Volkswagen Atlas Cross Sport Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Volkswagen Atlas Cross Sport are $1,840 annually for full coverage. Comprehensive costs on average $292, collision costs $646, and liability coverage costs $664. Buying just liability costs as little as $744 a year, with insurance for high-risk drivers costing around $4,024. Teen drivers cost the most to insure at $7,222 a year or more.
Average premium for full coverage: $1,840
Policy rates by type of insurance:
Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all Atlas Cross Sport models.
Price Range Variability
For the average driver, Volkswagen Atlas Cross Sport insurance rates go from as cheap as $744 for just the minimum liability insurance to the much higher price of $4,024 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on car insurance rates. Rural areas are shown to have fewer accident claims than larger metro areas.
The example below illustrates how location impacts car insurance rates.
The examples above show why everyone should compare rates based on a specific location and their own personal driving habits, rather than using price 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.
Additional Rate Analysis
The chart below shows estimated Volkswagen Atlas Cross Sport insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,063
- Drivers who choose higher $1,000 deductibles will pay around $212 a year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,840
- Choosing pricier low deductibles for comprehensive and collision insurance will cost $2,256
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $4,024 or more
- Policy cost with full coverage for a teenage driver for full coverage may cost $7,222 a year
Insurance rates for a Volkswagen Atlas Cross Sport also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.
A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,700 per year on average, or $142 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $7,200 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $2,200 to $3,100 extra every year, depending on your age. Volkswagen Atlas Cross Sport insurance for high-risk drivers can cost around 43% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $630 a year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $597 more per year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Volkswagen Atlas Cross Sport insurance rates. A 40-year-old driver could pay as low as $1,210 a year in states like Idaho, Maine, and Iowa, or as much as $2,620 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,664 | -$176 | -9.6% |
| Alaska | $1,408 | -$432 | -23.5% |
| Arizona | $1,524 | -$316 | -17.2% |
| Arkansas | $1,840 | -$0 | 0.0% |
| California | $2,098 | $258 | 14.0% |
| Colorado | $1,758 | -$82 | -4.5% |
| Connecticut | $1,888 | $48 | 2.6% |
| Delaware | $2,080 | $240 | 13.0% |
| Florida | $2,300 | $460 | 25.0% |
| Georgia | $1,698 | -$142 | -7.7% |
| Hawaii | $1,320 | -$520 | -28.3% |
| Idaho | $1,248 | -$592 | -32.2% |
| Illinois | $1,370 | -$470 | -25.5% |
| Indiana | $1,386 | -$454 | -24.7% |
| Iowa | $1,244 | -$596 | -32.4% |
| Kansas | $1,746 | -$94 | -5.1% |
| Kentucky | $2,508 | $668 | 36.3% |
| Louisiana | $2,724 | $884 | 48.0% |
| Maine | $1,136 | -$704 | -38.3% |
| Maryland | $1,518 | -$322 | -17.5% |
| Massachusetts | $1,470 | -$370 | -20.1% |
| Michigan | $3,192 | $1,352 | 73.5% |
| Minnesota | $1,540 | -$300 | -16.3% |
| Mississippi | $2,200 | $360 | 19.6% |
| Missouri | $1,634 | -$206 | -11.2% |
| Montana | $1,978 | $138 | 7.5% |
| Nebraska | $1,448 | -$392 | -21.3% |
| Nevada | $2,204 | $364 | 19.8% |
| New Hampshire | $1,322 | -$518 | -28.2% |
| New Jersey | $2,054 | $214 | 11.6% |
| New Mexico | $1,630 | -$210 | -11.4% |
| New York | $1,938 | $98 | 5.3% |
| North Carolina | $1,060 | -$780 | -42.4% |
| North Dakota | $1,506 | -$334 | -18.2% |
| Ohio | $1,270 | -$570 | -31.0% |
| Oklahoma | $1,886 | $46 | 2.5% |
| Oregon | $1,686 | -$154 | -8.4% |
| Pennsylvania | $1,754 | -$86 | -4.7% |
| Rhode Island | $2,452 | $612 | 33.3% |
| South Carolina | $1,666 | -$174 | -9.5% |
| South Dakota | $1,552 | -$288 | -15.7% |
| Tennessee | $1,608 | -$232 | -12.6% |
| Texas | $2,216 | $376 | 20.4% |
| Utah | $1,362 | -$478 | -26.0% |
| Vermont | $1,258 | -$582 | -31.6% |
| Virginia | $1,102 | -$738 | -40.1% |
| Washington | $1,420 | -$420 | -22.8% |
| West Virginia | $1,686 | -$154 | -8.4% |
| Wisconsin | $1,274 | -$566 | -30.8% |
| Wyoming | $1,636 | -$204 | -11.1% |
Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates and see how they stack up. Every company uses a different rate calculation, so the rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Atlas Cross Sport | $332 | $714 | $598 | $1,882 |
| 2023 Volkswagen Atlas Cross Sport | $320 | $698 | $624 | $1,880 |
| 2022 Volkswagen Atlas Cross Sport | $310 | $668 | $644 | $1,860 |
| 2021 Volkswagen Atlas Cross Sport | $292 | $646 | $664 | $1,840 |
| 2020 Volkswagen Atlas Cross Sport | $282 | $598 | $676 | $1,794 |
Rates are averaged for all Volkswagen Atlas Cross Sport models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Cheap Volkswagen Atlas Cross Sport Insurance
Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having a good credit history, avoid buying unnecessary coverage, and bundling your home and auto policies. Spend time shopping around at every other renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The list below is a quick review of the concepts that were touched on above.
- Drivers with a DUI or reckless driving violation may be required to pay an average of $2,180 more each year for car insurance
- Teenagers pay the highest rates, costing up to $602 each month including comprehensive and collision insurance
- Drivers can save as much as $220 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $625 each year
- Drivers can save as much as $220 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,222 |
| 20 | $4,316 |
| 30 | $1,900 |
| 40 | $1,840 |
| 50 | $1,686 |
| 60 | $1,658 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,256 |
| $250 | $2,062 |
| $500 | $1,840 |
| $1,000 | $1,628 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,840 |
| 50/100 | $1,973 |
| 100/300 | $2,139 |
| 250/500 | $2,570 |
| 100 CSL | $2,039 |
| 300 CSL | $2,404 |
| 500 CSL | $2,670 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,266 |
| 20 | $6,888 |
| 30 | $4,086 |
| 40 | $4,024 |
| 50 | $3,848 |
| 60 | $3,814 |
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 | $96 |
| Multi-vehicle | $101 |
| Homeowner | $29 |
| 5-yr Accident Free | $133 |
| 5-yr Claim Free | $119 |
| Paid in Full/EFT | $80 |
| Advance Quote | $91 |
| Online Quote | $128 |
| Total Discounts | $777 |
Discounts are estimated and may not be available from every company or in every state.
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