How much is insurance on a Volkswagen Tiguan?

A 2024 Volkswagen Tiguan runs about $1,800 a year for a typical 45-year-old, $140 less than an average car of the same age, because of lower crash-repair losses, lower non-crash losses, and less damage to others' property. Putting a new 16-year-old on a family policy with the Tiguan adds about $1,190 a year (#13 of 25 midsize SUVs we compare).

2024 Volkswagen Tiguan (Tiguan), national average

about $1,800 a year (about $150 a month)

Estimated range: $1,350–$2,400. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Tiguan drops to about $1,490 (see the table below).

A Volkswagen Tiguan from the 2018–2024 generation. Photo: Mr.choppers, CC BY-SA 3.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Tiguan, 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 Tiguan's rank is the same in every state.

Why the Volkswagen Tiguan 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 Tiguan 4dr, on HLDI's scale where 100 is an average car and lower is better, it reports 72 for crash repairs, 72 for non-crash damage, 88 for damage to others' property, and 100 for injury claims.

Crash repairs (collision)fixing this car after a crashBetter than average28% better than average7th best of the 25 midsize SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesBetter than average28% better than average5th best of the 24 midsize SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage12% better than average15th best of the 25 midsize 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 about as often as average16th best of the 21 midsize SUVs we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

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 Tiguan comes out about 28% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 12% less than average: about $840 a year vs $950. On the liability side, damage to others and injury claims combine to about 5% better than average. We count about half, so that part is about 3% less: $960 a year vs $990.

How the math works

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

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

A used Volkswagen Tiguan, 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 Tiguan (0–3 years old)	about $1,800	about $960	+$1,190	about $5,170
2022 Tiguan (4–7 years old)	about $1,700	about $960	+$1,120	about $4,880
2018 Tiguan (8–12 years old)	about $1,510	about $890	+$1,000	about $4,340
2013 Tiguan (13 or more years old)	about $1,490	about $950	+$990	about $4,280

Our catalog covers the Volkswagen Tiguan across model years 2009–2027. Full coverage on a used 2013 Tiguan (13 or more years old) runs about $1,490 a year, $310 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $950 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Volkswagen Tiguan trims, full coverage goes from about $1,700 a year on the Tiguan 4motion to about $1,800 on the Tiguan S, because HLDI's loss results differ by body, drive, or powertrain.

Tiguan 4motion; Tiguan R-Line 4motion: about $1,700
Tiguan; Tiguan S: about $1,800

On a policy of their own with a 2024 Volkswagen Tiguan, a 22–25-year-old pays about $2,340 a year ($540 more than a 45-year-old), a 26–39-year-old about $2,000, and a driver 65 and older about $1,890.

Adding a 16-year-old with a Volkswagen Tiguan

Because the Volkswagen Tiguan 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 $5,170 a year, about $3,980 more than sharing the family policy.

For adding a teen driver, the Volkswagen Tiguan ranks 29th cheapest out of all 121 models we track. Stepping down to a used 2013 Tiguan (13 or more years old) brings the teen add-on to about $990 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 midsize SUVs

Among these 25 midsize SUVs, the Volkswagen Tiguan is the 13th most expensive to insure. Right next to it are the Ford Explorer (about $1,790 a year) and the Ford Bronco (about $1,840).

Photos from Wikimedia Commons contributors. Photo credits.

What a Volkswagen Tiguan costs in your state

In six sample states, a 2024 Volkswagen Tiguan runs from about $1,200 a year in Vermont through Kentucky, Alabama, California and New Jersey to about $2,370 in New York:

Vermontabout $1,200/yr · +$790 teen
Kentuckyabout $1,510/yr · +$1,000 teen
Alabamaabout $1,590/yr · +$1,050 teen
Californiaabout $1,780/yr · +$1,170 teen
New Jerseyabout $2,120/yr · +$1,400 teen
New Yorkabout $2,370/yr · +$1,570 teen

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

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