injury protection95Better than averageInjuries to occupants of this car (claim frequency)
Medical payments109Worse than averageInjuries to occupants of this car (claim frequency)
HLDI results by body style / drivetrain (2)
VariantCollisionComprehensiveProp. damageBodily injury
Volkswagen Taos 4dr6852101105
Volkswagen Taos 4dr 4WD65619188
  • Repair and parts costs: Small SUV — mainstream parts availability keeps repairs moderate.
  • Safety: 4-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
  • Recalls & complaints: 2 NHTSA recall campaigns and 13 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Volkswagen Taos trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

ConfigurationDriveEngineMPG (comb.)
TaosFWD1.5L 4-cyl Turbo30
Taos 4motion4WD1.5L 4-cyl Turbo28

Volkswagen Taos insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model yearEnginesDriveMPGEst. full / yr
20271.5L 4-cyl Turbo4WD, FWD28–30$1,355
20261.5L 4-cyl Turbo4WD, FWD28–31$1,335
20251.5L 4-cyl TurboAWD, FWD28–31$1,315
20241.5L 4-cyl TurboAWD, FWD27–31$1,295
20231.5L 4-cyl TurboAWD, FWD28–31$1,275
20221.5L 4-cyl TurboAWD, FWD28–31$1,250

Volkswagen Taos insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.

StateFull coverageMinimumvs. national
Alabama$1,155$480−15%
Alaska$1,185$625−13%
Arizona$1,425$660+5%
Arkansas$1,150$450−15%
California$1,320$570−3%
Colorado$1,505$650+11%
Connecticut$1,475$710+9%
Delaware$1,570$800+16%
District of Columbia$1,700$740+25%
Florida$2,030$1,075+50%
Georgia$1,730$870+28%
Hawaii$925$435−32%
Idaho$915$400−32%
Illinois$1,160$495−14%
Indiana$950$405−30%
Iowa$870$310−36%
Kansas$1,035$400−24%
Kentucky$1,145$525−15%
Louisiana$1,885$790+39%
Maine$850$425−37%
Maryland$1,540$750+14%
Massachusetts$1,335$590−1%
Michigan$1,470$765+8%
Minnesota$1,095$470−19%
Mississippi$1,265$530−7%
Missouri$1,205$510−11%
Montana$1,025$390−24%
Nebraska$1,035$400−24%
Nevada$1,635$865+21%
New Hampshire$955$400−30%
New Jersey$1,695$935+25%
New Mexico$1,200$520−11%
New York$1,870$930+38%
North Carolina$975$445−28%
North Dakota$805$275−41%
Ohio$955$405−30%
Oklahoma$1,175$470−13%
Oregon$1,255$625−7%
Pennsylvania$1,155$425−15%
Rhode Island$1,680$820+24%
South Carolina$1,480$730+9%
South Dakota$945$315−30%
Tennessee$1,100$450−19%
Texas$1,570$690+16%
Utah$1,265$650−7%
Vermont$845$315−38%
Virginia$1,165$625−14%
Washington$1,210$590−11%
West Virginia$1,090$435−20%
Wisconsin$900$370−34%
Wyoming$970$325−28%

Volkswagen Taos insurance by driver profile

Estimated annual Volkswagen Taos premium by driver (national average rates)
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,685 $2,445 $3,730 $311
Young adult (22) $980 $1,420 $2,170 $181
Adult in their 30s $615 $890 $1,355 $113
Adult in their 50s $565 $815 $1,250 $104
Senior (72) $685 $995 $1,520 $127
30s, one at-fault accident $890 $1,290 $1,970 $164
30s, DUI on record $1,135 $1,645 $2,510 $209

Volkswagen Taos vs. rivals

ModelFull coverage / yrHLDI collisionHLDI comprehensiveComparison
Volkswagen Taos$1,3556852—
Honda CR-V$1,2006365—
Subaru Forester$1,1406484—
Mazda CX-5$1,3258071—

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Frequently asked questions

How much is insurance for a Volkswagen Taos?

We estimate about $1,355 a year ($113 a month) for full coverage and $615 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 15% less than the average vehicle.

Is the Volkswagen Taos expensive to insure?

HLDI insurance-loss data rates it at 68 for collision and 52 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much better than average.

Which state is cheapest to insure a Volkswagen Taos?

North Dakota has the lowest estimate (about $805 a year for full coverage) and Florida the highest (about $2,030).

What is the Volkswagen Taos's NHTSA safety rating?

The 2026 Volkswagen Taos earned 4 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Volkswagen Taos cheaper to insure than the Honda CR-V?

By our estimate the Volkswagen Taos costs about $1,355 a year versus $1,200 for the Honda CR-V, making the Honda CR-V cheaper to insure.

How much is Volkswagen Taos insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $3,730 a year at national-average rates by our estimate.

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