Who is Volkswagen?
VW, or Volkswagen, is a German car manufacturer famous for its clever engineering and sleek designs. Founded in 1937, it quickly became a global car giant with the VW Beetle and, more recently, the Golf and Passat. With a focus on quality, VW delivers reliable, high-performance cars for all drivers. Over the years, it’s become synonymous with accessible luxury cars that balance style with practicality.
VW is also leading the way in eco-motoring. Its electric car line, including the ID series, reduces emissions without sacrificing style or functionality. With a strong focus on sustainability and innovation, VW is always evolving, giving drivers around the world cars that are fun to drive and responsibly designed. Whether it’s a family car or a city car, VW has something for everyone.
How Much Does a Volkswagen Cost to Insure?
As every driver and their circumstances are unique, there's no straightforward answer to this question. When calculating your premiums, insurance providers consider multiple variables, ensuring your quote is tailored to you and your specific needs. The insurance group your Volkswagen falls into, your driving history, and your no-claims discount all play a part in the cost of your Volkswagen insurance. To highlight this, we've added a breakdown of the average price you might be expected to pay to insure the most common Volkswagen models.
| Model | Average Annual Insurance Cost |
|---|---|
| Volkswagen Beetle | £791 |
| Volkswagen Bora | £797 |
| Volkswagen Caddy | £689 |
| Volkswagen Fox | £610 |
| Volkswagen Golf | £798 |
| Volkswagen ID.3 | £733 |
| Volkswagen Passat | £642 |
| Volkswagen Polo | £703 |
| Volkswagen Scirocco | £754 |
| Volkswagen T-Cross | £429 |
| Volkswagen T-Roc | £726 |
| Volkswagen Tiguan | £664 |
| Volkswagen Touran | £659 |
| Volkswagen Up | £685 |
How Can I Get Cheaper Volkswagen Insurance?
Everyone wants to save on their car insurance premiums. Here are some of our top tips for getting cheaper car insurance.
- Always compare: Never settle for the first quote you receive. Always compare as many quotes from as many providers as possible to find the best price. Remember, many insurance providers offer new customers better deals and prices, so it makes sense to compare and switch!
- Choose a smaller car: If you're looking to cut costs, it makes sense to drive a smaller Volkswagen with a smaller engine, such as the VW Polo. As smaller, less powerful cars are in lower insurance groups, they're cheaper to insure. Avoid larger, luxury models if you want to save.
- Pay annually: Paying for your policy in full often works out cheaper than signing up for monthly payments. Monthly payments come with interest and administration fees, so paying in full can help you save.
- Build your no-claims discount: The longer you can go without making a claim, the better. Insurance providers reward good, safe drivers with lower premiums.
- Consider telematics: Telematics policies are great for younger or more inexperienced drivers. The device installed in your Volkswagen monitors how well you drive, monitoring your speed, how you brake, and whether you drive at night. The safer you drive, the lower your insurance costs will be as a result.
What Factors Influence the Cost of Volkswagen Car Insurance?
The cost of your Volkswagen insurance policy depends on several key elements.
- Driver's age and experience: Statistics show that younger, less experienced drivers are more likely to be involved in an accident and make a claim, therefore younger drivers pay higher premiums. Older, more experienced drivers typically pay lower premiums.
- Annual mileage: A higher mileage means you spend more time behind the wheel, which, according to insurance providers, increases the likelihood of accidents. Therefore, if you spend a lot of time on the road, you'll be expected to pay higher premiums.
- Optional extras: Adding extras to your policy such as breakdown cover, a courtesy car, or legal protection will increase your overall premiums.
- Type of cover: Fully comprehensive cover offers more extensive protection, so it is generally more expensive than options like third-party policies. However, this isn't always the case, which is why comparing as many car insurance quotes as possible is key to finding the best deal.
- Car's insurance group: High-performance VWs such as the Volkswagen Golf R (insurance group 41) and the Volkswagen Touareg V8 TDI (insurance group 49) will be more expensive to insure due to their larger engines, top-spec features, and the increased risk of theft. VWs like the Polo (groups 1-4) and the Golf 1.0 (group 5) will be much cheaper to insure due to their smaller size and cheaper repair costs.
- Your driving record: If you have a clear driving record with no accidents or violations, this will generally lead to lower premiums. If you have points on your license or have made insurance claims in the past, you can expect higher costs.