Volkswagen CC Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 12, 2022

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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.

Average insurance rates for a Volkswagen CC are $1,238 a year for full coverage. Comprehensive costs on average $234, collision insurance costs $382, and liability costs $464. A liability-only policy costs as little as $514 a year, and high-risk insurance costs around $2,678. 16-year-old drivers receive the highest rates at up to $4,788 a year.

Average premium for full coverage: $1,238

Rate estimates by individual coverage type:

Comprehensive $234
Collision $382
Liability $464

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for different CC trim levels.

Price Range by Coverage and Risk

For an average driver, prices range range from the low end price of $514 for the bare minimum liability coverage to a much higher rate of $2,678 for a driver who requires high-risk insurance.

Liability Only $514
Full Coverage $1,238
High Risk $2,678

Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas tend to have lower incidents of accident claims than congested cities. The price range example below illustrates the effect of geographic area on car insurance rates.

Rural Areas $929
Small Cities $1,300
Large Cities $1,671

These examples show why anyone shopping for car insurance should compare rates based on a specific location, instead of making a decision based on rate averages.

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.

Additional Rate Information

The chart below shows average Volkswagen CC insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $727
  • Drivers who choose higher $1,000 deductibles will pay around $140 a year
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,238
  • Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,506
  • Drivers with multiple tickets or accidents could pay upwards of $2,678
  • The cost that insures a 16-year-old driver with full coverage may cost $4,788 a year

View Chart as Image

Volkswagen CC insurance cost comparison chart
Column chart showing Volkswagen CC insurance rates range from $727 to $4,788 for full coverage

Insurance rates for a Volkswagen CC can also vary considerably based on the model year and trim level, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance can cost from 44% to 135% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $4,700 a year. View Rates by Age

Where you live makes a big difference in Volkswagen CC insurance prices. A 40-year-old driver could pay as low as $820 a year in states like Idaho, Maine, and Iowa, or at least $1,770 on average in Michigan, Louisiana, and New York.

Volkswagen CC Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,118 -$120 -9.7%
Alaska $948 -$290 -23.4%
Arizona $1,028 -$210 -17.0%
Arkansas $1,238 -$0 0.0%
California $1,410 $172 13.9%
Colorado $1,182 -$56 -4.5%
Connecticut $1,274 $36 2.9%
Delaware $1,402 $164 13.2%
Florida $1,548 $310 25.0%
Georgia $1,142 -$96 -7.8%
Hawaii $890 -$348 -28.1%
Idaho $836 -$402 -32.5%
Illinois $922 -$316 -25.5%
Indiana $932 -$306 -24.7%
Iowa $836 -$402 -32.5%
Kansas $1,176 -$62 -5.0%
Kentucky $1,688 $450 36.3%
Louisiana $1,832 $594 48.0%
Maine $764 -$474 -38.3%
Maryland $1,020 -$218 -17.6%
Massachusetts $990 -$248 -20.0%
Michigan $2,150 $912 73.7%
Minnesota $1,036 -$202 -16.3%
Mississippi $1,484 $246 19.9%
Missouri $1,098 -$140 -11.3%
Montana $1,328 $90 7.3%
Nebraska $976 -$262 -21.2%
Nevada $1,484 $246 19.9%
New Hampshire $890 -$348 -28.1%
New Jersey $1,382 $144 11.6%
New Mexico $1,096 -$142 -11.5%
New York $1,304 $66 5.3%
North Carolina $714 -$524 -42.3%
North Dakota $1,012 -$226 -18.3%
Ohio $856 -$382 -30.9%
Oklahoma $1,272 $34 2.7%
Oregon $1,134 -$104 -8.4%
Pennsylvania $1,180 -$58 -4.7%
Rhode Island $1,652 $414 33.4%
South Carolina $1,122 -$116 -9.4%
South Dakota $1,044 -$194 -15.7%
Tennessee $1,084 -$154 -12.4%
Texas $1,494 $256 20.7%
Utah $916 -$322 -26.0%
Vermont $848 -$390 -31.5%
Virginia $740 -$498 -40.2%
Washington $956 -$282 -22.8%
West Virginia $1,134 -$104 -8.4%
Wisconsin $858 -$380 -30.7%
Wyoming $1,104 -$134 -10.8%

View Chart as Image

Volkswagen CC insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $410 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Volkswagen CC Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volkswagen CC Sport 4-Dr Coupe $1,156 $96
Volkswagen CC Luxury 4-Dr Coupe $1,210 $101
Volkswagen CC VR6 Sport 4-Dr Coupe $1,264 $105
Volkswagen CC VR6 Motion 4-Dr Coupe $1,290 $108

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.

Volkswagen CC Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2013 Volkswagen CC $234 $382 $464 $1,238

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 Find Cheaper Volkswagen CC Insurance

Saving money on insurance for a Volkswagen CC not only requires being a good driver, but also having above-average credit, eliminating unneeded coverage, and determing if full coverage is necessary. Comparison shop at every other renewal by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a condensed summary of the concepts that were covered in the above illustrations.

  • Drivers considered higher risk with multiple at-fault accidents may pay on average $1,440 more each year than a safer driver
  • Drivers age 16 to 20 pay the highest rates, costing as high as $399 per month if full coverage is included
  • Drivers can save as much as $140 per year just by shopping early and online
  • Increasing deductibles can save approximately $400 each year
  • Drivers can save as much as $140 per year just 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.

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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.

Rates by Driver Age

Volkswagen CC Insurance Rates by Driver Age
Driver Age Premium
16 $4,788
20 $2,846
30 $1,274
40 $1,238
50 $1,132
60 $1,110

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen CC Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,506
$250 $1,384
$500 $1,238
$1,000 $1,098

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen CC Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,238
50/100 $1,383
100/300 $1,499
250/500 $1,800
100 CSL $1,429
300 CSL $1,684
500 CSL $1,870

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen CC Insurance Rates for High Risk Drivers
Age Premium
16 $6,796
20 $4,538
30 $2,718
40 $2,678
50 $2,556
60 $2,534

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.

SR-22 Surcharge $171

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $65
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $85
5-yr Claim Free $79
Paid in Full/EFT $52
Advance Quote $58
Online Quote $86
Total Discounts $511
Rate after discounts $727

Discounts are estimated and may not be available from every company or in every state.

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