Volkswagen Routan Insurance Rates

The average insurance rates for a Volkswagen Routan are $1,320 a year for full coverage. Comprehensive costs on average $336 each year, collision costs $532, and liability is $316. A liability-only policy costs around $376 a year, with high-risk insurance costing around $2,826. Teenage drivers cost the most to insure at $4,716 a year or more.

Average premium for full coverage: $1,320

Policy rates by type of insurance:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Routan models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The examples above show why all drivers should compare rates quotes based on a specific location, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below shows estimated Volkswagen Routan insurance rates for different risk profiles and scenarios.

• The best discount rate is $760
• Raising to $1,000 deductibles will save around $200 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,320
• Using low deductibles bumps up the cost to $1,698
• Drivers who are prone to accidents and violations could pay upwards of $2,826 or more
• Policy cost that insures a 16-year-old driver may cost $4,716

View Chart as Image

Car insurance rates for a Volkswagen Routan also range considerably based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 45% to 127% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $4,700 a year. View Rates by Age

Your home state also has a big influence on Volkswagen Routan insurance prices. A middle-age driver might find rates as low as $870 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,880 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $580 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $285 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2026 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 the Cheapest Volkswagen Routan Insurance

Finding cheaper rates on insurance for a Volkswagen Routan consists of having a decent driving record, having a positive credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices at least once a year by getting quotes from direct carriers, and also from local exclusive and independent agents.

The following items are a recap of the primary concepts that were covered above.

• Drivers can save as much as $160 per year simply by quoting online in advance
• Drivers considered higher risk that have major violations or accidents may pay on average $1,510 more each year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• 16 to 18-year-old drivers are expensive to insure, costing up to $393 each month if full coverage is purchased