Volkswagen Car Insurance

So, you’re considering a Volkswagen! Volkswagen, often shortened to VW, is a German automobile maker headquartered in Wolfsburg, Germany. It is the flagship brand of the Volkswagen Group, which operates several multinational car brands, including Audi, Bentley, Porsche, and Lamborghini, and it’s the largest auto manufacturer in the world.

Canadians like Volkswagen vehicles for their quality, affordability, and style. Throughout its long history, Volkswagen has produced some of the most iconic cars in the world, including the Beetle.

Today, Volkswagen has a wide range of economical sedans and SUVs available to Canadians, including the Tiguan, Atlas, Jetta, Taos, and Golf R. They are also working on expanding their electric offerings. Volkswagen currently sells the all-electric ID.4 compact SUV and recently unveiled the ID. Buzz EV, scheduled to arrive in Canada in 2024.

Whether you’re interested in one of their classic sedans or eco-friendly SUV, Canadian drivers will need to pair their new Volkswagen with a quality car insurance policy.

To ensure you find the best car insurance for your Volkswagen vehicle, we recommend contacting an insurance broker. Experienced brokers like those at BrokerLink, take a customer-first approach to car insurance. We will get to know your lifestyle and driving habits to find a car insurance policy that fits your needs.

To learn more about Volkswagen car insurance in Canada, including the main factors that will impact your insurance premium and how to save money on car insurance, keep reading.

About Volkswagen auto insurance

Volkswagen was founded in 1937, but it wasn’t until the 1950s that the brand rose to international prominence. This was in part because Volkswagen’s models became an important symbol of West Germany in the wake of World War II. Volkswagen arrived in North America in 1949, but only sold two units in its first year. However, by the early 1960s, the Volkswagen Beetle had become one of the most popular cars in the U.S., with millions of units sold between 1955 and 1965.

Though they have since pivoted away from the Beetle, Volkswagen is still responsible for producing some of the best-selling vehicles in the world and has amassed a loyal fan base because of it. Volkswagen’s global sales have only continued to grow over the past decade, averaging $6.3 million in sales in 2009 and $11.0 million in 2019.

Volkswagen now offers a wide range of options to Canadian families and individuals alike. From their quality construction to their sleek European designs and affordable price points, it’s no surprise that many Canadians drive Volkswagen.

Fun facts about Volkswagen

  • China represents Volkswagen’s largest market, with 40% of the automaker’s profits coming from China.
  • “Volk” means “people” in English, which is why Volkswagen has long been known as “the people’s car.”
  • In 2019, Volkswagen invested $2.6 billion in Argo AI, an autonomous driving startup based in Pittsburgh, Pennsylvania.
  • Wolfsburg is home to an entire museum dedicated to Volkswagen called the Volkswagen AutoMuseum.

Types of Volkswagen car insurance coverage

No matter which Volkswagen model you select, you’ll need to pair it with a quality car insurance policy that meets the minimum requirements set by the Canadian province or territory you reside in. Remember that car insurance is mandatory everywhere in Canada. However, each province has its own unique coverage requirements. For example, in Alberta and Ontario, car insurance policies must include at least $200,000 in third party liability coverage. Beyond the compulsory auto insurance coverages, there are several optional coverage types that Volkswagen drivers can buy for added protection. The following is a list of the most common types of Volkswagen car insurance coverages in Canada.

Third party liability coverage

Third party liability coverage is mandatory in all provinces and territories in Canada. This type of coverage aims to protect the policyholder if they’re found at fault for a collision. Third party liability coverage can help pay for a wide range of expenses, from medical bills for injuries and vehicle repair costs for damaged cars, to legal representation and court fees. When purchasing car insurance, speak with an insurance broker to ensure your policy meets the minimum requirements for liability car insurance coverage in your province or territory.

