When shopping for insurance, it can be important to learn more about rates for your vehicle. If you drive a Volkswagen Tiguan or you’re are considering purchasing one of these compact SUVs, it’s important to find an insurance policy that offers you the protection you want while aligning with your budget. Below is our guide to insurance prices for the Volkswagen Tiguan.
How Much Is Car Insurance for a Volkswagen Tiguan on Average?
The make and model of your car can impact your insurance premiums, so it’s helpful to understand what you can expect to pay for your car. If you’re driving a Volkswagen Tiguan, you might pay an average annual premium between $1,314 and $1,824. Rates depend on a variety of personal factors, so quotes for each individual may be different.
Compared to other Volkswagen vehicles, the Tiguan is relatively cheap to insure. The Finder reports that the prices Volkswagen models to insure include the infamous Beetle and the Golf Sportwagen. The Beetle costs about 45% more in premiums and the Golf Sportswagen 49%, so the Tiguan might be a cost-friendly choice if you’re choosing between Volkswagen models.
Here are some of the factors that might impact your insurance rates when driving a Volkswagen Tiguan:
- Policy: You can choose how minimal or thorough your coverage is, and rates vary greatly.
- Driving history: People with a history of safe driving pay less in premiums than people with tickets and accidents on their records.
- Age: Drivers under 25 typically face far higher insurance rates than other drivers.
- Location: People who live in dangerous or high-traffic areas might pay more due to the increased likelihood of an insurance claim.
- Year: Newer models are more valuable than older models, and you may pay more to insure them.
- Provider: Insurance companies all use different methods to calculate their quotes.
- Trim: The trim you choose for your Volkswagen Tiguan can impact your insurance rates.
- Annual mileage: If you don’t drive often or have an especially short commute, your rates may be lower.
How Much Is Car Insurance for a Volkswagen Tiguan Based on Trim Level?
You might pay a slightly different rate depending on the configuration of the Volkswagen Tiguan you choose. The latest iteration of this perky mid-size SUV comes in four trim levels: S, SE, SE R-Line, and SE R-Line Black. The cheapest configuration to insure is the base trim, the Volkswagen Tiguan S, equipped with two-wheel drive, which costs about $1,196 per year. If you update to Volkswagen’s all-wheel-drive mode, 4Motion, that price rises to approximately $1,242. For the SE R-Line Black, a trim in the middle of the bunch, you may pay around $1,380. The SEL R-Line
How Much Is Car Insurance for a Volkswagen Tiguan Based on Age?
Teenage drivers often pay drastically more in insurance premiums than more experienced drivers. This is because insurance companies often interpret them as riskier drivers who are more likely to get into a crash based on statistical data. A clean driving record can also reduce premiums, but younger drivers typically don’t have much history for insurance companies to analyze. If you plan to insure a teenager driving a Volkswagen Tiguan, you can expect to pay upwards of $4,000 per year.
Here’s how much car insurance is for a Volkswagen Tiguan for each age group:
- Teenager: $4,883 per year
- Age 20: $3,029 per year
- Age 30: $1,395 per year
- Age 40: $1,336 per year
- Age 50: $1,218 per year
- Age 60: $1,193 per year
How Much Is Car Insurance for a Volkswagen Tiguan Based on Policy?
Insurance companies typically offer a variety of plans for customers to choose from, with different options for deductibles, coverage situations, and price points. Many providers offer minimum liability plans. These minimal plans cover the basic amounts required by law in your state. Minimum liability plans typically offer a particular amount of coverage for injuries, deaths, and property damage, but they might not cover all situations. A minimum liability plan for a Volkswagen Tiguan typically costs about $536 per year.
Full-coverage plans are insurance policies that include additional benefits if you damage your car, get hurt, or cause a crash. For example, with a full-coverage plan, your insurance company might pay for medical bills if you get hit by a driver without insurance, or they might help you replace a stolen part on your vehicle. If you want to purchase a full-coverage plan for your Volkswagen Tiguan, you might pay around $1,336 annually.
Where To Find Cheap Car Insurance for a Volkswagen Tiguan
Where you live can have a significant impact on your insurance rates. If you live in a dense area or a place with frequent extreme weather, insurance companies may charge more due to the increased likelihood of an incident. The most expensive major cities to insure a Volkswagen Tiguan are New York City at about $2,494 per year and Philadelphia, Pennsylvania at approximately $2,204 per year on average, while the cheapest include Austin, Texas at around $1,204 and Columbus, Ohio at about $902. That’s a difference of over $1,500 between the cheapest and most expensive areas.
If you’re wondering how much car insurance is for a Volkswagen Tiguan in your area, here are the ten cheapest states in the U.S. and their average annual premiums, according to Insuraviz:
- Ohio: $768 per year
- New Hampshire: $798 per year
- North Carolina: $842 per year
- Virginia: $852 per year
- Vermont: $876 per year
- Hawaii: $898 per year
- Wisconsin: $898 per year
- Maine: $914 per year
- Iowa: $956 per year
- Indiana: $988 per year
The insurance company you choose to purchase from may also dictate your premiums. If you want to find the cheapest possible coverage for your Volkswagen Tiguan, it might be best to shop around and request quotes from many providers. The cheapest providers in your area and for your background and preferences may differ, but here are some of the most affordable providers for Volkswagen Tiguans according to The Zebra:
- Vermont Mutual
Choosing the right insurance policy for your vehicle and lifestyle could help you protect your finances. If you’re driving a Volkswagen Tiguan, research the providers in your area to learn who can offer you the best price for car insurance. Pairing with the right insurer and working to improve your driving record could help you secure a low price on your Volkswagen Tiguan insurance.
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.