Jerry Summary

Volkswagen car insurance costs $301 per month, on average, according to our August 2025 analysis of full coverage auto insurance quotes for Jerry customers. AAA offers the cheapest coverage at $162 per month for full coverage. But the model and trim level you choose will greatly influence how much you pay. Save by comparing quotes from multiple insurers, bundling policies and asking for discounts.

Reliable, practical and cleverly engineered, Volkswagen (VW) has earned a global reputation for blending European design with modern drivability. Founded in 1937 and originally launched with the iconic Beetle, VW helped democratize car ownership by creating affordable cars for everyday people — in fact, volkswagen literally translates to the “people’s car.”

Today, Volkswagen has since grown into one of the world’s most recognized automakers — and they don’t just have Herbie to thank. VW’s modern lineup spans everything from efficient compact cars like the Jetta and Golf to tech-forward electric models like the ID.4 and versatile SUVs like the Tiguan and Atlas. Known for solid build quality and understated style, VW vehicles are designed to deliver comfort, safety and performance at a competitive price point… or at least, more affordable than the other brand it owns, Porsche. 

Of course, depending on your trim level, location and coverage needs, insurance premiums for a VW can vary more than you might expect, and drivers will find that their car insurance premiums depend on more than just that badge on the grille. Here’s a look at average costs by model, which insurers offer the best value and how to effectively compare Volkswagen coverage.

Average Volkswagen car insurance costs

The average cost of full coverage Volkswagen car insurance is $301 per month, according to Jerry’s data analysis of auto insurance quotes. Minimum coverage costs an average of $144 per month.

Volkswagen insurance costs aren’t one-size-fits-all. They depend on the vehicle’s model, its age and your personal risk profile. Expensive cars usually mean higher premiums, but there are exceptions. To find the best rate, compare multiple car insurance quotes for the Volkswagen you’re considering.

These full coverage insurance rates from Jerry’s data analysis offer a snapshot of average auto insurance costs for various Volkswagen models.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Average cost of Volkswagen car insurance, by state

Because each state has its own car insurance laws and risk factors — including crime rates, weather events and uninsured drivers — auto insurance costs vary widely across the country.

For example, full coverage Volkswagen auto insurance in California costs an average of $297 per month. In Illinois, the monthly average is $204.

Here’s a look at how full coverage Volkswagen insurance costs differ by state.

Factors that affect Volkswagen car insurance costs

Several factors influence how much you’ll pay to insure a Volkswagen, and your specific model plays a big role. Here’s what can impact your premium:

• Safety features: Volkswagens like the ID.4, Golf and Tiguan have earned IIHS top safety pick ratings in the last few years. Vehicles with strong safety scores often cost less to insure.
• Vehicle value and class: High-value models, like the Golf R, or hybrids and EVs, like the ID. Buzz, will generally cost more to insure than entry-level sedans like the Jetta.
• Engine size: Models with more horsepower are usually more expensive to insure due to higher performance risk.
• Repair and parts costs: Imported and less common Volkswagens may cost more to repair or source parts for, especially electric or older models.
• Vehicle age: Newer cars often come with higher car insurance premiums due to advanced tech and higher replacement costs.
• Your profile: Age, driving record, claims history and your location can all influence your rate. Younger drivers or those in high-risk areas will usually pay more for coverage.

Volkswagen’s reputation for safety and reliability can help reduce insurance costs, but factors like import status and performance can push rates higher depending on the model.

Best Volkswagen car insurance

Each year, Jerry’s editorial staff evaluates the best car insurance companies based on industry rating factors such as combined subsidiary complaints and relative ability to pay out claims.

Here are our top companies for 2025.

These insurers are solid picks overall, but some aren’t available in all states. To see our top insurers in your state, click below.

Cheapest Volkswagen car insurance

Full coverage

AAA offers the cheapest full coverage car insurance for Volkswagen, with an average rate of $162 per month.

The following companies offer the cheapest car insurance rates for Volkswagen, according to Jerry’s analysis of full coverage quotes.

Learn more: What does full coverage car insurance cover?

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Minimum coverage

Mercury offers the cheapest minimum coverage auto insurance for Volkswagen, with an average rate of $50 per month.

According to Jerry’s data, these are the most affordable insurers for a Volkswagen with minimum coverage.

By state

The most affordable Volkswagen insurer differs by state, thanks to unique local laws and coverage requirements. Click below to find the cheapest providers in your state.

Volkswagen Golf auto insurance costs

The average car insurance cost for a Volkswagen Golf is $267 per month, according to Jerry’s data analysis of full coverage quotes.

