Volkswagen Atlas Cross Sport Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance prices for a Volkswagen Atlas Cross Sport are $1,860 every 12 months with full coverage. Comprehensive costs approximately $310 a year, collision costs $668, and liability is $644. Liability-only coverage costs around $726 a year, with high-risk coverage 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:
Includes $500 deductible amounts, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and 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 cheapest price of $726 for just liability coverage to a high of $4,064 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are shown to have more infrequent collision claims than cities with more traffic congestion.
The diagram below illustrates how rural and urban location affects auto insurance prices.
The examples above demonstrate why it is important to compare rates quotes using their specific location and their own driving history, instead of making a decision based on 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.
Detailed Rate Analysis
The chart below details estimated Volkswagen Atlas Cross Sport insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $1,074
- Raising to $1,000 deductibles will save $1,640 annually
- The average price for a good driver age 40 who chooses $500 deductibles is $1,860
- Selecting low $100 deductibles increases the price to $2,296
- Drivers with serious driving violations could pay around $4,064 or more
- Policy cost to insure a 16-year-old driver can cost $7,246
Insurance rates for a Volkswagen Atlas Cross Sport also range considerably based on liability limits and deductibles, your driving record, and the model of your Atlas Cross Sport.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $660 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $579 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as low as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $7,200 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $2,200 to $3,100 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 131% more than the average policy. View High Risk Driver Rates
Your home state also has a big influence on Volkswagen Atlas Cross Sport insurance prices. A middle-age driver might find rates as low as $1,340 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,510 on average in New York, Michigan, and Florida.
| 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% |
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Every auto insurance company calculates rates differently, and rates 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 Shop for the Cheapest Volkswagen Atlas Cross Sport Insurance
Finding cheaper rates on insurance for a Volkswagen Atlas Cross Sport consists of having a good driving record, having above-average credit, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around at every policy renewal by getting quotes from direct companies, and also from insurance agencies where you live.
The next list is a recap of the data raised in the charts and tables above.
- Insureds who purchase increased levels of liability coverage will pay approximately $710 every year to raise from a 30/60 limit to a 250/500 level
- You may be able to save around $220 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $650 each year
- Drivers age 20 and younger are the costliest to insure, as much as $604 each month if full coverage is included
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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