Volkswagen Routan Insurance Rates

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UPDATED: Jun 5, 2023

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The average insurance rates for a Volkswagen Routan are $1,320 a year for full coverage insurance. Comprehensive insurance costs on average $336 a year, collision costs $532, and liability is $316. Liability-only insurance costs around $376 a year, with high-risk driver insurance costing $2,826 or more. Teens 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:

Comprehensive $336
Collision $532
Liability $316

Estimates include $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Routan trim levels.

Price Range Variability

For a 40-year-old driver, Volkswagen Routan insurance rates go from the low end price of $376 for your basic liability-only policy to a high of $2,826 for a high-risk driver policy.

Liability Only $376
Full Coverage $1,320
High Risk $2,826

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how your location can change car insurance rates.

Rural Areas $990
Small Cities $1,386
Large Cities $1,782

The examples above illustrate why it is important to compare rates quotes based on a specific location, instead of using 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.

More Rate Information

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

  • The cheapest rate after discounts is $760
  • Raising to $1,000 deductibles will save around $1,120 each year
  • The estimated price for a good driver age 40 with $500 deductibles is $1,320
  • Selecting low $100 deductibles will cost an additional $378 every year
  • At-risk drivers with serious driving violations could pay upwards of $2,826 or more
  • Policy cost that insures a teen driver may cost $4,716

View Chart as Image

Volkswagen Routan insurance cost comparison chart
Column chart showing full coverage Volkswagen Routan insurance prices range from $760 to $4,716

Auto insurance rates for a Volkswagen Routan also range considerably based on the trim level of your Routan, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 45% to 127% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little 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 have to pay 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 $860 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,780 on average in Michigan, New York, and Florida.

Volkswagen Routan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,190 -$130 -9.8%
Alaska $1,012 -$308 -23.3%
Arizona $1,094 -$226 -17.1%
Arkansas $1,320 -$0 0.0%
California $1,502 $182 13.8%
Colorado $1,258 -$62 -4.7%
Connecticut $1,354 $34 2.6%
Delaware $1,492 $172 13.0%
Florida $1,646 $326 24.7%
Georgia $1,220 -$100 -7.6%
Hawaii $948 -$372 -28.2%
Idaho $894 -$426 -32.3%
Illinois $982 -$338 -25.6%
Indiana $992 -$328 -24.8%
Iowa $890 -$430 -32.6%
Kansas $1,250 -$70 -5.3%
Kentucky $1,800 $480 36.4%
Louisiana $1,952 $632 47.9%
Maine $814 -$506 -38.3%
Maryland $1,088 -$232 -17.6%
Massachusetts $1,050 -$270 -20.5%
Michigan $2,290 $970 73.5%
Minnesota $1,104 -$216 -16.4%
Mississippi $1,580 $260 19.7%
Missouri $1,170 -$150 -11.4%
Montana $1,416 $96 7.3%
Nebraska $1,038 -$282 -21.4%
Nevada $1,582 $262 19.8%
New Hampshire $952 -$368 -27.9%
New Jersey $1,474 $154 11.7%
New Mexico $1,164 -$156 -11.8%
New York $1,388 $68 5.2%
North Carolina $758 -$562 -42.6%
North Dakota $1,082 -$238 -18.0%
Ohio $908 -$412 -31.2%
Oklahoma $1,352 $32 2.4%
Oregon $1,210 -$110 -8.3%
Pennsylvania $1,256 -$64 -4.8%
Rhode Island $1,760 $440 33.3%
South Carolina $1,196 -$124 -9.4%
South Dakota $1,112 -$208 -15.8%
Tennessee $1,154 -$166 -12.6%
Texas $1,590 $270 20.5%
Utah $976 -$344 -26.1%
Vermont $902 -$418 -31.7%
Virginia $790 -$530 -40.2%
Washington $1,016 -$304 -23.0%
West Virginia $1,210 -$110 -8.3%
Wisconsin $912 -$408 -30.9%
Wyoming $1,174 -$146 -11.1%

View Chart as Image

Volkswagen Routan insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $580 every year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $285 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Every auto insurance company calculates rates differently, and quoted rates will be varied.

Insurance Rates by Trim Level and Model Year

Volkswagen Routan Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volkswagen Routan S 2WD $1,170 $98
Volkswagen Routan SE 2WD $1,274 $106
Volkswagen Routan SEL 2WD $1,394 $116
Volkswagen Routan SEL Premium 6 Cyl 2WD $1,440 $120

Rates assume 2025 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 Routan Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2012 Volkswagen Routan $190 $244 $406 $976

Rates are averaged for all Volkswagen Routan 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 Low Cost Volkswagen Routan Insurance

Finding cheaper rates on car insurance consists of not taking risks behind the wheel, maintaining a good credit score, being claim-free, and taking advantage of discounts. Compare rates every time your policy renews by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following is a review of the information illustrated above.

  • It is possible to save as much as $160 per year simply by quoting early and online
  • Teens are charged the highest rates, possibly costing $393 each month if the policy includes full coverage
  • Increasing comprehensive and collision deductibles can save approximately $575 each year
  • Higher risk drivers who have several accidents or serious violations may pay on average $1,510 more each year for Routan insurance
  • Policyholders who require higher liability limits will pay approximately $350 annually to raise from a 30/60 limit to the 250/500 level

Rates by Driver Age

Volkswagen Routan Insurance Rates by Driver Age
Driver Age Premium
16 $4,716
20 $3,000
30 $1,386
40 $1,320
50 $1,202
60 $1,178

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Routan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,698
$250 $1,524
$500 $1,320
$1,000 $1,120

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Routan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,320
50/100 $1,503
100/300 $1,582
250/500 $1,788
100 CSL $1,535
300 CSL $1,709
500 CSL $1,835

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Routan Insurance Rates for High Risk Drivers
Age Premium
16 $6,750
20 $4,760
30 $2,898
40 $2,826
50 $2,688
60 $2,662

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 $179

Potential Rate Discounts

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

Discount Savings
Multi-policy $71
Multi-vehicle $66
Homeowner $18
5-yr Accident Free $98
5-yr Claim Free $85
Paid in Full/EFT $62
Advance Quote $65
Online Quote $95
Total Discounts $560
Rate after discounts $760

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

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