Volkswagen car insurance

When buying car insurance, one of the factors that can impact price is the insurance group your car is in. All cars are placed in a group between 1 and 50, with cars in group 1 being the cheapest to insure, and those in group 50 being the most costly. Your Volkswagen's group will depend on things like its value and specs - the more powerful a car is, the higher its group.

Volkswagen insurance groups generally range from 1 to 39. For example, a Volkswagen Polo might be anywhere from group 1 to 30, depending on the exact model you buy. Or, a Volkswagen Golf S model could be in groups 7-17, while a more expensive GTI model could be as high as group 34.

If you're unsure what insurance group your Volkswagen is in, you can use our insurance group checker tool to find out.

Several things can help to reduce the cost of your Volkswagen insurance, regardless of your driving history, age or location. Some things you can do are:

Estimate your mileage accurately

Driving more miles can increase your insurance costs as insurers will see you as higher risk. If you aren't expecting to drive many miles, you might find a pay as you go policy could be better value.

Improve your car's security

Adding features such as a steering wheel lock, car tracker or immobiliser to reduce the chances of it being stolen. Parking habits will also affect your insurance - if you're able to park in a secure garage rather than a dimly lit street, you can reduce the risk to your vehicle.

Build up your no-claims bonus (NCB)

Each year you don't claim on your insurance to take advantage of insurer discounts based on the number of years you've got. Look out for insurers that offer to protect your NCB. This allows you to make a limited number of no-fault claims before your NCB is affected, although you usually have to pay more for this feature.

Pay annually rather than monthly.

On average, you could save up to 40%² by paying annually rather than monthly.

Add a named driver

Having another driver on the policy with a good driving history can reduce your costs by up to 23%². You'll need to make sure you're honest about who the main driver is though. If not, you'll be seen to be 'fronting' which is illegal and will be likely to invalidate your policy.

Increase your voluntary excess

If you can afford to cover a higher payment in event of a claim. The higher your overall excess, the lower your insurance cost will generally be. The most popular voluntary excess is £250².

Shop around and compare quotes

Make sure you get the best deal for the cover you need. You can save up to According to our data, around 20 days before your renewal date is often the cheapest time to buy.²

²Confused.com price index data, Q4 2024