Volkswagen Atlas Insurance Rates
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Michelle Robbins
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UPDATED: Apr 16, 2024
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The average insurance rates for a Volkswagen Atlas are $1,476 a year including full coverage. Comprehensive costs on average $292 each year, collision costs $574, and liability insurance costs around $452. Liability-only coverage costs as low as $504 a year, with high-risk coverage costing around $3,212. 16-year-old drivers cost the most to insure at $5,564 a year or more.
Average premium for full coverage: $1,476
Policy rates by type of insurance:
Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Atlas models.
Price Range Variability
For the average 40-year-old driver, Volkswagen Atlas insurance rates go from as low as $504 for just liability coverage to a high rate of $3,212 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than congested cities.
The graphic below illustrates the difference location can make on car insurance rates.
The examples above highlight why all drivers should compare prices based on a specific location and risk profile, rather than relying 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.
Detailed Rate Analysis
The chart below breaks down estimated Volkswagen Atlas insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $841
- Using higher $1,000 deductibles will save around $196 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,476
- Buying low deductibles for physical damage coverage will increase the cost to $1,860
- Drivers with multiple tickets or accidents could pay upwards of $3,212 or more
- Policy cost for full coverage for a teen driver may cost $5,564 or more
Insurance rates for a Volkswagen Atlas also range considerably based on your risk profile, the model of your Atlas, and policy deductibles and limits.
More mature drivers with no violations or accidents and high deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $5,500 a year. View Rates by Age
Your home state has a huge impact on Volkswagen Atlas insurance rates. A driver around age 40 might see rates as low as $1,130 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,100 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,334 | -$142 | -9.6% |
| Alaska | $1,132 | -$344 | -23.3% |
| Arizona | $1,224 | -$252 | -17.1% |
| Arkansas | $1,476 | -$0 | 0.0% |
| California | $1,680 | $204 | 13.8% |
| Colorado | $1,408 | -$68 | -4.6% |
| Connecticut | $1,518 | $42 | 2.8% |
| Delaware | $1,670 | $194 | 13.1% |
| Florida | $1,846 | $370 | 25.1% |
| Georgia | $1,362 | -$114 | -7.7% |
| Hawaii | $1,060 | -$416 | -28.2% |
| Idaho | $998 | -$478 | -32.4% |
| Illinois | $1,100 | -$376 | -25.5% |
| Indiana | $1,110 | -$366 | -24.8% |
| Iowa | $996 | -$480 | -32.5% |
| Kansas | $1,402 | -$74 | -5.0% |
| Kentucky | $2,012 | $536 | 36.3% |
| Louisiana | $2,184 | $708 | 48.0% |
| Maine | $910 | -$566 | -38.3% |
| Maryland | $1,216 | -$260 | -17.6% |
| Massachusetts | $1,180 | -$296 | -20.1% |
| Michigan | $2,562 | $1,086 | 73.6% |
| Minnesota | $1,234 | -$242 | -16.4% |
| Mississippi | $1,768 | $292 | 19.8% |
| Missouri | $1,308 | -$168 | -11.4% |
| Montana | $1,584 | $108 | 7.3% |
| Nebraska | $1,164 | -$312 | -21.1% |
| Nevada | $1,770 | $294 | 19.9% |
| New Hampshire | $1,064 | -$412 | -27.9% |
| New Jersey | $1,650 | $174 | 11.8% |
| New Mexico | $1,306 | -$170 | -11.5% |
| New York | $1,554 | $78 | 5.3% |
| North Carolina | $850 | -$626 | -42.4% |
| North Dakota | $1,208 | -$268 | -18.2% |
| Ohio | $1,020 | -$456 | -30.9% |
| Oklahoma | $1,514 | $38 | 2.6% |
| Oregon | $1,352 | -$124 | -8.4% |
| Pennsylvania | $1,408 | -$68 | -4.6% |
| Rhode Island | $1,970 | $494 | 33.5% |
| South Carolina | $1,336 | -$140 | -9.5% |
| South Dakota | $1,244 | -$232 | -15.7% |
| Tennessee | $1,292 | -$184 | -12.5% |
| Texas | $1,780 | $304 | 20.6% |
| Utah | $1,092 | -$384 | -26.0% |
| Vermont | $1,010 | -$466 | -31.6% |
| Virginia | $882 | -$594 | -40.2% |
| Washington | $1,140 | -$336 | -22.8% |
| West Virginia | $1,352 | -$124 | -8.4% |
| Wisconsin | $1,022 | -$454 | -30.8% |
| Wyoming | $1,314 | -$162 | -11.0% |
Opting for high physical damage deductibles could cut rates by as much as $580 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,400 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 136% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, and rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Atlas | $358 | $690 | $390 | $1,596 |
| 2023 Volkswagen Atlas | $344 | $686 | $398 | $1,586 |
| 2022 Volkswagen Atlas | $332 | $668 | $416 | $1,574 |
| 2021 Volkswagen Atlas | $320 | $640 | $430 | $1,548 |
| 2020 Volkswagen Atlas | $304 | $618 | $442 | $1,522 |
| 2019 Volkswagen Atlas | $292 | $574 | $452 | $1,476 |
| 2018 Volkswagen Atlas | $280 | $540 | $456 | $1,434 |
Rates are averaged for all Volkswagen Atlas 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 the Best Cheap Volkswagen Atlas Insurance
Finding cheaper rates on Volkswagen Atlas insurance requires avoiding accidents and claims, having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Make time to compare rates every time your policy renews by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The points below are a quick review of the information touched on in this article.
- You may be able to save as much as $180 per year simply by quoting online in advance
- Drivers under the age of 20 pay higher rates, with premiums being up to $464 each month including comprehensive and collision insurance
- Increasing comprehensive and collision deductibles can save around $575 each year
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,740 more each year to insure a Volkswagen Atlas
- Drivers who require increased liability limits will pay around $500 per year to increase from a 30/60 limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,564 |
| 20 | $3,430 |
| 30 | $1,536 |
| 40 | $1,476 |
| 50 | $1,348 |
| 60 | $1,324 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,860 |
| $250 | $1,680 |
| $500 | $1,476 |
| $1,000 | $1,280 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,476 |
| 50/100 | $1,566 |
| 100/300 | $1,679 |
| 250/500 | $1,973 |
| 100 CSL | $1,612 |
| 300 CSL | $1,860 |
| 500 CSL | $2,041 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,950 |
| 20 | $5,468 |
| 30 | $3,280 |
| 40 | $3,212 |
| 50 | $3,070 |
| 60 | $3,042 |
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 | $79 |
| Multi-vehicle | $79 |
| Homeowner | $22 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $68 |
| Advance Quote | $74 |
| Online Quote | $105 |
| Total Discounts | $635 |
Discounts are estimated and may not be available from every company or in every state.
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