Car insurance for Volkswagen

Factors that impact insurance costs

• Do insurance companies see Volkswagen as safe cars?

  Volkswagen has a reputation for producing safe vehicles, and many of the company's models support this reputation through their crash ratings. Not only do Volkswagens tend to achieve high safety ratings, but they also incorporate several features to help reduce the likelihood of an accident occurring, like emergency braking, blind spot monitoring and adaptive cruise control. However, Volkswagens typically have powerful engines, which some insurers will see as an added risk.

• Are Volkswagens expensive to insure?

  Generally, Volkswagen vehicles can be relatively affordable to insure, but there are some exceptions. The model and trim you choose will have a significant impact on your prospective premiums. Models with more advanced features and powerful engines will generally cost more to insure as there are more potential costs that the vehicle's insurance may need to cover. For instance, the base trim of an ID.4 is likely to be more expensive to insure than the base Jetta due to the advanced electronics that help define the ID.4. Still, all things considered, Volkswagens tend to have comparable average costs.

• Do Volkswagens have good resale value?

  Volkswagen vehicles have a mixed reception in the used car market, with some models like the Golf and Jetta performing fairly well while other models struggle. Because resale value is heavily dependent on consumer interests and market demand, it can vary significantly from year to year, even for the same model. To help maximize and retain your vehicle's resale value, keep up with regular recommended maintenance and maintain a thorough log of each service performed.

Methodology

Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

• Credit-based insurance scores:

  Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan. 

   

• Incidents:

  Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

• Mileage:

  Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.

• Model:

  Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.

• Age:

  Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy. 

• Gender:

  The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

• Status:

  Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.