Compare Canada’s cheapest Volkswagen car insurance rates
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- Insuring your Volkswagen vehicle in Canada
- How much is it to insure a Volkswagen vehicle for a young driver?
- How much is it to insure a Volkswagen for an experienced driver?
- Which Volkswagen model is the cheapest to insure?
- How much can a traffic ticket or an accident raise your insurance?
- How to lower your car insurance premium
- Should you buy or lease your Volkswagen?
- Which Volkswagen model is the safest?
- Protect your Volkswagen with Volkswagen Protection Plus
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Insuring your Volkswagen vehicle in Canada
Volkswagen's vehicles have always had a more premium feel to them than the competition. It doesn't quite knock it out of the park when it comes to Consumer Reports' rankings (occupying the 26th spot in the Overall category), but at least it's also not particularly attractive to thieves, if we go by Équité’s 2023 list of most top 10 stolen cars in Canada.
So, where does this leave Volkswagen in terms of insurance? Well, as you might expect its rates are neither too high nor to low. They sit comfortably in the middle. You can dig into the specifics below:
How much is it to insure a Volkswagen vehicle for a young driver
If you're a young driver considering a Volkswagen, you might notice that insurance premiums can be higher than expected.
This is due to a mix of factors that insurance companies take into account when calculating your rates, including the following:
Driver's risk level: Young drivers are often seen as riskier by insurance companies because they don’t have as much experience on the road. Statistically, they are more likely to be involved in accidents, whether it’s from inexperience or being more prone to risky behavior like speeding.
Model-specific impacts: Models with more powerful engines, like the Golf GTI or Golf R, come with an increased risk of accidents. For young drivers, this is a big factor because they are more likely to push these performance vehicles to their limits.
Repair and maintenance costs: While Volkswagens are known for their durability, they also tend to have costly parts and require specialized repairs. This means that if the car is involved in an accident, the cost to fix it can be much higher than with a less expensive or more common car.
Where you live: If you live in a busy city with lots of traffic, for instance, the chances of accidents are higher. Dense urban areas are also more likely to have thieves. Even though Volkswagen isn't as desirable among thieves as certain other brands, it's still more likely to get stolen in a place with high theft rates. Many young drivers live in urban areas where car accidents, theft and vandalism are common, which further increases their premiums.
Age | Insurance Cost Range |
|---|---|
18 | $9,773 - $13,236 |
19 | $8,130 - $9,780 |
20 | $7,345 - $8,340 |
21 | $6,551 - $7,259 |
22 | $5,112 - $6,193 |
23 | $4,720 - $5,453 |
24 | $4,560 - $5,220 |
25 | $3,805 - $4,830 |
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How much is it to insure a Volkswagen vehicle for an experienced driver
Even with years of driving experience, insurance rates for Volkswagen owners depend on several key factors, including:
Experience (and age): Insurance rates are lowest for drivers in their 30s, 40s, and 50s. However, once drivers reach their late 60s or beyond, premiums may start creeping up due to factors like slower reaction times or potential health concerns.
Volkswagen model: The specific Volkswagen you drive has a big impact on insurance costs. A Taos is typically more affordable to insure because of its moderate repair costs and lower risk profile. On the other hand, models like the Golf R or Jetta tend to have higher premiums due to their performance capabilities and more expensive parts. Same applies to SUVs like the Atlas or Touareg because of their size and repair costs.
Driving record: Even with years of experience, past driving behavior matters. A long history of safe driving keeps insurance rates low, but a recent speeding ticket or at-fault accident can push costs up.
How often you drive: Insurance companies consider high-mileage drivers to be at greater risk, which can result in higher premiums. However, if you primarily use your Volkswagen for weekend trips or short commutes, you might qualify for a low-mileage discount.
Where you live: Location plays a major role in determining insurance costs. Urban areas with heavy traffic, or higher accident rates, tend to have higher premiums.
Safety features: Newer Volkswagens, especially models like the ID.4 or Tiguan, come with advanced safety technology such as adaptive cruise control and emergency braking. These features can reduce accident risks, making the vehicle cheaper to insure.
While some factors affecting insurance rates are beyond your control, there are still ways to save. So, be sure to explore them.