Collision coverage

This type of coverage protects the policyholder if they get into an accident with another vehicle or object on the road. It covers the driver no matter who is liable for the accident. While this might sound similar to accident benefits coverage (which is mandatory), the key difference is that collision coverage helps pay for the costs of property damage, while accident benefits pay for the costs of bodily injuries. Collision coverage is optional, but Volkswagen drivers may find it beneficial to include in their policy.

Comprehensive coverage

For peace of mind, many Volkswagen drivers choose comprehensive car coverage. The mandatory coverage types in Canada provide a degree of coverage in the event of an accident. However, they do not provide coverage relating to other circumstances on the road. This is where comprehensive coverage comes in, providing Volkswagen drivers with financial protection against vandalism, fire, theft, or water damage. In essence, when you include comprehensive coverage in your Volkswagen auto insurance policy, you’re protected no matter what happens on the road.

Accident forgiveness coverage

Including accident forgiveness in your Volkswagen auto insurance policy prevents the insurance company from increasing your rate if you get into an at-fault accident. Please note that this type of coverage is only valid for your first at-fault accident.

Uninsured automobile coverage

Uninsured automobile coverage is compulsory and protects the driver and any passengers in their vehicle if they’re involved in an accident with an at-fault driver who is uninsured or underinsured.

Factors that impact Volkswagen insurance premiums

Calculating car insurance rates is far from simple. Insurers will take a variety of factors into account, some of which are within your control and some of which aren’t. For example, your age, marital status, location, driving history, claims history, and provincial laws can all determine how much you pay for Volkswagen auto insurance. The make, model, and year of the Volkswagen you drive can also impact your car insurance rate. For a list of the most common factors affecting Volkswagen insurance premiums, keep reading.


A driver’s age is one of the most common factors used to determine how much they pay for car insurance. Young drivers typically pay higher premiums because they have minimal experience on the road. Conversely, Volkswagen drivers over a certain age may also pay more for car insurance based on statistical data.


Where you intend to drive your Volkswagen vehicle can also impact your insurance premium. If you live in a high-density city, such as Toronto, Halifax, or Calgary, your insurance premium may be higher simply because there is more traffic, increasing your chances of getting into an accident. In contrast, if you live in a rural part of the country, you may pay less for insurance because there are fewer cars on the road. Lastly, if you live in a region prone to climate related weather incidents, such as floods, this could also affect your Volkswagen insurance rate.

Driving experience and record

Your driving experience and driving record will also be assessed when calculating your insurance premium. Generally speaking, having more driving experience is better than less, however, your experience should also be paired with a clean driving record. Decades of experience behind the wheel coupled with a stellar driving record indicates that you are a safe and responsible driver. On the other hand, if you have a poor driving record with speeding tickets, DUIs, demerit points, and collisions, your insurance premium is likely higher.

Volkswagen model and year

The make, model, and year of the vehicle you drive is another factor that impacts your car insurance rate. The general rule of thumb is the more expensive or luxurious the car, the more it costs to insure. Volkswagens are generally considered affordable and reliable vehicles, which means you could pay less for car insurance by purchasing a Volkswagen, especially if you had a more expensive vehicle before. That said, if you equip your vehicle with all kinds of custom trims, then the cost of repairing or replacing the vehicle goes up, and so too can your insurance. Additionally, the year of the Volkswagen you purchase matters. If you purchase an older model or even a used vehicle, your premium might be less than if you purchase a new, recent model. Ultimately, a variety of factors will determine how much you pay for Volkswagen car insurance in Canada, but if you’re curious about which Volkswagen models are typically the least expensive to insure, speak with a broker today.

Annual mileage

How often you drive your Volkswagen can also impact your auto insurance rate. If you only drive a few times each week, then your odds of getting into an accident are less, and your insurance may be cheaper due to a low mileage car insurance policy. But if you drive well above the average, or you frequently drive at night, on highways, or during rush hour, your chances of getting into an accident go up, and your insurance premium may as well.

