Over the past year, Jerry has helped 27,958 Volkswagen drivers find smarter coverage and real savings. By analyzing thousands of VW policies, we know what owners are paying and what to expect at each level of coverage.
Competitive annual prices for Volkswagen drivers are currently around:
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$1,052 for basic coverage.
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$2,731 for standard coverage.
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$3,236 for premium coverage.
This is just a starting point. The exact rate you’ll pay depends on your location, driving record and the VW model you drive.
On average, Volkswagen drivers pay between $2,442 and $5,119 annually for full coverage, with an average premium around $4,270. That’s slightly above the national average of $4,143, due to advanced tech and moderate repair costs.
Already insured? Jerry pulls live quotes from top insurers so you can compare and see if you’re getting the best price and coverage. If we find a better deal, you can switch right away, even before renewal. Jerry does the legwork to cancel your old policy and help get any refund you’re owed.
Fast track your Volkswagen insurance with Jerry.
How much does Volkswagen insurance cost?
Volkswagen insurance rates can vary widely, but Jerry makes it easy to see what real drivers with your model and profile are paying today.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Even in the same city, two VW drivers can pay very different premiums. Jerry compares top insurers in real time to help you find coverage that fits your car and your budget.
What’s the best insurance for a Volkswagen?
Owning a Volkswagen means driving a car that blends comfort, precision and long-lasting value. Protecting that investment takes coverage that matches those qualities.
If your Volkswagen is financed or leased, your lender will require full coverage. You may also need gap insurance, which helps pay off your loan if your car is totaled.
Jerry recommends Volkswagen drivers carry at least 100/300/100 liability with collision and comprehensive coverage. While that’s higher than most state minimums, it’s smart protection for vehicles with high-end tech and reliable performance.
No matter your lender, price point or carrier, there are many coverage options that can help safeguard your VW. Here are some of the most common ones, what they cover and why Volkswagen drivers choose them.
Higher liability limits
Volkswagens are built for safety and precision, but at-fault accidents can still get expensive. About half (50%) of Jerry VW drivers choose higher-than-minimum coverage.
Full coverage
Comprehensive and collision protect your Volkswagen from theft, weather and at-fault damage. Roughly 44% of VW drivers carry full coverage for extra security.
OEM parts coverage
Keeps your Volkswagen running at its best after a claim with OEM parts and trusted technicians. Typically available for vehicles between three and ten years old.
New car replacement
Replaces your Volkswagen with a new model if it’s totaled early in ownership. It’s especially valuable for new Jetta, Atlas or ID.4 drivers.
Roadside assistance
Covers towing, flat tires and lockouts. New Volkswagens include roadside assistance for up to three years, and many drivers extend coverage.
Rental reimbursement
Covers a rental car while your Volkswagen is being repaired. Most insurers offer 30 to 45 days of coverage depending on your state and policy.
Gap insurance
Covers the remaining balance on your loan or lease if your Volkswagen is totaled. Around 39% of all drivers add gap coverage when financing their car.
Accident forgiveness
Keeps your rate from jumping after your first at-fault accident. Without it, VW drivers often see average increases of nearly 20%.
See coverage options for your Volkswagen.
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Coverage definitions
4 smart ways Volkswagen drivers can lower insurance costs
Finding the right car insurance means balancing cost, coverage and confidence. For Volkswagen drivers, that balance depends on your model, safety features and driving habits.
Jerry’s experts help VW drivers lower premiums without cutting corners on protection. Here are our top tips.
| How to save | Typical savings |
|---|---|
| Compare quotes | 38% to 65% among Volkswagen drivers |
| Stack discounts | 26% to 49% among all drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Use Telematics | 6% among all drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Tip 1: Compare quotes before buying
Not every insurer prices Volkswagen coverage the same. Some overestimate repair costs, while others reward the brand’s reputation for safety and longevity. Comparing quotes helps you get the best price for the same protection.
Here’s where VW drivers who saved most often switched last year after comparing rates with Jerry:
| Insurance carrier | Volkswagen drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 32% | 32% |
| Root | 9% | 32% |
| Bristol West | 7% | 26% |
| National General | 7% | 27% |
| Assurance America | 5% | 25% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Volkswagen drivers can save nearly a third by comparing quotes. Jerry shows real prices in real time so you can find your best deal before you buy.
Tip 2: Stack discounts for more savings
Volkswagen drivers often qualify for multiple discounts like safe driver programs, multi-policy bundles or advanced safety features. But insurers don’t always apply them automatically.
Jerry makes sure you get credit for every available savings opportunity.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: Adjust coverage as your car ages
Volkswagens hold their value well, but your insurance needs change over time. Many drivers lower deductibles or adjust extras once their car is paid off or depreciates.
Minimum
$74 – $170/mo
Offers the legal minimum limits, which vary by state.
Full
$156 – $331/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$194 – $421/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$217 – $457/mo
Raises liability further, lowers deductibles and expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: Most VW drivers carry full coverage and higher liability limits on newer models, then adjust as their cars age. Jerry experts recommend 100/300/100 for solid, balanced protection.
Tip 4: Try telematics for personalized savings
Telematics programs use a mobile app or plug-in device to track your driving habits like braking, acceleration and mileage. This is then used to tailor your rate to how you drive. For VW drivers, these programs can reduce premiums by up to 6%, especially for smooth, consistent drivers.
Methodology
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Jerry Proof: Real Volkswagen drivers, real savings
See how much Volkswagen owners are saving with Jerry. Here are real drivers, their cars and the deals they found after comparing quotes.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
Volkswagen insurance can vary, but overpaying doesn’t have to be part of the journey. Whether you drive a Tiguan, Jetta, Atlas or ID.4, Jerry finds coverage that fits your lifestyle and your budget.
We compare top insurers, apply every discount and manage renewals so your protection stays simple and affordable year after year.
It only takes 2 minutes to sign up at Jerry.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
