Volkswagen Arteon Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average insurance rates for a Volkswagen Arteon are $1,294 a year for full coverage. Comprehensive insurance costs approximately $312 each year, collision costs $574, and liability coverage costs around $298. Buying just liability costs as low as $340 a year, with insurance for high-risk drivers costing $2,798 or more. Teenage drivers receive the highest rates at $4,616 a year or more.
Average premium for full coverage: $1,294
Rate estimates by individual coverage type:
Full coverage includes $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Arteon models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the low end price of $340 for just the minimum liability insurance to a high rate of $2,798 for a driver that may need high-risk insurance.
Price Range by Location
Where you live has a large influence on car insurance rates. Rural locations tend to have lower incidents of accident claims than densely populated cities.
The graphic below illustrates the difference location can make on auto insurance prices.
These examples show why all drivers should compare prices using their specific location, rather than using average rates.
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 Analysis
The chart below shows estimated Volkswagen Arteon insurance rates for additional coverage and risk scenarios.
- The best discount rate is $725
- Using higher $1,000 deductibles will save $200 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,294
- Using low deductibles for physical damage coverage will cost an additional $392 each year
- Higher-risk drivers who are prone to accidents and violations could pay around $2,798 or more
- The cost that insures a teenage driver can cost $4,616 or more
Auto insurance rates for a Volkswagen Arteon can also vary considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers can be around 45% to 130% more than a normal policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,600 a year. View Rates by Age
Where you live has a huge impact on Volkswagen Arteon insurance rates. A driver around age 40 might see rates as low as $850 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,850 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,170 | -$124 | -9.6% |
| Alaska | $992 | -$302 | -23.3% |
| Arizona | $1,076 | -$218 | -16.8% |
| Arkansas | $1,294 | -$0 | 0.0% |
| California | $1,474 | $180 | 13.9% |
| Colorado | $1,234 | -$60 | -4.6% |
| Connecticut | $1,330 | $36 | 2.8% |
| Delaware | $1,464 | $170 | 13.1% |
| Florida | $1,618 | $324 | 25.0% |
| Georgia | $1,198 | -$96 | -7.4% |
| Hawaii | $930 | -$364 | -28.1% |
| Idaho | $876 | -$418 | -32.3% |
| Illinois | $966 | -$328 | -25.3% |
| Indiana | $974 | -$320 | -24.7% |
| Iowa | $876 | -$418 | -32.3% |
| Kansas | $1,228 | -$66 | -5.1% |
| Kentucky | $1,762 | $468 | 36.2% |
| Louisiana | $1,916 | $622 | 48.1% |
| Maine | $798 | -$496 | -38.3% |
| Maryland | $1,068 | -$226 | -17.5% |
| Massachusetts | $1,032 | -$262 | -20.2% |
| Michigan | $2,248 | $954 | 73.7% |
| Minnesota | $1,084 | -$210 | -16.2% |
| Mississippi | $1,550 | $256 | 19.8% |
| Missouri | $1,148 | -$146 | -11.3% |
| Montana | $1,390 | $96 | 7.4% |
| Nebraska | $1,018 | -$276 | -21.3% |
| Nevada | $1,554 | $260 | 20.1% |
| New Hampshire | $934 | -$360 | -27.8% |
| New Jersey | $1,446 | $152 | 11.7% |
| New Mexico | $1,146 | -$148 | -11.4% |
| New York | $1,364 | $70 | 5.4% |
| North Carolina | $744 | -$550 | -42.5% |
| North Dakota | $1,060 | -$234 | -18.1% |
| Ohio | $894 | -$400 | -30.9% |
| Oklahoma | $1,328 | $34 | 2.6% |
| Oregon | $1,186 | -$108 | -8.3% |
| Pennsylvania | $1,234 | -$60 | -4.6% |
| Rhode Island | $1,728 | $434 | 33.5% |
| South Carolina | $1,174 | -$120 | -9.3% |
| South Dakota | $1,092 | -$202 | -15.6% |
| Tennessee | $1,132 | -$162 | -12.5% |
| Texas | $1,558 | $264 | 20.4% |
| Utah | $958 | -$336 | -26.0% |
| Vermont | $884 | -$410 | -31.7% |
| Virginia | $776 | -$518 | -40.0% |
| Washington | $998 | -$296 | -22.9% |
| West Virginia | $1,188 | -$106 | -8.2% |
| Wisconsin | $896 | -$398 | -30.8% |
| Wyoming | $1,150 | -$144 | -11.1% |
Using high physical damage deductibles could cut rates by as much as $600 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $268 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Arteon | $370 | $686 | $264 | $1,430 |
| 2023 Volkswagen Arteon | $356 | $668 | $274 | $1,408 |
| 2022 Volkswagen Arteon | $344 | $640 | $284 | $1,378 |
| 2021 Volkswagen Arteon | $326 | $618 | $292 | $1,346 |
| 2020 Volkswagen Arteon | $312 | $574 | $298 | $1,294 |
| 2019 Volkswagen Arteon | $300 | $540 | $300 | $1,250 |
Rates are averaged for all Volkswagen Arteon 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 More Affordable Volkswagen Arteon Insurance
Saving money on auto insurance requires being a safe and courteous driver, maintaining a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Compare prices once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below is a summary of the data that was touched on in this article.
- Drivers can save around $160 per year simply by quoting online in advance
- Consumers who purchase higher levels of liability will pay an extra $330 each year to increase from a minimum limit to the 250/500 level
- Teenage drivers have the highest car insurance rates, costing as high as $385 per month if the policy includes full coverage
- Drivers who have multiple accidents or major violations could be forced to pay on average $1,500 more per year for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,616 |
| 20 | $2,970 |
| 30 | $1,366 |
| 40 | $1,294 |
| 50 | $1,180 |
| 60 | $1,158 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,686 |
| $250 | $1,504 |
| $500 | $1,294 |
| $1,000 | $1,094 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,294 |
| 50/100 | $1,354 |
| 100/300 | $1,428 |
| 250/500 | $1,622 |
| 100 CSL | $1,383 |
| 300 CSL | $1,547 |
| 500 CSL | $1,667 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,640 |
| 20 | $4,730 |
| 30 | $2,876 |
| 40 | $2,798 |
| 50 | $2,666 |
| 60 | $2,642 |
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 | $71 |
| Multi-vehicle | $67 |
| Homeowner | $18 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $64 |
| Advance Quote | $67 |
| Online Quote | $95 |
| Total Discounts | $569 |
Discounts are estimated and may not be available from every company or in every state.
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