Volkswagen car insurance

Volkswagen manufactures an extensive range of models, from family SUVs to compact electric cars that are cheaper to run. Car insurance costs vary greatly, depending on the model and your own driving history. The good news is we can help you find a great deal by comparing up to 174 insurers. 

If you're ready to compare prices click the 'Get a quote' button to get started. 
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How much does a Volkswagen cost to insure?

The price of car insurance will depend on the model you drive and your personal circumstances, so it can vary quite a bit.

Prices for insuring some popular Volkswagen models are:

Model Average price1
Golf GT TDi (140)
£629
Passat SE Business TDi BMT 120 £420
Polo S (60) £592
Up! Move Up £305
Tiguan Match 4Motion TDi BMT 140 £387

1Based on Confused.com data December 2022 - May 2023

What affects the price of car insurance?

There are a variety of different factors insurers use to calculate insurance prices, including:

Your age: Younger drivers tend to pay more for their insurance as they are seen as higher risk due to having less experience on the roads. Statistically this means they are more likely to be in an accident.

Where you live: If you live in a rural area, you may pay less for your insurance than those living in built-up areas which are likely to have higher rates of car theft.

Your occupation: The types of people you work alongside, where your car is kept during work and how much you drive can all affect the cost of your insurance. Insurers are likely to judge jobs where you spend a lot of time on the roads in your car as higher risk.

Your car: Insurers use insurance groups to help determine the cost of insurance. All cars are ranked from 1 to 50 with cars in group 1 being the cheapest to insure and those in 50 being the most costly. Volkswagen insurance groups usually range from 1 to 39 with the most powerful and expensive models being in group 39.

Your driving history: Your insurance is likely to pay more if you have previous claims or driving convictions.

How can I save on my car insurance?

Several things can help to reduce the cost of your Volkswagen insurance, regardless of your driving history, age or location. Some things you can do are:

  • Pay annually rather than monthly
  • Add a named driver
  • Increase your voluntary excess
  • Shop around and compare quotes
  • Estimate your mileage accurately
  • Improve your car's security
  • Build up your no-claims discount

Pay annually rather than monthly. When you pay monthly, insurers add interest to your price which can increase the cost by 16%2 compared to paying annually.

Add a named driver. Having another driver on the policy with a good driving history can reduce your costs, especially if you're a younger driver. With just one driver on a policy, the average premium is £7252. This decreases to £5552 with a named driver. You'll need to make sure you're honest about who the main driver is though. If not, you'll be seen to be 'fronting' which is illegal and will be likely to invalidate your policy.

Increase your voluntary excess if you can afford to cover a higher payment in event of a claim. The higher your overall excess, the lower your insurance cost will generally be. We've found the most popular voluntary excess to be £250 with 62%2 of our customers choosing this.

Shop around and compare quotes to make sure you get the best deal for the cover you need. According to our data, around 26 days before your renewal date is often the cheapest time to buy.2

Estimate your mileage accurately to avoid paying more than you need to. Driving more miles will increase your insurance costs as insurers will see you as higher risk. On average our customers drive 6,621 miles per year.2 If you aren't expecting to drive many miles, you might find a pay as you go policy could be better value.

Improve your car's security by adding features such as a steering wheel lock, car tracker or immobiliser to reduce the chances of it being stolen. Parking habits will also affect your insurance - if you're able to park in a secure garage rather than a dimly lit street, you can reduce the risk to your vehicle.

Build up your no-claims bonus (NCB) each year you don't claim on your insurance to take advantage of insurer discounts based on the number of years you've got. Look out for insurers that offer to protect your NCB. This allows you to make a limited number of no-fault claims before your NCB is affected, although you usually have to pay more for this feature.

2Based on Confused.com data December 2022 - April 2023

What insurance can I get for my Volkswagen?

There are three levels of car insurance you can choose from:

  • Third-party
  • Third-party, fire and theft
  • Comprehensive
  • Third-party is the minimum level of cover you legally need in the UK. Third-party insurance covers you if you damage someone else's car or injure them or your passengers while driving. Your Volkswagen won't be protected against theft, damage or repairs following an accident.
  • Third-party, fire and theft adds to the cover provided by third-party by also covering your Volkswagen if it's damaged by fire or stolen.
  • Comprehensive offers everything in third-party, fire and theft as well as cover for you and your car if you're in an accident. This is the highest level of cover you can get, however it can sometimes also be the cheapest, so make sure to compare prices.

What optional add-ons can I get with my car insurance?

Choose add-ons to include in your policy based on what you need from your cover. Some commonly included options are:

Personal accident cover covers you for a set amount in event of serious accident or death caused by an accident involving your car. The level of cover offered can vary between insurers.

Breakdown cover means you'll be covered if you break down on the road. You'll often be able to pick from different levels of cover to include the features you need, such as roadside assistance, home start or national recovery.

Motor legal protection allows you to claim back any legal expenses you may have to pay for a motoring based offence following an accident involving your car.

Windscreen cover helps to cover the costs of replacing your windscreen if you're in an accident. This usually also includes side and rear windows.

The history of Volkswagen

The history of the Volkswagen brand dates back to the 1930s. In May 1937, the Gesellschaft zur Vorbereitung des Deutschen Volkswagens mbH was formally established. Thankfully the name was shortened a year later to Volkswagenwerk GmbH and the company established its main plant in Wolfsburg.

At the end of 1945 the British requested Volkswagen to build cars for the UK market. Since then, VW cars have enjoyed a strong presence on UK roads.

In 1938, Volkswagen finalised the designs for the VW Beetle which would go on to become an iconic model. While they have been updated frequently over the years, the enthusiasm to own and drive these cars has not diminished.

The 1970s was a decade of major growth for VW, with the birth of a new generation of Volkswagens such as the Passat, Scirocco, Golf and Polo models.

Volkswagen's co-founder and original designer Ferdinand Porsche would go on to establish the Porsche AG sport car company. The two car manufacturers continued to have a close working relationship, with many Porsche cars using Volkswagen attributes - In 2002 they launched the Porsche Cayenne which shares its entire chassis with the Volkswagen Touareg.

In 2012 Volkswagen purchased 100% of shares in Porsche AG, bringing both businesses under ownership of Volkswagen AG, alongside Bentley, Skoda and other brands that matched VW's classic values.

The VW Group operates 118 production plants in 20 European countries and a further 10 countries in the Americas, Asia and Africa. It sells its vehicles in 153 countries.

Volkswagen is today one of the world’s most successful volume car manufacturers, only overtaken by Tesla, Inc. in January 2020.

See other manufacturers

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Ford
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Toyota
Volvo

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