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Volkswagen auto insurance: what you need to know.

Insurance rates for Volkswagens can vary drastically, not only because there are so many different makes and models, but because drivers themselves will impact how much insurance rates cost — even for the same vehicle.

Volkswagen offers a wide range of vehicles, from its entry-level Jetta models to higher-end Golf GTI models that are designed for those who care about performance. A general rule of thumb is, the more expensive a car, the more you’ll be paying to insure it. Other factors will also determine your insurance rates, such as whether the car is new or used, and whether thieves tend to target it.

For instance, a young driver just buying a brand new Jetta will likely be paying more than an older driver who has decades of flawless driving history driving the same car. That being said, Volkswagens are known for their high safety crash ratings, which can help curb insurance costs.

This page will give you an idea of how much it costs to insure the most popular Volkswagen models in Canada.

Your questions about Volkswagen auto insurance rates, answered.

How much does car insurance cost for a Volkswagen?

A multitude of variables determines how much you pay for car insurance. The car model you choose is one of them. We’ve run sample quotes for two of Volkswagen’s best-selling models so you can see at a glance how much you might end up paying.

We’ve also included information about the car’s build quality from the Insurance Institute for Highway Safety (IIHS), a nonprofit organization funded by North American insurance companies with an aim to inform the public about vehicle safety by conducting independent crash safety tests and releasing the results to the public. Insurance companies pay attention to IIHS ratings, though it’s unclear to what extent.

Volkswagen Golf

Estimated Premium

Driver infoCar make + modelLowest premium quotedHighest premium quoted
Female, age 30, Ontario2020 Volkswagen Golf Comfortline 1.4 TSI 4DR Hatchback$97.00/month$313.58/month
Male, age 30, Ontario2020 Volkswagen Golf Comfortline 1.4 TSI 4DR Hatchback$100.08/month$326.75/month

About the Volkswagen Golf

  • The Golf was selected by the IIHS as a Top Safety pick in 2017 but did not receive the accolade for its prior model years. 
  • The 2018 Golf received mostly good ratings from the IIHS, with the exception of the vehicle’s passenger side, which the institute determined left the passenger vulnerable if the vehicle were in a crash. This feature was given an acceptable rating. The headlights were given a poor rating in the category of crash avoidance and mitigation and the child seat anchors received an acceptable rating for its latch mechanism and overall ease of use.
  • The NHTSA has awarded the Golf four or five-star safety ratings in each category since 2017, though models released in previous years were not consistently rated.
  • The 2019 Volkswagen Golf comes in a station wagon make and a compact make.
  • The compact 2019 Golf costs $22,500, whereas the 2019 Golf GTI costs $30,845 and the 2019 Golf R costs $42,495.
  • The station wagon 2019 Golf SportWagen costs $24,400 while the Gold Alltrack costs $31,200.

Volkswagen Jetta

Estimated premium

Driver infoCar make + modelLowest premium quotedHighest premium quoted
Female, age 30, Ontario2020 Volkswagen Jetta Comfortline 1.4 TSI 4DR$115.83/month$374.42/month
Male, age 30, Ontario2020 Volkswagen Jetta Comfortline 1.4 TSI 4DR$119.08/month$389.67/month

About the Volkswagen Jetta

  • The Volkswagen Jetta has 4-door Sedan has not won a Top Safety Pick award from the IIHS either, and also receives a mix of good, acceptable, marginal and poor safety ratings.
  • The vehicle was given a marginal/poor rating for its headlines, depending on the trim and option selected by the buyer.
  • In addition, the child seat anchors were given an acceptable rating only. These issues traced back to 2018 and 2017, which received less-than-good ratings those years as well. In 2019 however, Volkswagen has appeared to improve the crashworthiness of the passenger side of the vehicle, which was upgraded from acceptable to good in 2019.
  • The National Highway Traffic Safety Administration has given the Volkswagen Jetta consistent four and five-star ratings since 2013, though the vehicle was not rated consistently by the administration before that.
  • There are two different makes of the 2019 Jetta, including the base model, which costs $20,995 and the Jetta GLI, which costs $31,695.

How auto insurance quotes for Volkswagens are calculated

Beyond the car you drive, your personal driving history, as well as your age and gender, and your postal code, have a major impact on how much you pay each month for car insurance.

In order to generate our sample quotes, we had to create user personas: one male and one female.

Here are the criteria we used:

  • We ran separate quotes for a 30-year-old man and a 30-year-old woman in Ontario.
  • We used the postal code for the LowestRates.ca office in midtown Toronto.
  • We chose the 2020 model for each car.
  • Our personas have been insured continuously since receiving their license.
  • They drive an average of 40 km per day.
  • We’ve only selected the bare minimum when it comes to insurance coverage (third-party liability insurance).
  • We didn’t apply for any discounts.
  • We indicated that the car has winter tires.
  • We also indicated that the car is parked in a private garage.

Other factors that influence your auto insurance rate

As mentioned, a vehicle’s make and model as well as demographics impact how much you pay for auto insurance every month. That’s why you can’t simply say a certain car is “cheap” to insure; it may be cheaper to insure for a certain individual living in a certain area. Below, we break down some factors that will impact how much you’ll be paying to insure your Volkswagen vehicle.

  • The model - Generally, the more expensive the model of the car you drive, the more you’ll be paying to insure it. That’s because it’s generally more expensive to repair in the event of an accident. However, insurance companies also pay attention to other factors, such as whether your vehicle is prone to theft. If it’s on the most stolen list, you could be paying more to insure it — you might even find yourself paying more for insurance than if you had bought a more expensive vehicle.
  • Your location - Where you live has an impact on your insurance rates. Are you in a busy city where accidents are frequent and break-ins happen often? If so, the insurance company is going to deem your car as riskier to insure, and you’ll be paying more every month as a result.
  • Your driving history - What you drive and where you live are major factors in how much you’ll be paying for insurance, but one of the biggest factors is your own driving history. Do you have speeding tickets and an accident on your record? If yes, you’ll be paying more money to get insurance. Similarly, if you’re a young driver getting a new car, insurance companies are going to charge you more.
  • How much insurance you buy - If you decide in coverage that exceeds the mandatory minimums, you'll pay higher premiums. That said, buying more coverage is can be a smart idea if your car is a recent model. You can always ask your insurance company to downgrade your coverage later on.   

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