How much does Volkswagen car insurance cost?
On average, Volkswagen drivers can expect to pay about $2,252 in 2025 for car insurance in Ontario.
Costs are considered to be average compared to other vehicles. The actual cost of insurance for a Volkswagen varies based on the model, vehicle features, type of policy, and many other driver-related factors (age, location, driving record).
Volkswagen car insurance rate changes by year
The insurance cost for a Volkswagen changes by the year. Like many other vehicles, rates have increased recently. In 2022, premiums were around $2,078. As for 2025 rates are around $2,252 annually.
| Year |
Average annual premium |
| 2025 |
$2,252 |
| 2024 |
$2,158 |
| 2023 |
$2,173 |
| 2022 |
$2,078 |
| Average rate (2022-2025) |
$2,165 |
**
Volkswagen car insurance rates by city in Ontario
Your location is important in how much you’ll pay for Volkswagen insurance. Cities with higher premiums typically have higher instances of theft, fraud, and collisions - increasing risk for insurers.
Brampton is the most expensive city for Volkswagen coverage, at $2,826. Burlington and Newmarket drivers can see annual costs of around $1,319 to $1,373.
Here’s an overview of how Volkswagen car insurance premiums vary by city:
| City |
Avg premium |
Monthly |
| Ontario |
$2,176 |
$181 |
| Toronto |
$2,106 |
$176 |
| Ottawa |
$1,548 |
$129 |
| Hamilton |
$2,389 |
$199 |
| Mississauga |
$2,241 |
$187 |
| London |
$2,117 |
$176 |
| Kitchener |
$1,979 |
$165 |
| Brampton |
$2,826 |
$236 |
| Guelph |
$2,338 |
$195 |
| Markham |
$2,011 |
$168 |
| Barrie |
$2,009 |
$167 |
| Oshawa |
$2,478 |
$207 |
| Burlington |
$1,373 |
$114 |
| St. Catharines |
$2,008 |
$167 |
| Newmarket |
$1,319 |
$110 |
| Richmond Hill |
$2,582 |
$215 |
| Milton |
$2,420 |
$202 |
| Oakville |
$2,001 |
$167 |
| Ajax |
$1,765 |
$147 |
| North York |
$2,649 |
$221 |
**
Volkswagen car insurance rates by model
Volkswagen car insurance rates can vary significantly depending on the specific model. Factors such as the vehicle's features, safety ratings, and historical claims data all contribute to the insurance cost.
If you drive an e-Golf, you’ll pay around $1,489 yearly for coverage, and the Beetle comes in second at $1,625 for coverage. The Volkswagen Jetta has higher premiums at $2,274 annually, and the second most expensive Volkswagen vehicle to insure is the Atlas at a close $2,263 per year.
The following table provides a general overview of average premiums for some of the popular Volkswagen models in Canada.
| Vehicle |
Premium |
Monthly payment |
| Jetta |
$2,274 |
$190 |
| Golf |
$2,155 |
$180 |
| Passat |
$2,192 |
$183 |
| Tiguan |
$2,118 |
$177 |
| GTI |
$2,003 |
$167 |
| Beetle |
$1,625 |
$135 |
| e-Golf |
$1,489 |
$124 |
| Atlas |
$2,263 |
$189 |
**
Volkswagen car insurance by driver type
Demographics and driving history will alter how much you pay for Volkswagen insurance. Young drivers can see monthly premiums at $2,675, female drivers can see premiums as low as $1,933 for the year. Non standard drivers can expect to pay upwards of $587 per month.
| |
Premium |
Monthly |
| Driver type |
| All drivers |
$2,176 |
$181 |
| Young drivers (25 and under) |
$2,675 |
$223 |
| Middle age (26 - 50) |
$2,299 |
$192 |
| Mature/senior drivers (50+) |
$1,485 |
$124 |
| High risk drivers |
$7,044 |
$587 |
| Demographics |
| Male |
$2,293 |
$191 |
| Female |
$1,933 |
$161 |
| Married |
$2,084 |
$174 |
| Single |
$2,247 |
$187 |
| Driving record |
| Clean driving record |
$2,176 |
$181 |
| 1 ticket with past 3 years |
$2,379 |
$198 |
| 1 accident in 3 years |
$2,931 |
$244 |
| 1 cancellation in 3 years |
$2,770 |
$231 |
| 1 suspension in 3 years |
$2,514 |
$210 |
**
