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Volkswagen Insurance

Cheap Volkswagen Car Insurance

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Volkswagen Car Insurance


Types of car insurance for a Volkswagen

There are various types of car insurance for a VW. Your choice will mainly depend on the level of coverage you need. Here is a short breakdown of the options available.  

Comprehensive car insurance for a Volkswagen

This is the most extensive cover available. Comprehensive policies cover most risks including third-party claims, damage to your car and often injuries to yourself.  

Third party only VW insurance

This is the lowest level available and covers third-party liabilities when you cause damage or injury to others. It is a legal requirement in the UK to have a minimum of third party cover.  

Third party, theft and fire car insurance

Third-party, theft and fire covers the essential third-party insurance required by law. It also covers you for the theft of your car, or if it’s damaged by fire.  

VW drive away insurance

VW drive away insurance is a temporary but comprehensive cover that offers protection after you first buy your VW car. This lets you legally drive on roads while you organise your standard insurance.  

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How can I get cheap VW car insurance quotes?

Besides shopping around for cheaper insurance quotes for your VW, there are other actions you can take to potentially reduce your premium. 

Give an accurate annual mileage

Insurers typically offer lower premiums for a lower annual mileage. Cutting down, or giving an accurate yearly mileage means you don’t overpay on your insurance. 

Improve the security of your Volkswagen

Improving your parking arrangements and adding extra security to your car often leads to discounts. Additional devices must be approved by your insurance provider. 

Avoid making modifications to your car

Some modifications increase insurance costs because the risk of accidents is higher. If you need to keep a tight budget, avoid making unnecessary modifications to your car. 

Pay your premium annually if possible

You have two ways to pay insurance. You either pay an annual lump sum or monthly premiums. Paying a lump sum is usually cheaper because monthly payments come with an additional administrative fee. 

Increase your voluntary excess

You’ll have to pay an excess amount when you make a claim. If you opt for the lowest amount, your premiums could be higher. By increasing your excess amount, your premiums could be lower. This is something you can select when you take out your insurance. Just make sure you can afford the amount you choose. 

Choose suitable coverage

Comprehensive cover is not always better. In some cases, it might be more cost-effective to take a lower level of cover. This is especially true if you own a cheap car. You could also opt for temporary Volkswagen car insurance if you drive your car irregularly. 

Shop around and compare Volkswagen insurance quotes

We highly recommend shopping around to compare multiple Volkswagen insurance quotes. Until you’ve seen your options side-by-side you won’t know what the general price range is between insurers. You might be surprised to find that some can charge significantly more than others. Comparing quotes increases your chances of finding cheaper insurance. A comparison site like ours makes this a quick and easy process. Your quotes will be customised to suit your needs and requirements. 

How much does it cost to insure a Volkswagen Golf?

This would differ from person to person. That’s because multiple factors are considered when calculating premiums. It’s not just about the car. The driver’s age, driving history, location and experience also play a significant role in the cost. This is why getting quotes that are personalised to your needs and circumstances is so important. It’s the most accurate way to find out the cost of insurance for your VW.  

VW insurance groups

To help insurers quote fairly, cars are placed into insurance groups based on their engine size, performance capabilities, market value and trim. There are 50 groups, with lower groups typically costing less to insure and higher groups more. 

VW Polo insurance group

VW Polo insurance groups are well-placed for those with tighter budgets. Polos with small engines and basic trim can be found as low as group 1. More expensive Polos can be as high as group 15. There is a wide range of options within this model, so the cost of insurance for a Volkswagen Polo depends on the specific Polo version and trim level. 

VW Golf insurance group

The VW Golf insurance group range is even wider than VW Polos. These are typically sorted between group 7 and 39. Golfs are bigger cars with more powerful engines and a sporty design. So, while some Golf models are reasonably affordable to insure, others have more advanced technology, placing them in much higher insurance groups. 

VW Up insurance group

The Volkswagen Up is considered a small city car. A supermini hatchback that’s positioned as an affordable entry-level model in Volkswagen’s lineup. Insurance groups for Up models generally range between groups 1 and 17.  

WV Tiguan insurance group

The Tiguan is a SUV crossover. It comes in both front-wheel and all-wheel drive variants. Depending on the engine size, security features and trim, Tiguans are typically placed from groups 11 to 27.  

VW Scirocco insurance group

Being a performance-oriented hatchback, VW Scirocco models are placed slightly higher in the range of insurance groups. With multiple engine options, Scirocco’s are typically found in the 18 – 39 range of insurance groups.  

Volkswagen car insurance FAQs

What is the cheapest VW car to insure?

Volkswagen Up models are generally considered the cheapest VW cars to insure. The basic, entry-level models are in insurance groups 1-5, making them the most affordable to insure. Volkswagen Polos are also a strong contender with some models also being in the lowest insurance groups. 

How much does VW golf insurance cost for a 17 year-old?

Generally, Volkswagen insurance for a Golf can be relatively expensive. That’s because insurance for a young driver under the age of 25 is expensive, regardless of the type of car being insured. A Golf is not the cheapest VW model to insure either. These facts combined mean that VW golf insurance costs for a 17 year-old are bound to be fairly expensive. 

Why is my Volkswagen so expensive to insure?

Various factors are considered when calculating an insurance premium. The combination of these factors informs insurers about their risks when insuring you. The following typically add to the cost of car insurance: 

  • The make and model of the car – cars in higher insurance groups will cost more to insure. A car’s market value and repair costs are important here. 
  • The driver’s details – the driver’s age, driving history and location are significant risk markers that are taken into consideration. 
  • The safety features of the car – these are important as they can deter theft of the vehicle. Some Volkswagen models are popular among thieves. This could also be a reason for more expensive insurance. 
  • Usage is also a risk factor – if you’re using the vehicle for business purposes or for high-risk activities, you could be charged more. 
  • Not shopping around – if you opted for the first insurance policy that came your way, you might have missed out on cheaper policies. It’s always good to compare multiple quotes to ensure you’re getting a fair deal. 

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*51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.