Volkswagen Tiguan Insurance Cost

Full coverage for a Volkswagen Tiguan costs about $1,365 a year ($114/month) by our estimate — ▼ −14% versus the average vehicle, ranking 39th cheapest of 310 current models.

Volkswagen Tiguan 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 Tiguan insurance cost at a glance

Full coverage

$1,365

$114/mo · $1,120–$1,610

Minimum liability

$570

$48/mo

Segment

Midsize SUV

Gasoline

HLDI collision losses

Much better than average (100 = avg)

NHTSA overall

★★★★★

2027 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 2009–2027 model years of the Volkswagen Tiguan.

Estimated Volkswagen Tiguan premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$570	$48	$470–$675
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$830	$69	$680–$980
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,365	$114	$1,120–$1,610

What drives the cost of insuring a Volkswagen Tiguan

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 Tiguan's results put our vehicle factor at 0.93× for liability, 0.76× for collision and 0.75× for comprehensive.

HLDI relative insurance losses — Volkswagen Tiguan 4dr (Midsize SUVs)
Coverage	Index	Rating	What it measures
Collision	72	Much better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	72	Much better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	88	Better than average	Damage this car does to other vehicles and property
Bodily injury liability	100	Average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	99	Average	Injuries to occupants of this car (claim frequency)
Medical payments	115	Worse than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Volkswagen Tiguan 4dr	72	72	88	100
Volkswagen Tiguan 4dr 4WD	68	77	79	73

Repair and parts costs: Midsize SUV — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 3 NHTSA recall campaigns and 78 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Volkswagen Tiguan 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.

Configuration	Drive	Engine	MPG (comb.)
Tiguan	FWD	2.0L 4-cyl Turbo	28
Tiguan 4motion	AWD	2.0L 4-cyl Turbo	26
Tiguan S	FWD	2.0L 4-cyl Turbo	29
Tiguan SEL 4Motion	AWD	2.0L 4-cyl Turbo	25

Volkswagen Tiguan 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 year	Engines	Drive	MPG	Est. full / yr
2027	2.0L 4-cyl Turbo	AWD, FWD	25–29	$1,365
2026	2.0L 4-cyl Turbo	AWD, FWD	25–29	$1,340
2025	2.0L 4-cyl Turbo	AWD, FWD	25–29	$1,315
2024	2.0L 4-cyl Turbo	AWD, FWD	24–27	$1,290
2023	2.0L 4-cyl Turbo	AWD, FWD	24–27	$1,265
2022	2.0L 4-cyl Turbo	AWD, FWD	24–26	$1,245
2021	2.0L 4-cyl Turbo	AWD, FWD	24–25	$1,220
2020	2.0L 4-cyl Turbo	AWD, FWD	23–25	$1,195
2019	2.0L 4-cyl Turbo	AWD, FWD	24–25	$1,170
2018	2.0L 4-cyl Turbo	AWD, FWD	22–24	$1,145
2017	2.0L 4-cyl Turbo	AWD, FWD	21–22	$1,125
2016	2.0L 4-cyl Turbo	AWD, FWD	22–23	$1,100
2015	2.0L 4-cyl Turbo	AWD, FWD	22–23	$1,095
2014	2.0L 4-cyl Turbo	AWD, FWD	21–23	$1,095
2013	2.0L 4-cyl Turbo	AWD, FWD	21–23	$1,095
2012	2.0L 4-cyl Turbo	AWD, FWD	21–24	$1,095
2011	2.0L 4-cyl Turbo	AWD, FWD	21–22	$1,095
2010	2.0L 4-cyl Turbo	AWD, FWD	20–21	$1,095
2009	2.0L 4-cyl Turbo	4WD/AWD, FWD	20–21	$1,095

Volkswagen Tiguan 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, or open the Tiguan page for that state.

