Key Facts About Insuring a Volkswagen in Ontario
The figures below are based on MyChoice’s proprietary online quote data collected from Volkswagen drivers in Ontario in 2026.
| Average Volkswagen insurance premium (Ontario): | $1,644 |
| Cheapest Volkswagen model to insure: | GOLF ($1,571) |
| Most expensive Volkswagen model to insure: | Jetta ($2,056) |
| Cheaper alternatives to Volkswagen for car insurance: | Mitsubishi ($1,519), Fiat ($1,612) |
| Volkswagen collision rate in Ontario: | 11.0% of Volkswagen drivers have ≥1 at-fault accident |
How Much Does it Cost to Insure Your Volkswagen in Ontario?
Your postal code is one of the biggest factors in a Volkswagen premium. In congested, high-theft areas like Vaughan, Volkswagen drivers pay far more than the $1,644 provincial average, whereas quieter centres such as Hamilton see noticeably lower rates.
The table below estimates the average annual Volkswagen premium in major Ontario cities:
| City | Average Annual Insurance Premium |
|---|---|
| Brampton, ON | $2,677 |
| Scarborough, ON | $2,350 |
| Vaughan, ON | $2,086 |
| Mississauga, ON | $1,923 |
| Markham, ON | $1,823 |
| Toronto, ON | $1,811 |
| Barrie, ON | $1,633 |
| Oshawa, ON | $1,632 |
| London, ON | $1,571 |
| Windsor, ON | $1,569 |
| Thunder Bay, ON | $1,567 |
| Hamilton, ON | $1,442 |
| Sudbury, ON | $1,420 |
| Kitchener, ON | $1,396 |
| Kingston, ON | $1,341 |
| Ottawa, ON | $1,296 |
How Volkswagen Car Insurance Costs Compare to Similar Vehicle Brands
Insurance cost is often a deciding factor when shopping across brands. Our internal Ontario quote data places Volkswagen in a lower price band: it typically costs more to insure than Mitsubishi, Fiat, yet less than Subaru, Kia, Dodge.
Here’s how the average annual Ontario premiums stack up:
| Car Model | Average Annual Insurance Premium |
|---|---|
| Mitsubishi | $1,519 |
| Fiat | $1,612 |
| Volkswagen | $1,644 |
| Subaru | $1,702 |
| Kia | $1,715 |
| Dodge | $1,756 |
Volkswagen Car Insurance Rates Through The Years
Volkswagen’s car insurance rates have steadily increased in the past few years, with a slight decline in 2025.
| Year | Average Annual Insurance Premium | YoY Change |
|---|---|---|
| 2020 | $1,239 | — |
| 2021 | $1,314 | +6.1% |
| 2022 | $1,398 | +6.4% |
| 2023 | $1,480 | +5.9% |
| 2024 | $1,678 | +13.4% |
| 2025 | $1,614 | -3.8% |
| 2026 | $1,644 | +1.9% |
Volkswagen Car Insurance Rates by Model & Year Make
Not every Volkswagen costs the same to insure. In our Ontario data, the GOLF is the most affordable to cover, while the Jetta carries the highest premium, reflecting differences in value, repair cost and theft risk.
Here are average annual Ontario premiums by Volkswagen model:
| Model | Average Annual Insurance Premium |
|---|---|
| GOLF | $1,571 |
| Atlas | $1,642 |
| Tiguan | $1,786 |
| TAOS | $1,842 |
| GTI | $1,913 |
| Passat | $1,989 |
| Jetta | $2,056 |
Volkswagen Insurance FAQs
What are some of the most popular Volkswagen vehicles?
One of the most popular Volkswagen vehicles is the VW Jetta. The Jetta is a sedan sold in two-door and four-door versions. The car was designed to be an affordable sedan with more space than a Golf. The VW Jetta has a four-star safety rating. The VW Jetta will cost a little bit more to insure than other vehicles, such as the VW Golf. This is because it is a larger car.
The VW Beetle is Volkswagen’s most iconic car, with versions of the vehicle being in production since the company’s founding in 1937. The VW Beetle is an affordable hatchback that gets great gas mileage, has good safety ratings, and offers great performance. The VW Beetle has a four-star safety rating.
Which Volkswagen model is the cheapest to insure?
The cheapest Volkswagen model to insure in Ontario is the Volkswagen GOLF, with an annual average insurance premium of $1,571.