Age | Insurance cost range |
|---|---|
30 | $3,194 - $3,720 |
35 | $2,964 - $3,431 |
40 | $2,502 - $3,017 |
45 | $2,203 - $3,009 |
50 | $2,071 - $2,945 |
55 | $1,998 - $2,781 |
60 | $1,967 - $2,661 |
65 | $1,956 - $2,618 |
Methodology
The table above outlines the average cost of car insurance in Toronto for a female G-licensed policyholder driving a VOLKSWAGEN GOLF R 4MOTION 4DR HATCHBACK. Using our rate calculator, we calculated average auto insurance premiums by age, assuming the driver has a clean driving record. All ranges and averages presented represent the three lowest quotes offered. The insurance policies used for comparison include $1,000,000 in coverage, along with a $1,000 deductible for both collision insurance and comprehensive insurance.
It’s important to note that these quoted rates are specific to this driver profile. You are more likely to find rates at the lower end of the provided range by comparing quotes from different providers and selecting the one that offers the best value for your needs.
Disclaimer
Auto insurance rates are influenced by a variety of factors, including (but not limited to) your postal code, driving history, the specific make and model of the vehicle, additional safety features, whether you attended driving school, and more. This means the premiums for individuals with different circumstances may vary significantly from the rates shown here. Always compare personalized quotes to ensure you're getting the best coverage at the best price.
Which Volkswagen model is the cheapest to insure?
If you’re eyeing the Volkswagen Taos, there’s a good chance you’re drawn to its practicality, reliability and affordability. But here’s another bonus that might sweeten the deal: it’s relatively cheap to insure.
Here are some of the reasons why:
Safety features: Taos is packed with modern safety features that help prevent accidents and keep drivers and passengers protected. Things like advanced airbag systems, stability control and available driver-assist tech make this model a safer choice in the eyes of insurers.
Reliability: Taos is known for being a dependable vehicle, and that dependability reduces the risk of mechanical breakdowns, which could lead to accidents. Insurance companies take this into account, rewarding you with lower premiums compared to less reliable, high-maintenance models.
Repair costs and parts availability: The affordability of repairs and parts for the Taos also plays a part in its lower insurance costs. Its design isn’t overly specialized, and replacement parts are relatively easy to source. This means repairs are less expensive, so insurers face smaller payouts when claims are made.
Performance and risk levels: Taos offers a nice blend of efficiency and performance. It’s not overpowered or designed for high-speed thrills, which makes it less likely to invite risky driving behavior. A car with sensible performance levels is less of a risk in the eyes of insurers.
Driver profile and intended use: Cars like the Taos tend to attract responsible drivers. Its versatility and practicality appeal to small families, professionals, and commuters looking for reliable transportation. Because this group is less prone to risky driving, insurance companies categorize the vehicle as a lower-risk option.
Vehicle | Insurance cost range |
|---|---|
Volkswagen Taos | $2,277 - $2,546 |
Volkswagen ID.4 | $2,399 - $2,772 |
Volkswagen Tiguan | $2,480 - $2,856 |
Volkswagen GTI | $2,824 - $3,016 |
Volkswagen Jetta | $2,990 - $3,230 |
Volkswagen Atlas | $2,788 - $3,204 |
Volkswagen Golf | $3,113 - $3,462 |
Methodology
The table above presents insurance cost ranges for some of the most popular 2023 Volkswagen models, calculated specifically for a Toronto-based, G-licensed, 35-year-old female driver. Using our rate calculator, we determined these costs by comparing the three cheapest quotes available for each model. This driver profile assumes a clean driving record and standard coverage, which includes $1,000,000 in liability coverage as well as a $1,000 deductible for both collision and comprehensive insurance.
By focusing on the most affordable quotes from various providers, the ranges provide a clear picture of what drivers with similar profiles can expect to pay. Selecting quotes from the lower end of the range can help you secure the best value for your insurance policy while still providing adequate coverage.
Disclaimer
Insurance premiums depend on many variables, such as your driving history, the vehicle's make and model, additional safety features, your postal code, and more. The rates shown here are specific to the outlined driver profile and may differ from costs for individuals with different circumstances or coverage needs. Always compare personalized quotes across providers to ensure you find the best rates and coverage tailored to your situation.
How much can a traffic ticket or accident raise your insurance?
Your driving history affects how much you pay for car insurance. Even one accident can make your insurance cost go up because insurance companies see you as more likely to have another accident.
