Volkswagen CC Insurance Rates
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UPDATED: Jun 5, 2023
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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.
The average insurance prices for a Volkswagen CC are $1,216 every 12 months with full coverage. Comprehensive costs around $228 each year, collision insurance costs $356, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs around $2,626. Teens cost the most to insure at up to $4,722 a year.
Average premium for full coverage: $1,216
Policy rates for type of insurance:
Full coverage includes $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and CC models.
Price Range Variability
For a 40-year-old driver, Volkswagen CC insurance rates range from the cheapest price of $522 for just liability coverage to a high rate of $2,626 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than cities with more traffic congestion. The graphic below illustrates how your location can change auto insurance rates.
The examples above demonstrate why all drivers should get quotes for a specific zip code and their own driving history, instead of making a decision based on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below details average Volkswagen CC insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $716
- Choosing higher $1,000 deductibles can save about $132 annually
- The average price for a good driver age 40 using $500 deductibles is $1,216
- Selecting low deductibles for comp and collision coverage increases the price to $1,472
- Higher-risk drivers with serious driving violations could pay at least $2,626
- Policy cost to insure a 16-year-old driver can be $4,722 each year
Auto insurance rates for a Volkswagen CC also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can save as much as $390 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $4,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,400 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges from 42% to 128% more than the average policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Volkswagen CC insurance prices. A good driver about age 40 could pay as low as $880 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,640 on average in Florida, Michigan, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,100 | -$116 | -9.5% |
Alaska | $932 | -$284 | -23.4% |
Arizona | $1,008 | -$208 | -17.1% |
Arkansas | $1,216 | -$0 | 0.0% |
California | $1,386 | $170 | 14.0% |
Colorado | $1,162 | -$54 | -4.4% |
Connecticut | $1,250 | $34 | 2.8% |
Delaware | $1,376 | $160 | 13.2% |
Florida | $1,522 | $306 | 25.2% |
Georgia | $1,120 | -$96 | -7.9% |
Hawaii | $874 | -$342 | -28.1% |
Idaho | $822 | -$394 | -32.4% |
Illinois | $906 | -$310 | -25.5% |
Indiana | $914 | -$302 | -24.8% |
Iowa | $820 | -$396 | -32.6% |
Kansas | $1,156 | -$60 | -4.9% |
Kentucky | $1,658 | $442 | 36.3% |
Louisiana | $1,800 | $584 | 48.0% |
Maine | $750 | -$466 | -38.3% |
Maryland | $1,002 | -$214 | -17.6% |
Massachusetts | $972 | -$244 | -20.1% |
Michigan | $2,112 | $896 | 73.7% |
Minnesota | $1,016 | -$200 | -16.4% |
Mississippi | $1,454 | $238 | 19.6% |
Missouri | $1,078 | -$138 | -11.3% |
Montana | $1,304 | $88 | 7.2% |
Nebraska | $958 | -$258 | -21.2% |
Nevada | $1,460 | $244 | 20.1% |
New Hampshire | $874 | -$342 | -28.1% |
New Jersey | $1,358 | $142 | 11.7% |
New Mexico | $1,078 | -$138 | -11.3% |
New York | $1,280 | $64 | 5.3% |
North Carolina | $700 | -$516 | -42.4% |
North Dakota | $996 | -$220 | -18.1% |
Ohio | $840 | -$376 | -30.9% |
Oklahoma | $1,250 | $34 | 2.8% |
Oregon | $1,112 | -$104 | -8.6% |
Pennsylvania | $1,162 | -$54 | -4.4% |
Rhode Island | $1,620 | $404 | 33.2% |
South Carolina | $1,100 | -$116 | -9.5% |
South Dakota | $1,026 | -$190 | -15.6% |
Tennessee | $1,066 | -$150 | -12.3% |
Texas | $1,464 | $248 | 20.4% |
Utah | $900 | -$316 | -26.0% |
Vermont | $834 | -$382 | -31.4% |
Virginia | $728 | -$488 | -40.1% |
Washington | $940 | -$276 | -22.7% |
West Virginia | $1,112 | -$104 | -8.6% |
Wisconsin | $842 | -$374 | -30.8% |
Wyoming | $1,084 | -$132 | -10.9% |
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Volkswagen CC Sport 4-Dr Coupe | $1,140 | $95 |
Volkswagen CC Luxury 4-Dr Coupe | $1,192 | $99 |
Volkswagen CC VR6 Sport 4-Dr Coupe | $1,242 | $104 |
Volkswagen CC VR6 Motion 4-Dr Coupe | $1,266 | $106 |
Rates assume 2013 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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2013 Volkswagen CC | $228 | $356 | $474 | $1,216 |
Rates are averaged for all Volkswagen CC models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for More Affordable Volkswagen CC Insurance
Finding cheaper rates on insurance for a Volkswagen CC takes being a safe and courteous driver, having a good credit score, not filing small claims, and possibly raising deductibles. Invest the time to shop around every couple of years by getting quotes from direct companies, and also from several local insurance agents.
Below is a summary of the material that was illustrated above.
- Insureds who may need higher levels of liability will pay approximately $520 every year to raise limits from a 30/60 limit to a 250/500 level
- Teenage drivers are expensive to insure, as much as $394 each month if comprehensive and collision insurance is included
- Drivers considered higher risk who have multiple accidents or major violations pay on average $1,410 more every year for auto insurance
- Increasing comprehensive and collision deductibles could save as much as $400 each year
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.
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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.
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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.
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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.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,722 |
20 | $2,790 |
30 | $1,252 |
40 | $1,216 |
50 | $1,114 |
60 | $1,092 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,472 |
$250 | $1,354 |
$500 | $1,216 |
$1,000 | $1,084 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,216 |
50/100 | $1,361 |
100/300 | $1,479 |
250/500 | $1,787 |
100 CSL | $1,408 |
300 CSL | $1,669 |
500 CSL | $1,859 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,696 |
20 | $4,448 |
30 | $2,664 |
40 | $2,626 |
50 | $2,508 |
60 | $2,484 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $63 |
Multi-vehicle | $65 |
Homeowner | $20 |
5-yr Accident Free | $82 |
5-yr Claim Free | $78 |
Paid in Full/EFT | $50 |
Advance Quote | $57 |
Online Quote | $85 |
Total Discounts | $500 |
Discounts are estimated and may not be available from every company or in every state.
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