Volkswagen Insurance Rates | What’s the average?
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UPDATED: Mar 19, 2021
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There is a considerable difference in the types of coverage offered by different insurance providers.
Getting the best deal involves making sure the coverage you have is right for you and your car. A good Volkswagen insurance policy should ideally let you rest assured your provider has your back.
Many factors shape the cost of your premium that you can’t change, such as your age and gender. However, others can be worked on, such as a poor driving record.
Another element that impacts your insurance cost is the make and model of your car.
To get an accurate idea of what you’ll pay for your Volkswagen insurance, you need to develop an understanding of how providers view risk, and how that relates to the car you own.
How Much Does Volkswagen Insurance Cost?
Volkswagen insurance is generally cheaper than average insurance, although it does vary from person to person.
Since the price of car insurance can be influenced by many different factors, including what car you drive, below we’ve explained a few of the most common.
Volkswagen Safety Rating & Damage Threshold
Safety ratings and damage thresholds influence the price of car insurance. Generally speaking, the safer a car is, the lower the cost of the coverage. The cost of repairs and labor associated with a vehicle also affects the price of an insurance premium.
The Insurance Institute for Highway Safety, Highway Loss Data Institute compiles safety ratings for cars on the U.S. market. In the IIHS “Crashworthiness” category the 2018 Volkswagen Golf was awarded a rating of “good” in five of the six categories.
The 2018 Volkswagen Tiguan received a rating of “good” in every category and was also awarded a TOP SAFETY PICK, making it one of the safest Volkswagen vehicles available.
Volkswagen Comprehensive & Collision Coverage
The cash value of the car you’re insuring influences the price of your comprehensive and collision coverage. According to Kelley Blue Book, the average cost of an entry-level 2018 Volkswagen Golf in the San Francisco area is $19,613 to $21,298.
You should expect to pay between $20,728 to $22,889 for a brand new 2018 Volkswagen Tiguan, according to Kelley Blue Book. An insurance provider considers these relatively low prices and adjusts the cost of your premium accordingly.
Volkswagen Claims Frequency & Potential to Cause Damage
The number of claims made by drivers and their dollar amounts have a direct effect on the price of insurance quotes for that vehicle. The IIHS records this data and is an essential resource for people searching for the best vehicle choices.
The Volkswagen Golf’s rate of collision claims is 16% lower than average, and the Volkswagen Passat’s is 6% lower as well. These stats could have a positive effect on the price of your insurance premium as they are both some of the best-rated vehicles in their respective classes.
Volkswagen Insurance Discounts
As mentioned earlier, there are ways to score big discounts on your Volkswagen insurance. Insurance providers always look positively on cars equipped with modern safety equipment. Volkswagens are already fitted with a variety of equipment features designed to make driving safer, such as ABS, tire monitoring indicators, and driver alert systems.
This technology could help reduce the overall cost of your auto insurance.
Getting a Quote: What are the Best Companies for Volkswagen Insurance?
When you’re in the market for Volkswagen insurance, add these two items to your agenda. First, always shop around—get a few (minimum of three) quotes from competing companies and see how they stack up. Second, read a ton of customer reviews, so you get a good general idea of the claims servicing process.
As Volkswagen is known for manufacturing reasonably-priced cars, there is no need for specialty insurance.
A few questions to ask a prospective provider are the following:
- Are there any low mileage discounts?
- I have a clean driving record, does that lower my premium?
- If I store my car in my garage, do I pay less on my insurance?
Enter your ZIP code below to view companies that have cheap insurance rates.
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What to Know About Volkswagen
Volkswagen emerged during the post-war period when the need for cheap and reliable automobiles became overwhelming.
Now Europe’s largest vehicle manufacturer, Volkswagen produces a range of affordable, well-built cars for the masses. Indeed, the company’s name literally means “people’s car” in German. In recent years, Volkswagen has continuously strived to increase the quality of the vehicles it manufactures.
After reading this guide, we hope you’ve been armed with enough information to get a great deal on a Volkswagen insurance policy.