Here are some of the possible changes you might see in insurance rates, based on major convictions and at-fault accidents:
Age | Major convictions | At-fault accidents | Insurance cost range |
|---|---|---|---|
30 | None | None | $3,194 - $3,720 |
None | 1 | $5,539 - $7,004 | |
1 | None | $6,011 - $7,488 | |
1 | 1 | $14,784 - $20,962 | |
35 | None | None | $2,964 - $3,431 |
None | 1 | $5,344 - $6,466 | |
1 | None | $5,794 - $6,461 | |
1 | 1 | $14,156 - $19,429 | |
40 | None | None | $2,502 - $3,017 |
None | 1 | $5,184 - $6,244 | |
1 | None | $4,574 - $6,180 | |
1 | 1 | $13,855 - $19,360 | |
45 | None | None | $2,203 - $3,009 |
None | 1 | $5,174 - $6,019 | |
1 | None | $3,984 - $6,180 | |
1 | 1 | $13,760 - $17,563 | |
50 | None | None | $2,071 - $2,925 |
None | 1 | $5,065 - $6,013 | |
1 | None | $3,727 - $6,048 | |
1 | 1 | $13,782 - $16,335 | |
55 | None | None | $1,998 - $2,781 |
None | 1 | $4,405 - $5,836 | |
1 | None | $3,584 - $5,268 | |
1 | 1 | $14,115 - $15,673 | |
60 | None | None | $1,967 - $2,661 |
None | 1 | $4,324 - $5,606 | |
1 | None | $3,523 - $5,196 | |
1 | 1 | $14,079 - $15,366 | |
65 | None | None | $1,956 - $2,618 |
None | 1 | $4,114 - $5,545 | |
1 | None | $3,500 - $4,944 | |
1 | 1 | $13,815 - $15,273 |
Methodology
The table provides a comparison of average car insurance premiums in Toronto for a female G-licensed driver operating a 2023 VOLKSWAGEN GOLF R 4MOTION 4DR HATCHBACK. The analysis includes two driving profiles: one for drivers with clean records, meaning no major convictions or at-fault accidents, and another for drivers with one at-fault accident, one major conviction, or both. Using a rate calculator, we determined the average premiums across different age groups by selecting the three lowest quotes from leading insurance providers. The insurance coverage considered includes $1,000,000 in liability coverage and a $1,000 deductible for both collision and comprehensive insurance. For drivers with at-fault accidents or convictions, premiums were adjusted based on the additional risk weighted by insurers, leading to higher quotes for that group.
Disclaimer
It is important to note that the rates listed are specific to this driver and vehicle profile and may vary significantly based on individual circumstances. Factors such as postal code, claims history, specific vehicle features, and even completion of a recognized driving school course can influence premiums. To ensure the best value, it is essential to obtain personalized quotes from multiple providers, as rates and coverage offerings can differ substantially depending on how each insurer evaluates risk. Comparing quotes allows drivers to find the most suitable and cost-effective insurance for their unique needs.
Should you buy or lease your Volkswagen?
Choosing between buying or leasing a Volkswagen can be an important financial decision. Each option offers unique advantages, depending on your lifestyle and budget. Leasing might result in lower monthly payments and allows you to drive a newer model every few years, though it typically comes with mileage restrictions. On the other hand, buying gives you full ownership of the car and eliminates concerns about mileage limits, but it often requires a larger down payment or higher monthly installments.
Here's a list of advantages and disadvantages to help you make the right call regarding your potential Volkswagen vehicle:
Leasing
Advantages:
- Lower monthly payments: When you lease, your monthly payments are usually lower than if you were buying the car. For example, you’re only paying for the car’s depreciation during the lease term, not the entire value of the car.
- Access to newer models: Leasing often lets you drive the latest Volkswagen models. If you enjoy having up-to-date technology, safety features, or better fuel efficiency, leasing could be a great option.
- Fewer maintenance worries: Most leases align with the manufacturer’s warranty period, usually three to four years. Major repair costs are typically included, leaving only routine upkeep for you to manage.
- Flexibility at the end: When the lease ends, you have options. You can return the car, purchase it, or lease something new depending on what works for you at that point.
Disadvantages:
- Mileage restrictions: When the lease ends, you have options. You can return the car, purchase it, or lease something new depending on what works for you at that point.eases come with mileage limits, and exceeding them can lead to additional costs.