Top money-saving tips for Volkswagen car insurance

Car insurance should never break the bank, especially when you drive an affordable vehicle like a Volkswagen. To minimize how much you spend on car insurance, BrokerLink’s insurance advisors have put together a list of their top money-saving tips. From increasing your deductible to purchasing one of Volkswagen’s eco-friendly vehicles, the following is a list of ways to pay less for Volkswagen car insurance.

  • Purchase car insurance for multiple vehicles together (savings of up to 20%)
  • Buy multiple insurance policies (business insurance + car insurance, home insurance + car insurance, etc…) from the same company (savings of up to 15%)
  • Purchase an electric or hybrid vehicle, like the Volkswagen ID.4 (buying an eco-friendly vehicle can result in savings of up to 10%)
  • Increase your deductible
  • Enrol in driving school (for young drivers)
  • Pay auto insurance annually rather than monthly
  • Consult with an insurance broker
  • Install winter tires on your Volkswagen

Consult with an insurance broker

One final money-saving tip for Volkswagen car insurance is to consult with an insurance broker. Established insurance brokers like BrokerLink are experts in the field of car insurance. We have been in business for over 30 years, which means we know all the best tips to save money on car insurance. Plus, when you work with us, you’ll receive a dedicated insurance advisor who will take the time to understand your lifestyle, budget, and driving habits. This ensures we find a car insurance policy that meets your needs. So you can relax while the BrokerLink team puts together your

quotes, with coverage options and discounts tailored for your needs. BrokerLink is committed to finding competitive car insurance policies for all Canadians, including Volkswagen drivers.

Want to learn more about Volkswagen car insurance? Get in touch

To learn more about insuring your beloved Volkswagen, contact BrokerLink today.

Our team of friendly insurance advisors is available to offer their resources and expertise. Whether you want to understand the mandatory coverage requirements in your province, get a free car insurance quote, or learn more about how to save money on your Volkswagen auto insurance policy, we can help.

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Volkswagen auto insurance FAQs

What is the cheapest Volkswagen model to insure?

A number of factors are used to determine car insurance rates in Canada. The make and model of the vehicle you drive is just one such factor. Therefore, buying the least expensive Volkswagen model isn’t a guarantee of cheaper car insurance. That said, there is often a correlation between the price of the car and the price of car insurance. To save money on car insurance, you may consider purchasing one of Volkswagen’s cheaper models, like the Jetta, Jetta TLI, Taos, or Golf GTI.

Further, it’s worth noting that it may be cheaper to insure a used Volkswagen than a new one. So if budget is a serious concern, you may wish to choose one of Volkswagen’s cheaper models or a used model.

Is it safe to buy Volkswagen car insurance on the internet?

Yes, it is safe to buy Volkswagen car insurance on the internet, however, this doesn't mean it’s easy. Shopping for car insurance, whether in person or online, can be overwhelming. With so many insurance companies across Canada, browsing all the different policies available can be stressful and time-consuming. That’s where insurance brokers come in. Reputable insurance brokers like BrokerLink make shopping for car insurance easy. When you work with us, we promise to be by your side every step of the way. Whether you want help obtaining and comparing quotes or understanding coverage options, BrokerLink will ensure you get the best policy for you, at the most affordable price.

Is car insurance compulsory for Volkswagens?

Yes, car insurance is compulsory for Volkswagens, as well as any other make of vehicle. This is because car insurance is a legal requirement in all Canadian provinces and territories. So no matter what car you drive, you’ll need to have a valid, up-to-date car insurance policy at all times. Driving without insurance is illegal and if caught doing so, you can incur severe fines of up to tens of thousands of dollars (and in some provinces, failure to pay your fine could result in jail time).

Before you purchase car insurance, make sure it complies with the minimum coverage requirements in your province. Each Canadian province and territory has its own unique requirements. If you aren’t sure what types of coverage are mandatory in your province, get in touch with BrokerLink today.

*This article is in no way sponsored, endorsed, or associated with Volkswagen.

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