The Volkswagen Golf is a compact hatchback that blends practicality and affordability with a fun-to-drive feel, making it a popular choice for daily commuters and enthusiasts alike. For 2025, the Golf GTI starts at $32,445, while the high-performance Golf R jumps to $47,100, adding all-wheel drive, adaptive suspension and a 328 HP engine.

Thanks to its smaller size and top safety ratings in recent years, the Golf can be more affordable to insure than larger or luxury vehicles. However, insurance costs can rise with higher trims, turbocharged engines and specialty features. Models with more power and performance enhancements may also come with higher repair costs and a greater risk profile, which insurers factor into premiums.

Here are Golf auto insurance rates from Jerry customers with full coverage policies.

Volkswagen Jetta auto insurance costs

The average car insurance cost for a Volkswagen Jetta is $302 per month, according to Jerry’s data analysis of full coverage quotes.

The Volkswagen Jetta has been a driver favorite since its introduction in 1979, and was even a regular IIHS top safety pick through 2017. While the new version — redesigned in 2018 for the 2019 model year — hasn’t earned quite the same safety reputation as model years past, and the Jetta is no longer VW’s top-selling vehicle, it’s still a popular vehicle worldwide.

Here are Jetta auto insurance rates from Jerry customers with full coverage policies.

Volkswagen Atlas auto insurance costs

The average car insurance cost for a Volkswagen Atlas is $294 per month, according to Jerry’s data analysis of full coverage quotes.

The Volkswagen Atlas is a midsize SUV that offers three rows of spacious seating and family-friendly practicality, with the peace of mind of a 2024 IIHS top safety rating. The base model 2025 Atlas SE starts at $38,200 and climbs to $53,205 for the SEL Premium R-Line, adding upscale touches along the way like massage seats, panoramic sunroof and advanced driver-assistance features like an overhead view camera.

While not as costly as a luxury SUV, the Atlas’s size, tech-forward interior and relatively high repair costs can still lead to above-average insurance premiums, especially for higher trims or new models.

Here are Atlas auto insurance rates from Jerry customers with full coverage policies.

Volkswagen Tiguan auto insurance costs

The average car insurance cost for a Volkswagen Tiguan is $294 per month, according to Jerry’s data analysis of full coverage quotes.

The Volkswagen Tiguan is a compact SUV that offers a comfortable ride, refined styling and available third-row seating—making it a versatile pick for families and commuters alike. It’s also VW’s top-selling vehicle across the world. For 2025, the Tiguan starts around $30,245 for the base S trim and can climb to over $40,505 for higher trims with 4MOTION® all-wheel drive and upgraded tech and interior features.

Insurance for the Tiguan tends to be moderate compared to larger or luxury SUVs. Its safety features and practical design help keep premiums reasonable, but costs can vary depending on trim level, added tech and repair complexity. Opting for a top-tier model with advanced driver-assistance systems or AWD may increase insurance costs slightly, but could also mean unlocking discounts with some insurers.

Here are Tiguan auto insurance rates from Jerry customers with full coverage policies.

Volkswagen car insurance shopping tips

Want to save on your Volkswagen car insurance? Here are some smart strategies from the experts at Jerry:

• Compare multiple quotes. Insurance companies calculate rates differently, so shopping around for coverage is one of the best ways to find savings. Jerry makes it easy by gathering quotes from multiple top insurers in minutes, and even helps you switch if you find a great rate.
• Research before you buy. Planning to get a new Volkswagen? Look into insurance rates by model to see what you can expect to pay. Vehicles with lower values, strong safety ratings and solid security features usually cost less to insure.
• Bundle your policies. You can often get a discount by bundling your car insurance with home, renters, or other types of insurance through the same provider.
• Try a telematics program. Many insurers offer discounts if you enroll in a usage-based or telematics program that monitors your driving. Safe drivers may save more, and some companies offer a discount just for signing up.
• Adjust your coverage. For older Volkswagens with lower values, it might make sense to drop full coverage. If your car’s value is close to or less than your annual premium, consider whether liability-only coverage is worth the switch.
• Raise your deductible. Increasing your deductible — or the portion you pay before insurance kicks in — can lower your monthly premium. Just be sure you can afford to cover this if and when you need to file a claim.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS

Stephanie Colestock

Stephanie Colestock is a seasoned writer 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, credit and debt management, banking, investing, retirement planning, and household finances.

Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Forbes, 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 helping individuals make smarter financial decisions through her engaging and well-researched articles.

See more