State	Full coverage	Minimum	vs. national	Tiguan page
Alabama	$1,175	$445	−14%	Tiguan in AL
Alaska	$1,190	$580	−13%	Tiguan in AK
Arizona	$1,435	$615	+5%	Tiguan in AZ
Arkansas	$1,180	$420	−14%	Tiguan in AR
California	$1,320	$535	−3%	Tiguan in CA
Colorado	$1,545	$610	+13%	Tiguan in CO
Connecticut	$1,460	$665	+7%	Tiguan in CT
Delaware	$1,545	$750	+13%	Tiguan in DE
District of Columbia	$1,710	$690	+25%	Tiguan in DC
Florida	$1,990	$1,005	+46%	Tiguan in FL
Georgia	$1,710	$815	+25%	Tiguan in GA
Hawaii	$930	$405	−32%	Tiguan in HI
Idaho	$920	$375	−33%	Tiguan in ID
Illinois	$1,175	$465	−14%	Tiguan in IL
Indiana	$960	$375	−30%	Tiguan in IN
Iowa	$910	$290	−33%	Tiguan in IA
Kansas	$1,075	$375	−21%	Tiguan in KS
Kentucky	$1,150	$490	−16%	Tiguan in KY
Louisiana	$1,895	$740	+39%	Tiguan in LA
Maine	$860	$395	−37%	Tiguan in ME
Maryland	$1,535	$700	+12%	Tiguan in MD
Massachusetts	$1,335	$550	−2%	Tiguan in MA
Michigan	$1,475	$715	+8%	Tiguan in MI
Minnesota	$1,130	$440	−17%	Tiguan in MN
Mississippi	$1,295	$495	−5%	Tiguan in MS
Missouri	$1,230	$475	−10%	Tiguan in MO
Montana	$1,070	$365	−22%	Tiguan in MT
Nebraska	$1,075	$375	−21%	Tiguan in NE
Nevada	$1,600	$810	+17%	Tiguan in NV
New Hampshire	$960	$375	−30%	Tiguan in NH
New Jersey	$1,665	$875	+22%	Tiguan in NJ
New Mexico	$1,215	$485	−11%	Tiguan in NM
New York	$1,850	$865	+36%	Tiguan in NY
North Carolina	$995	$420	−27%	Tiguan in NC
North Dakota	$850	$260	−38%	Tiguan in ND
Ohio	$965	$375	−29%	Tiguan in OH
Oklahoma	$1,215	$440	−11%	Tiguan in OK
Oregon	$1,240	$585	−9%	Tiguan in OR
Pennsylvania	$1,175	$395	−14%	Tiguan in PA
Rhode Island	$1,660	$765	+22%	Tiguan in RI
South Carolina	$1,475	$685	+8%	Tiguan in SC
South Dakota	$1,015	$295	−26%	Tiguan in SD
Tennessee	$1,120	$420	−18%	Tiguan in TN
Texas	$1,605	$645	+18%	Tiguan in TX
Utah	$1,250	$610	−8%	Tiguan in UT
Vermont	$870	$295	−36%	Tiguan in VT
Virginia	$1,170	$585	−14%	Tiguan in VA
Washington	$1,200	$550	−12%	Tiguan in WA
West Virginia	$1,125	$405	−18%	Tiguan in WV
Wisconsin	$925	$345	−32%	Tiguan in WI
Wyoming	$1,040	$305	−24%	Tiguan in WY

Volkswagen Tiguan insurance by driver profile

Estimated annual Volkswagen Tiguan premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,575	$2,285	$3,750	$313
Young adult (22)	$915	$1,330	$2,180	$182
Adult in their 30s	$570	$830	$1,365	$114
Adult in their 50s	$525	$765	$1,255	$105
Senior (72)	$640	$930	$1,525	$127
30s, one at-fault accident	$830	$1,205	$1,975	$165
30s, DUI on record	$1,060	$1,535	$2,520	$210

Volkswagen Tiguan vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Volkswagen Tiguan	$1,365	72	72	—
Jeep Wrangler	$1,355	47	42	Compare
Ford Explorer	$1,400	85	81	Compare
Ford Edge	$1,365	85	73	Compare

Estimate Volkswagen Tiguan insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Volkswagen models

Atlas $1,305/yr
Atlas Cross Sport $1,415/yr
Golf R $1,285/yr
GTI $1,295/yr
ID. Buzz $1,485/yr
Jetta $1,695/yr
Taos $1,355/yr
ID.4 $1,480/yr
Arteon $1,535/yr
Passat $1,445/yr
Golf $1,365/yr
Beetle $1,275/yr
CC $1,285/yr
Touareg $1,225/yr
Eos $1,220/yr
Routan $1,135/yr
Rabbit $1,245/yr
R32 $1,245/yr
Phaeton $1,260/yr

All Volkswagen insurance costs →

Frequently asked questions

How much is insurance for a Volkswagen Tiguan?

We estimate about $1,365 a year ($114 a month) for full coverage and $570 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 14% less than the average vehicle.

Is the Volkswagen Tiguan expensive to insure?

HLDI insurance-loss data rates it at 72 for collision and 72 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much better than average.

Which state is cheapest to insure a Volkswagen Tiguan?

North Dakota has the lowest estimate (about $850 a year for full coverage) and Florida the highest (about $1,990).

What is the Volkswagen Tiguan's NHTSA safety rating?

The 2027 Volkswagen Tiguan earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Volkswagen Tiguan cheaper to insure than the Jeep Wrangler?

By our estimate the Volkswagen Tiguan costs about $1,365 a year versus $1,355 for the Jeep Wrangler, making the Jeep Wrangler cheaper to insure.

How much is Volkswagen Tiguan insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $3,750 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