Volkswagen car insurance

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How much does a Volkswagen cost to insure?

Volkswagen produces an extensive range of models, from sports cars with powerful engines to compact vehicles that are cheaper to run. Therefore, the car insurance premiums you might expect to pay for a Volkswagen can vary significantly.

It's also worth mentioning that certain models will be in different car insurance groups.

For instance, the Volkswagen Polo insurance group is Group 1, whereas the Volkswagen Golf insurance group is Group 7. Typically, the lower the insurance group, the lower your insurance premiums should be.

However, because some models have different specifications and engine power, even if they are badged as a Golf or Polo, the insurance group can vary. As an example, a VW Golf 1.2 TSI Bluemotion Tech S 3d is in insurance group 7, while the VW Golf 2.0 TSI 245 GTI Performance DSG 5d is in insurance group 33. That’s a big difference!

Similarly, with a VW Polo GTI 2.0 TSI 200PS DSG auto 5d you are looking at a car in insurance group 26. That’s compared to the VW Polo S 1.0 65PS 5d which is in insurance group 1.

So, although the VW Polo is smaller in size than a VW Golf, in some instances a more powerful Polo model will be in a higher insurance group than some cars within the Golf range.

This means there will also be a huge range of insurance costs within Polos or Golfs.

A Polo SE MPI EVO 65, for example, will typically cost just £693* to insure, but a Polo S 60 could cost £1,167* to insure for the year.

Insurers will also consider several other factors when deciding your VW insurance such as:

You may live near a traffic black spot or in a postcode where cars are more frequently stolen and that could also drive your premium higher.

* The prices we have used are an average based on the model and all our customer quotes from 12 February 2022 to 12 May 2022. This includes different locations, driving background and other factors. Your own quote could cheaper or more expensive depending on your personal circumstances.

All information on this page was last reviewed on 14th July 2022, see T&C.

Volkswagen Golf insurance

As with the VW Polo, the Volkswagen Golf comes with a pretty vast array of different specifications.

While the basic shape of the car may remain the same, the trim and what is under the bonnet may differ significantly. Your VW Golf insurance premium could be higher because of these specifications.

For example a GTI ‘hot hatch’ is likely to cost you around £2,413* to insure, compared to £835* for a more modest Golf Match Edition.

In addition to how powerful an engine your Golf has under its bonnet, other factors such as where you live, your age and driving history can affect your VW insurance.

Volkswagen Passat insurance

The well-established and popular large family car from VW, the Passat comes in various different specs.

With the Passat Executive TDI BMT 138, you're looking at a premium of £577*. However, for a higher spec Passat SE TDI 140 you can expect to pay in the region of £1,194*.

Volkswagen Polo insurance

The VW Polo with its compact size is particularly suited to urban driving and parking.

Some versions of the Polo are designed with a sportier feel which may mean you pay more for your Volkswagen car insurance.

As an example, the Polo GTI (180) has a high average premium of £2,941*. However, insurance for the Polo SE MPI 65 will only set you back £775.

Volkswagen up! insurance

VW’s small city car typically sits in the lowest insurance group due to its small engine size.

None of the VW up! cars have average premiums of £1,000 or above. For example, the up! High up! 90 has an average premium of £381*.

Volkswagen Touran insurance

The multi-purpose Volkswagen Touran is designed more for space than speed. VW has been offering the Touran’s large interior with versatile seating to drivers for almost two decades now.

Volkswagen Touran insurance is generally more reasonable than for most other cars in the VW range. Even the sportier specs are affordable, with the Touran Sport FSI costing just £730* on average.

Volkswagen Beetle insurance

The iconic VW Beetle has been visible on our roads for decades, in one form or other.

It's sadly no longer available to buy new but remains popular amongst fans in the second hand market and is satisfyingly cheap to insure. The average premium you could pay for a VW Beetle is just £245*.

Volkswagen Tiguan insurance

Moving on to VW’s versatile SUV cars, the VW Tiguan is the smaller of its offerings. And not surprisingly, the model comes with many different specifications that impact on the premium you will pay.

The average premium on a Tiguan Match 4 Motion TSI is just £528*.

Volkswagen Touareg insurance

The Touran’s bigger stablemate, the VW Touareg has been a popular four-by-four choice for drivers since it launched in 2002.

The average premiums vary significantly but some of the lower spec models aren't astronomical. For instance, insurance typically costs £733* on average for the Touareg Escape TDI 262 BMT.

Volkswagen history and facts

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.

Iconic models such as the VW Golf and the VW Beetle, the designs of which lead engineer Ferdinand Porsche and his team finalised in 1938, have proved a global success.

While these models 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 is today one of the world’s most successful volume car manufacturers. 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.

History of VW’s Top selling models

VW Golf

While it might not quite have the number of years behind it as the VW Beetle, the VW Golf still has a pretty impressive history.

First released in 1974, the VW Golf has become Volkswagen's most popular model and one of the best-selling cars in the world.

The Volkswagen Golf has become a classic compact family car over its near 50-year history. Older models are still sought after by car enthusiasts today but those wanting the latest Golf will be impressed by the modern engine technology. It’s characterised by economy, high torque and power.

VW Polo

One of the world’s most successful compact cars, the Polo may be small in size, but it is one of Volkswagen greatest models.

First appearing in 1975, the Polo has more than held its own against rival compact cars such as the Ford Fiesta and the Honda Civic.

And the Polo continues to evolve. In 2021, VW launched the new Polo GTI. The powerful TSI engine and sports chassis, tailored specifically to the Polo GTI, transformed the best-selling compact car into a dynamic, four-door sports car.

The VW Beetle

Few cars are more distinctive than the VW Beetle. Not many cars can trace continued manufacture back that far either – from 1938 until 2003. Although in the latter years manufacture was only in Mexico.

One of the main reasons for production ending was that the Beetle’s modern competitors like Honda’s Civic and VW's own Golf, were more economical with fuel. They also offered more space for passengers and luggage.

Only it wasn’t quite the end of the Beetle story. VW introduced the New Beetle which was built on the modern Golf platform but with the curvy shape associated with the original Type 1 from the 1930s.

The New Beetle remained in production until 2010, when it was succeeded by the Beetle A5 – which also kept the curved features characteristic of the original Beetle. The Beetle A5 ceased production in 2019.

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