Compare Volkswagen Car Insurance Rates [2023]

Car insurance is one of the best ways drivers can protect themselves financially when behind the wheel. Drivers who want the most protection for their Volkswagen can customize their car insurance policy to include multiple types of car insurance including liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection, medical payments, and gap insurance. Volkswagen car insurance rates vary, so before you purchase insurance, it’s best to review your coverage needs and budget. 

We’ll explain the different types of insurance and how to choose the best Volkswagen car insurance coverage. 

Understanding the Different Types of Car Insurance for a Volkswagen

Car insurance companies offer an array of coverage options for Volkswagens. Drivers get the most protection from liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection, medical payments, and gap insurance.

Liability Car Insurance for a Volkswagon

Most states require drivers to carry liability car insurance. The liability coverage limits vary by state, but this type of coverage pays for bodily injury and property damage expenses for drivers and passengers other than the at-fault driver.

If your state’s liability limits are 20/50/15, your liability insurance will cover $20,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $15,000 property damage liability. 

Collision Car Insurance for a Volkswagon

When your Volkswagen is damaged following a collision with another vehicle or object, collision car insurance is an optional coverage that pays for the repair or replacement of your vehicle. You’ll be asked to cover a portion of the repair or replacement cost in the form of a deductible, which must be paid before the insurance covers the rest of the cost. 

For example, if you choose a $1,000 deductible, and an accident causes $3,000 worth of damage, the remaining $2,000 will be paid by your car insurance company. 

Comprehensive Car Insurance for a Volkswagon

Similar to collision insurance, comprehensive car insurance pays for property damage after the driver pays a deductible, but it only covers non-collision events, including vandalism, fire, theft, falling objects, extreme weather, and hitting an animal. 

Uninsured/Underinsured Motorist Coverage for a Volkswagon

When you’re involved in an accident with a driver who is uninsured or underinsured, uninsured/underinsured motorist coverage covers your bodily injury and property damage expenses. 

Personal Injury Protection (PIP) Coverage for a Volkswagon

Personal injury protection, which is required in 12 states, pays for medical expenses, lost wages, funeral expenses, and replacement services, such as transportation and child care, for the driver and passengers injured in an accident, regardless of fault. 

Medical Payments for a Volkswagon

In states where personal injury protection isn’t required or offered, medical payments coverage is another way to get your and your passengers’ medical expenses paid for following an accident. You can select the coverage limit, but you’ll pay out of pocket for any medical expenses beyond that limit.  

Gap Insurance For a Volkswagon

Drivers of leased or financed vehicles are responsible for paying off their balances in full, even if their vehicle is totaled in an accident. Depending on your insurance coverage, you’ll only receive up to the vehicle’s value from your car insurance company, meaning you’ll be on the hook for the difference. Gap insurance, also known as guaranteed asset protection, fills this gap, so your loan or lease will be completely paid off.

For example, if your totaled vehicle was worth $9,000 and the remaining balance on your loan was $11,000, gap insurance covers the $2,000 difference.

Drivers should prioritize choosing the right coverage for their specific needs. With so many Volkswagen car insurance coverage options, you may be unsure of what you need, but if you focus on your location, vehicle value, cost of coverage, and ownership status, you’ll be able to determine what coverage you need. 

• Location. If you live in a certain state, liability, personal injury protection, or uninsured/underinsured motorist may be required.
• Cost of insurance. Liability insurance is fairly cheap for most drivers, but additional coverage will increase your premium. 
• Value of the vehicle. If your vehicle is worth a certain amount, you’ll want more protection. For example, a 2023 Volkswagen Tiguan starts as low as $26,590, which would be quite a bit to pay out of pocket to replace if it were totaled. 
• Ownership. If you finance or lease your Volkswagen, the lender or dealership may require liability, collision, comprehensive, and gap insurance. 

Depending on your insurance company, you may have the option to update or adjust coverage as your needs change.  

How to Compare Volkswagen Insurance Rates and Coverage Options

Comparing Volkswagen insurance rates and coverage options are two important parts of your search for the best car insurance for your Volkswagen. If you know what coverage you need and your budget, you’ll be better equipped to choose the right insurance company. 

Here are a few different things to look at when choosing a car insurance company. 

Volkswagen Car Insurance Rates

If you have a budget in mind, car insurance companies’ rates that exceed this amount are not a good fit for you. You can narrow down your options by only considering car insurance companies that offer coverage within your budget. 

Volkswagen Car Insurance Coverage Options

Which car insurance companies offer the coverage you need? The policy may be within your budget, but does it include all of the coverage you need? Some quotes may only show what is required in your state, so you want to be sure to make adjustments so you get a more accurate quote.  

Volkswagon Discounts

Car insurance companies are known to offer discounts to customers so they can save on their policies. Nearly 60 common car insurance discounts are available, including the following: 

• Anti-theft: Save for driving a vehicle with anti-theft devices.
• Good Student: Save when you add your teen driver between 16 and 25 who is enrolled in high school or college with good grades. 
• Paid-in-full: Save when paying your premium in one payment instead of monthly, quarterly, or semi-annual installments. 
• Multiple policies: Save when you purchase more than one policy through the same company. 
• Multiple vehicles: Save when you insure more than one vehicle with the same company. 

Customer Service

You’ll need to contact your car insurance company for a number of reasons. Whether you are filing a claim, updating coverage, adding a new vehicle, or canceling your policy, you’ll likely want assistance. Confirm how you can contact customer service and during what hours. Depending on the company, customer service may be available via phone, email, chat, or mobile app 24/7. 

Car Insurance Reviews

Take a look at what current and past customers have to say about the insurance company, including coverage options, discounts, cost, claims process, and customer service. If you’re interested in learning about company ratings, you can take a look at the insurance company’s ratings and scores for the Better Business Bureau (BBB), J.D. Power, A.M. Best, and the National Association of Insurance Commissioners (NAIC).

If you aren’t able to get Volkswagen car insurance coverage for the price you want, this doesn’t mean you’ll be stuck paying that rate. Once you’ve decided on your coverage options and chosen a car insurance company, here are a few ways to lower your rate even further. 

• Increase your car insurance deductible
• Maintain a good driving record
• Improve your credit score
• Bundle auto and home insurance policies
• Review policy and adjust coverage as needed

Your insurance needs can change from year to year, so continue to evaluate your policy and adjust coverage as needed. For example, the 2023 Volkswagen Touareg costs about $1,902 annually, but since the value of vehicles depreciates over time, you’ll eventually drop certain coverages, which will lower your insurance rate. 

Volkswagon Car Insurance Rates: The Bottom Line

You have more control over your VW car insurance rates than you think. Many car insurance companies allow drivers to customize their insurance policies and buy only the Volkswagen car insurance coverage they need. This means you can purchase liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection, medical payments, gap insurance, or any other coverage and potentially build a car insurance policy that works with your budget.