How much is insurance on a Volkswagen Taos?

Priced for the 2024 Taos, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Taos's rank is the same in every state.

Why the Volkswagen Taos costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Volkswagen Taos 4dr, on HLDI's scale where 100 is an average car and lower is better, it reports 68 for crash repairs, 52 for non-crash damage, 101 for damage to others' property, and 105 for injury claims.

• Crash repairs (collision)fixing this car after a crashBetter than average32% better than average2nd best of the 26 small SUVs we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesBetter than average48% better than averagebest of the 26 small SUVs we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage1% worse than average20th best of the 26 small SUVs we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 5% more often than average15th best of the 24 small SUVs we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Taos comes out about 37% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 16% less than average: about $800 a year vs $950. On the liability side, damage to others and injury claims combine to about 3% worse than average. We count about half, so that part is about 2% more: $1,010 a year vs $990.

How the math works

In EPA size classes, the Taos is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Volkswagen Taos is benchmarked against small SUVs.

Matched to HLDI series “Volkswagen Taos 4dr” (HLDI, 2022–24 models).

A used Volkswagen Taos, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Taos (0–3 years old)	about $1,810	about $1,010	+$1,190	about $5,190
2022 Taos (4–7 years old)	about $1,710	about $1,010	+$1,130	about $4,910

Our catalog covers the Volkswagen Taos across model years 2022–2027. Full coverage on a used 2022 Taos (4–7 years old) runs about $1,710 a year, $100 less than on a 2024. Dropping collision and comprehensive on that 2022 brings liability-only coverage to about $1,010 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Volkswagen Taos trims, full coverage goes from about $1,740 a year on the Taos 4motion to about $1,810 on the Taos, because HLDI's loss results differ by body, drive, or powertrain.

• Taos 4motion: about $1,740
• Taos: about $1,810

On a policy of their own with a 2024 Volkswagen Taos, a 22–25-year-old pays about $2,350 a year ($540 more than a 45-year-old), a 26–39-year-old about $2,010, and a driver 65 and older about $1,900.

Adding a 16-year-old with a Volkswagen Taos

Because the Volkswagen Taos starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,190 a year ($100 a month), $90 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $5,190 a year, about $4,000 more than sharing the family policy.

For adding a teen driver, the Volkswagen Taos ranks 32nd cheapest out of all 121 models we track. Stepping down to a used 2022 Taos (4–7 years old) brings the teen add-on to about $1,130 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small SUVs

Among these 26 small SUVs, the Volkswagen Taos is the 10th least expensive to insure. Right next to it are the GMC Terrain (about $1,800 a year) and the Chevrolet Equinox (about $1,810).

• 2024 Mazda CX-5about $1,790 (about the same)
• 2024 Toyota RAV4 Primeabout $1,790 (about the same)
• 2024 Hyundai Konaabout $1,800 (about the same)
• 2024 GMC Terrainabout $1,800 (about the same)
• 2024 Volkswagen Taosabout $1,810 (this car)
• 2024 Chevrolet Equinoxabout $1,810 (about the same)
• 2024 Ford Bronco Sportabout $1,830 (about the same)
• 2024 Chevrolet Trailblazerabout $1,830 (about the same)
• 2024 Hyundai Tucsonabout $1,850 (about the same)

Photos from Wikimedia Commons contributors. Photo credits.

What a Volkswagen Taos costs in your state

In six sample states, a 2024 Volkswagen Taos runs from about $1,230 a year in Idaho through Ohio, Minnesota, Missouri and Michigan to about $2,380 in New York:

• Idahoabout $1,230/yr · +$810 teen
• Ohioabout $1,300/yr · +$860 teen
• Minnesotaabout $1,540/yr · +$1,010 teen
• Missouriabout $1,660/yr · +$1,100 teen
• Michiganabout $1,980/yr · +$1,300 teen
• New Yorkabout $2,380/yr · +$1,570 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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