- No ownership: Unlike buying, leasing doesn’t lead to ownership. When the lease ends, the car isn’t yours, and you may have to start new payments on a different vehicle.
- Fees for extra damage: If the car has any serious scratches, dents, or other damage beyond normal use, you might be charged extra when you return it..
- Early termination fees: Ending a lease early could result in significant penalties.
Buying
Advantages:
- Full ownership: When you buy a Volkswagen, the car is yours. You don't have to worry about returning it, mileage limits, or extra fees. You can keep it as long as you want, which is a big advantage if you're planning to drive the car for several years.
- No mileage limits: Unlike leasing, buying a car means there are no limits on how much you can drive. Whether you're taking long road trips or have a long daily commute, you can drive as much as you like without extra costs.
- Personalization: Buying allows you to personalize your car however you like. Whether you want to add a custom stereo system, get a new paint job, or upgrade the wheels, you can make the Volkswagen truly your own.
- Reliable engineering: Volkswagen cars are known for their solid build and high-quality engineering. For example, their vehicles often last many years when properly maintained, which makes buying a practical choice for long-term use.
Disadvantages:
- Higher costs: Buying a Volkswagen usually means higher upfront and monthly costs compared to leasing. You’ll typically need a larger down payment, plus taxes and fees, and higher monthly payments since you're covering the vehicle's full price, not just its depreciation.
- Repair costs: Once the warranty expires, maintenance and repairs become your responsibility.
- Depreciation: Like most cars, Volkswagens start to lose value as soon as you drive them off the lot. While they tend to hold value better than some brands, depreciation is still something to keep in mind, especially if you plan to sell the car later.
How to lower your car insurance premium for your Volkswagen
There are plenty of ways to lower insurance costs if you own a Volkswagen. For example, combining your insurance policies under a single provider could help you save money. Another way to cut costs is enrolling in a telematics program, which rewards you for safe driving. You can also take a driving course to qualify for discounts. Make sure to explore these and other options to reduce your premiums.
Here are some ways you can get cheaper car insurance
Bundling policies
Bundling your auto and home insurance—or combining other policies like tenant or condo insurance—can significantly reduce your premiums. Insurance companies appreciate customer loyalty and often reward it with discounts. Savings can reach up to 20% or more. By taking advantage of this, you not only simplify your insurance management but also save a chunk of change.
Multi-vehicle discount
If your household has more than one car, insuring them under the same policy can lead to big savings. This is because insurers offer discounts (up to 15%) for placing multiple vehicles together under one account. It’s an easy win for families or households with multiple drivers, as it combines coverage while cutting costs.
Loyalty discounts
Insurance companies love loyal customers, and they often show it by reducing premiums for those who stick with them year after year. The longer you stay, the more you save—it can range from 5% after one year to as much as 10% for a decade of loyalty. If you’re happy with your insurer and their service, this discount is an excellent perk.
Higher deductibles
Choosing a higher deductible (the amount you pay out of pocket in a claim) can reduce your annual premiums by 5-10%. While the trade-off means you’d pay more in case of an accident, it’s a smart option for drivers who are confident in their safe-driving habits and want lower upfront costs.
Paying annually
Paying your entire premium in one annual payment instead of monthly installments can save you money by avoiding administrative or installment fees. While it requires a larger payment upfront, it’s a simple way to cut down on overall costs.
Telematics programs
Telematics are devices which can be added to you car or through a mobile app, which monitor your driving habits, such as speed, braking and mileage, rewarding safe drivers with lower premiums. They offer benefits like fairer rates for low-mileage drivers, personalized discounts and improved driving awareness. To maximize savings, you should focus on consistent safe driving, reduce high-risk night trips and choose a telematics program that best fits your needs.
Winter tires
Installing winter tires is not only smart for safely navigating Canada’s icy roads, but it can also reduce your premiums by 2%-5%. Some provinces, like Ontario, even require insurers to offer this discount. If you regularly switch to winter tires, make sure your insurer knows about it.
Anti-theft devices
Vehicles with anti-theft systems, like alarms or tracking devices, are less likely to be stolen, and insurers recognize this by offering discounts up to 15%. If your car doesn’t come with built-in anti-theft features, consider installing an aftermarket system to take advantage of this savings opportunity.
Which Volkswagen is the safest?
