Volkswagen Atlas Cross Sport Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Volkswagen Atlas Cross Sport are $1,860 a year for full coverage. Comprehensive costs approximately $310, collision costs $668, and liability coverage is estimated at $644. A liability-only policy costs approximately $726 a year, with high-risk insurance costing around $4,064. Teens cost the most to insure at $7,246 a year or more.
Average premium for full coverage: $1,860
Policy rates by type of insurance:
These estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different Atlas Cross Sport trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Volkswagen Atlas Cross Sport insurance rates go from the low end price of $726 for the bare minimum liability coverage to a much higher rate of $4,064 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on car insurance rates. Rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects auto insurance prices.
The examples above show why anyone shopping for car insurance should get quotes using their specific location, rather than 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.
Additional Rate Information
The chart below shows estimated Volkswagen Atlas Cross Sport insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $1,074
- Choosing higher $1,000 deductibles can save $220 a year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,860
- Selecting more expensive low deductibles for comp and collision coverage bumps up the cost to $2,296
- Drivers with serious driving violations could pay around $4,064 or more
- Policy cost that insures a teenage driver with full coverage can cost $7,246 each year
Car insurance rates for a Volkswagen Atlas Cross Sport also range considerably based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $2,200 to $3,100 extra every year, depending on your age. High-risk driver insurance ranges around 43% to 131% more than the average policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,700 annually on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $7,200 a year. View Rates by Age
Your home state plays a big part in determining prices for Volkswagen Atlas Cross Sport insurance rates. A good driver about age 40 could pay as low as $1,230 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,650 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,682 | -$178 | -9.6% |
| Alaska | $1,426 | -$434 | -23.3% |
| Arizona | $1,540 | -$320 | -17.2% |
| Arkansas | $1,860 | -$0 | 0.0% |
| California | $2,120 | $260 | 14.0% |
| Colorado | $1,776 | -$84 | -4.5% |
| Connecticut | $1,910 | $50 | 2.7% |
| Delaware | $2,104 | $244 | 13.1% |
| Florida | $2,324 | $464 | 24.9% |
| Georgia | $1,718 | -$142 | -7.6% |
| Hawaii | $1,334 | -$526 | -28.3% |
| Idaho | $1,260 | -$600 | -32.3% |
| Illinois | $1,386 | -$474 | -25.5% |
| Indiana | $1,404 | -$456 | -24.5% |
| Iowa | $1,256 | -$604 | -32.5% |
| Kansas | $1,766 | -$94 | -5.1% |
| Kentucky | $2,536 | $676 | 36.3% |
| Louisiana | $2,756 | $896 | 48.2% |
| Maine | $1,148 | -$712 | -38.3% |
| Maryland | $1,536 | -$324 | -17.4% |
| Massachusetts | $1,486 | -$374 | -20.1% |
| Michigan | $3,228 | $1,368 | 73.5% |
| Minnesota | $1,558 | -$302 | -16.2% |
| Mississippi | $2,226 | $366 | 19.7% |
| Missouri | $1,652 | -$208 | -11.2% |
| Montana | $1,998 | $138 | 7.4% |
| Nebraska | $1,466 | -$394 | -21.2% |
| Nevada | $2,228 | $368 | 19.8% |
| New Hampshire | $1,338 | -$522 | -28.1% |
| New Jersey | $2,078 | $218 | 11.7% |
| New Mexico | $1,648 | -$212 | -11.4% |
| New York | $1,960 | $100 | 5.4% |
| North Carolina | $1,070 | -$790 | -42.5% |
| North Dakota | $1,524 | -$336 | -18.1% |
| Ohio | $1,284 | -$576 | -31.0% |
| Oklahoma | $1,908 | $48 | 2.6% |
| Oregon | $1,704 | -$156 | -8.4% |
| Pennsylvania | $1,774 | -$86 | -4.6% |
| Rhode Island | $2,480 | $620 | 33.3% |
| South Carolina | $1,686 | -$174 | -9.4% |
| South Dakota | $1,570 | -$290 | -15.6% |
| Tennessee | $1,626 | -$234 | -12.6% |
| Texas | $2,240 | $380 | 20.4% |
| Utah | $1,374 | -$486 | -26.1% |
| Vermont | $1,272 | -$588 | -31.6% |
| Virginia | $1,114 | -$746 | -40.1% |
| Washington | $1,436 | -$424 | -22.8% |
| West Virginia | $1,704 | -$156 | -8.4% |
| Wisconsin | $1,288 | -$572 | -30.8% |
| Wyoming | $1,658 | -$202 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $660 a year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $579 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates and see how they stack up. Each auto insurer calculates rates differently, so rate quotes will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Atlas Cross Sport | $346 | $720 | $584 | $1,888 |
| 2023 Volkswagen Atlas Cross Sport | $332 | $714 | $598 | $1,882 |
| 2022 Volkswagen Atlas Cross Sport | $320 | $698 | $624 | $1,880 |
| 2021 Volkswagen Atlas Cross Sport | $310 | $668 | $644 | $1,860 |
| 2020 Volkswagen Atlas Cross Sport | $292 | $646 | $664 | $1,840 |
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 Find Cheap Volkswagen Atlas Cross Sport Insurance
Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having a positive credit history, avoid buying unnecessary coverage, and avoiding coverage lapses. Compare rates at every other renewal by getting rate quotes from direct carriers, and also from insurance agencies where you live.
The following is a brief summary of the concepts that were raised in the charts and tables above.
- Drivers that tend to have accidents or serious violations could be forced to pay on average $2,200 more per year for Atlas Cross Sport insurance
- Teens pay the highest auto insurance rates, costing up to $604 each month if full coverage is purchased
- Drivers can save around $220 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $650 each year
- Drivers can save around $220 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,246 |
| 20 | $4,358 |
| 30 | $1,924 |
| 40 | $1,860 |
| 50 | $1,706 |
| 60 | $1,676 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,296 |
| $250 | $2,090 |
| $500 | $1,860 |
| $1,000 | $1,640 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,860 |
| 50/100 | $1,989 |
| 100/300 | $2,150 |
| 250/500 | $2,568 |
| 100 CSL | $2,053 |
| 300 CSL | $2,407 |
| 500 CSL | $2,665 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,304 |
| 20 | $6,948 |
| 30 | $4,130 |
| 40 | $4,064 |
| 50 | $3,882 |
| 60 | $3,848 |
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 | $97 |
| Multi-vehicle | $101 |
| Homeowner | $29 |
| 5-yr Accident Free | $135 |
| 5-yr Claim Free | $120 |
| Paid in Full/EFT | $82 |
| Advance Quote | $92 |
| Online Quote | $130 |
| Total Discounts | $786 |
Discounts are estimated and may not be available from every company or in every state.
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