Volkswagen CC Insurance Rates

Is Volkswagen expensive to insure? The average cost of Volkswagen CC full coverage insurance is about $1,500 (CC doesn’t stand for concealed carry insurance or credit card insurance, so if you are looking for CC insurance meaning you won’t find it here). Paying prices like these can ruin a driver’s budget, so if you need clear data on Volkswagen CC insurance costs, you’ve come to the right place.

Our guide goes over average Volkswagen rates, how to get the cheapest insurance rates, safety ratings, and more. Want to start looking for Volkswagen CC insurance costs today? Enter your ZIP code in our free tool above.

U.S. average insurance rates for a Volkswagen CC are $1,318 a year including full coverage. Comprehensive insurance costs around $258, collision costs $442, and liability costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing $2,856 or more. 16-year-old drivers pay the highest rates at $5,046 a year or more.

Average premium for full coverage: $1,318

Price estimates for individual coverage:

Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different CC trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below breaks down estimated Volkswagen CC insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $765
• Using higher $1,000 deductibles will save about $158 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,318
• Buying more expensive low deductibles for physical damage coverage will cost an extra $310 annually
• High-risk insureds with multiple tickets or accidents could pay at least $2,856 or more
• The price for full coverage for a 16-year-old driver with full coverage can be $5,046 or more

View Chart as Image

Car insurance prices for a Volkswagen CC are also quite variable based on your driving record, the model of your CC, and deductibles and policy limits.

An older driver with no driving violations and high deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged as much as $5,000 a year. View Rates by Age

The state you live in has a huge impact on Volkswagen CC insurance prices. A driver around age 40 might see prices as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,880 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $470 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can be from 44% to 135% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to figure out your exact price is to compare prices from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Affordable Volkswagen CC Insurance

Getting lower rates on insurance for a Volkswagen CC requires having a decent driving record, having above-average credit, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates at every other renewal by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a brief review of the concepts that were covered above.

• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,540 more every year than a driver with a clean driving record
• 16 to 18-year-old drivers are the costliest to insure, possibly costing $421 a month if full coverage is included
• You may be able to save up to $160 per year simply by shopping early and online
• Increasing physical damage deductibles can save around $475 each year
• You may be able to save up to $160 per year simply by shopping early and online

Getting insurance quotes is one of the best ways to save money on your Volkswagen auto insurance. It can also help you find out rates for multiple different vehicles and learn more about what determines the price of car insurance.

So if you want to know how much does it cost to insure a Volkswagen Polo, is a VW GTI expensive to insure, or are VW Jettas expensive to insure, start by getting quotes. Enter your ZIP code in our free tool below to get started.

Size and Class of the Volkswagen CC and Liability Insurance

Because liability insurance pays for other drivers’ injury bills and property damage bills after an accident you caused, the size and class of your vehicle will affect your rates. Vehicles that are larger or crash easily will have higher liability rates, as they are more likely to do damage to other vehicles and drivers.

The Volkswagen CC is a midsize luxury vehicle, which suggests that it won’t have high liability rates. Why? Midsize vehicles are still small, which means they aren’t likely to plow through most vehicles. And even though the Volkswagen CC is a luxury car, it is not a sportscar. This means that the engine won’t be as powerful.

While this may seem like a negative, cars with powerful engines have higher rates. Powerful engines mean fast acceleration and a tendency to speed, which can lead to crashes. This is why sportscars always cost more to insure.

Volkswagen CC and Liability Insurance Rates

Getting quotes is a great way to estimate how much liability insurance will cost for a Volkswagen CC. We pulled liability rates from a sample Geico quote for a 40-year-old male driver who has a clean record, owns his Volkswagen CC, and travels 13,000 miles a year.

The first set of rates you see below is for the bodily injury part of a liability policy. They are also for a six-month policy period, which you can pay in full or by the month.

• Low ($15,000/$30,000): $43.21
• Medium ($100,000/$200,000): $88.57
• High ($500,000/$500,000): $142.57

Bodily liability insurance is a little more expensive than average for a Volkswagen CC. It will cost you around $100 to upgrade from low to high coverage. The price increases for property damage liability, however, are lower than bodily injury liability coverage.

• Low ($5,000): $437.34
• Medium ($20,000): $466.69
• High ($100,000): $488.13

It costs about $51 to upgrade from low to high coverage, which only amounts to around $8 a month. This isn’t bad at all.