The 2024 Volkswagen ID.4, a fully electric midsize SUV, is built with safety and innovation at its core. Earning high marks from the Insurance Institute for Highway Safety (IIHS), the ID.4 showcases Volkswagen's dedication to passenger protection and advanced safety systems through top performance in key crash tests:
Small overlap front test: This test simulates a crash where the vehicle’s front corner collides with an object such as a pole. The ID.4's strong structure absorbs and redirects impact forces to safeguard passengers effectively.
Moderate overlap front test (original): Assesses the vehicle’s ability to protect passengers during a broader front-end collision. The ID.4 earns top marks, reflecting its dependable design and robust safety systems.
Side impact test: Simulates a collision from the side, such as being struck by another vehicle. The ID.4's well-reinforced structure and advanced side airbag systems provide outstanding passenger protection, helping the vehicle achieve a top rating.
The ID.4 also excels in crash avoidance and mitigation. Equipped with a standard pedestrian detection system, the vehicle uses sensors to warn the driver and apply automatic braking as needed. While its front crash prevention system for pedestrians earned an acceptable rating, the ID.4 balances cutting-edge safety features with real-world performance. Additionally, the LATCH system for child seat installation earned a top score for ease of use, and the seat belt reminders help ensure everyone is securely fastened. The headlights, which vary by trim or option, were rated as good or acceptable, contributing to excellent visibility during night driving.
Category | Evaluation criteria | Rating |
|---|---|---|
Crashworthiness | Small overlap front | G |
Moderate overlap front: original test | G | |
Side: updated test | G | |
Crash avoidance & mitigation | Headlights (varies by trim/option) | G/A |
Front crash prevention: pedestrian (Standard system) | A | |
Seat belts & child restraints | LATCH ease of use | G |
Other available safety features
| ||
Source: The Insurance Institute for Highway Safety
Protect your Volkswagen with Volkswagen Protection Plus
Volkswagen Protection Plus offers several plans that can make owning a Volkswagen easier and less stressful.
Prepaid Maintenance
The Prepaid Maintenance plan ensures you stay on track with factory-recommended services. For example, it covers regular maintenance tasks like oil changes. This plan makes it simple to keep your car performing its best while protecting you from unexpected service costs or future price increases.
Appearance Protection
If you want to keep your Volkswagen looking great, the Appearance Protection plan covers issues like dents, scratches or chips in your windshield. It’s designed to help maintain both the interior and exterior of your vehicle, so it always feels like new.
Loan Protection
The Loan Protection plan offers financial support in case life throws something unexpected your way. For example, it can cover your loan or lease payments if you experience an illness, injury, or job loss. This program is focused on helping you stay financially secure during tough times.
Vehicle Loss Privilege Program
Losing your car can be stressful, but the Vehicle Loss Privilege Program helps make it easier. Whether your car is stolen, totaled, or damaged in a way that reduces its resale value, this plan provides financial assistance to help you replace it.
Mechanical Breakdown Protection
Unexpected mechanical issues can be costly, but the Mechanical Breakdown Protection plan is there to help. It covers repairs for up to 10 years or 200,000 kilometers. Plus, it includes extra benefits like roadside assistance and coverage for rental vehicles while your car is being repaired.
Lease Excess Wear Waiver
For drivers leasing a Volkswagen, this plan can be really helpful. The Lease Excess Wear Waiver helps cover common kinds of wear and tear like small dents, scratches, or worn tires when it’s time to return the vehicle. With this plan, you can worry less about extra charges when your lease ends.
Anti-Theft Protection
The Anti-Theft Protection plan adds an extra layer of security to your vehicle. It not only deters theft with specific systems but also provides financial support if your Volkswagen is stolen or declared a total loss.
Limited Debt Waiver
Financial obligations can be a concern, especially after an accident. The Limited Debt Waiver helps manage any outstanding costs if your car is totaled in a collision. It’s designed to make sure you’re not left with unpaid bills.
Wear Protection
To cover regular wear and tear on parts, the Wear Protection plan is a good option. For example, it can cover brake pads or wipers for up to four years or 80,000 kilometers. This plan is especially helpful if you want added flexibility beyond standard maintenance.
Each of these plans is designed to make owning a Volkswagen simpler and less stressful. You can explore the options that best meet your needs, and if you have questions, your dealer is ready to help guide you.