Volkswagen CC Safety Features and Ratings

Safety features serve a dual purpose for drivers. The most important purpose of safety features is that they both help prevent crashes and protect passengers in a crash. The other benefit of safety features is that insurers offer discounts for safety features in cars.

According to USNews, the 2016 Volkswagen CC has the following standard safety features:

• Driver Air Bag
• Passenger Air Bag
• Front Head Air Bag
• Rear Head Air Bag
• Front Side Air Bag
• 4-Wheel ABS
• 4-Wheel Disc Brakes
• Brake Assist
• Electronic Stability Control
• Daytime Running Lights
• Child Safety Locks
• Integrated Turn Signal Mirrors
• Traction Control
• Auto-Leveling Headlights

This list may seem long, but it is a little light on modern safety features, such as backup cameras, forward collision warning, parking assist, and more. Still, many of these features on the list will count towards a vehicle safety discount at your insurer.

Another factor that can earn you a discount is the crash test rating of your vehicle. The Insurance Institute for Highway Safety (IIHS) has performed crash tests on the 2017 Volkswagen CC. Take a look at how the Volkswagen CC did below.

• Small overlap front (driver-side): Marginal
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

Good is the highest rating, so all the crash tests went well except for the small overlap front crash test on the driver-side. Marginal is a poor rating, so this is something to think about when buying a Volkswagen CC. The video below shows one of the IIHS’s crash tests in action.

Having a safe car is a smart choice, as the IIHS’s 2018 data on crash fatalities for cars, pickups, and SUVs shows that cars have the highest fatality numbers.

For driver fatalities per million vehicles, there 48 car fatalities compared to only 34 pickup fatalities and 23 SUV fatalities. For occupant fatalities per million vehicles, there were 69 car fatalities compared to 42 pickup fatalities and 32 SUV fatalities.

These estimates were created from total fatalities: 13,138 for cars, 5,035 for SUVs, and 4,369 for pickups. Take a look at the list below for a crash type breakdown of the 13,138 car fatalities.

• Frontal Impact: 7,433 fatalities
• Side Impact: 3,568 fatalities
• Rear Impact: 834 fatalities
• Other (mostly rollovers): 1,303 fatalities

Getting a safe car can help prevent you from being seriously injured in a crash and being one of these statistics. So taking safety features seriously when you are looking to find which cars are cheapest to insure while car shopping is important.

Volkswagen CC Manufacturer Suggested Retail Price

The manufacturer suggested retail price (MSRP) is the price a manufacturer decides its car is worth. This price never changes, which is why insurers use the MSRP, rather than invoice price or fair market price, to help set the rates for collision and comprehensive coverage.

These two coverages pay for your vehicle repairs after an accident, so the MSRP gives insurers a rough idea of how much vehicle repairs and replacement will cost. For instance, if the MSRP is high, it means that replacement parts will be expensive.

According to Kelley Blue Book (KBB), average prices for a 2017 Volkswagen CC are:

• Typical Listing Price: $16,210
• Fair Purchase Price: $15,573
• Fair Market Range: $14,374 to $16,771

While there is no listed MSRP (because the Volkswagen CC is older), the MSRP is usually a few thousand dollars more than the typical listing price. Because the price for the 2017 Volkswagen is average, you should probably have normal collision and comprehensive rates.

Volkswagen CC Repair Costs

How much does it cost to maintain a Volkswagen CC? When you shop for a new car, you need to make sure that it won’t be breaking down frequently or need expensive repairs. Otherwise, owning a Volkswagen CC could cost more than expected.

Unfortunately, RepairPal’s reliability rating for the Volkswagen CC was only 2.5 out of 5, which is poor. The average annual maintenance cost for the Volkswagen CC is $880, which is double the average maintenance cost for midsize cars ($526).

Another reason you should care about repair costs is that insurers use repair costs to help them calculate the risk of insuring your Volkswagen CC. If it is expensive to repair a Volkswagen CC, rates will go up.

We hope our guide helped you better understand Volkswagen CC rates. Luckily, you can help keep Volkswagen CC rates cheap by shopping around for insurance and learning what car is the most expensive to insure and what’s the cheapest car to insure.

If you are ready to start comparing rates after reading our guide to Volkswagen CC insurance costs, enter your ZIP code in our free tool to find out which car insurance company is cheapest.