Volkswagen Atlas Cross Sport Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Volkswagen Atlas Cross Sport are $1,860 every 12 months for full coverage. Comprehensive costs approximately $310, collision costs $668, and liability insurance is estimated at $644. Liability-only insurance costs approximately $726 a year, with high-risk driver insurance costing around $4,064. Teens pay the highest rates at $7,246 a year or more.
Average premium for full coverage: $1,860
Price estimates by individual coverage:
Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different Atlas Cross Sport trim levels.
Price Range from Low to High
For a driver in their 40's, Volkswagen Atlas Cross Sport insurance prices go from the cheapest price of $726 for just liability insurance to a much higher rate of $4,064 for a high-risk insurance policy.
Geographic Price Range
Living in a larger city has a significant impact on car insurance rates. Rural locations have more infrequent accident claims than cities with more traffic congestion.
The price range example below illustrates how location helps determine auto insurance prices.
The ranges above show why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than relying 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.
More Rate Details
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 average price for the average middle-age driver who chooses $500 deductibles is $1,860
- Selecting more expensive low deductibles for comp and collision coverage increases the price to $2,296
- High-risk insureds with serious driving violations could pay around $4,064 or more
- The price to insure a teen driver with full coverage can cost $7,246 each year
Car insurance prices for a Volkswagen Atlas Cross Sport are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Atlas Cross Sport.
Choosing higher comprehensive and collision insurance deductibles can save as much as $660 each year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $579 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles could pay as little as $1,700 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged in the ballpark of $7,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $2,200 to $3,100 extra each year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates
The state you live in 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% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices from as many companies as possible. Each auto insurer calculates prices differently, so rate quotes may be quite different.
| 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 Best Cheap Volkswagen Atlas Cross Sport Insurance
Getting lower rates on Volkswagen Atlas Cross Sport insurance takes avoiding accidents and claims, maintaining a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Invest time comparing rates at least every other year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a quick review of the car insurance concepts covered in the charts and tables above.
- High-risk drivers with a DUI or reckless driving violation may pay on average $2,200 more per year to insure a Volkswagen Atlas Cross Sport
- Drivers can save around $220 per year simply by shopping early and online
- Increasing physical damage deductibles could save as much as $650 each year
- Drivers who purchase increased liability limits will pay approximately $710 each year to raise limits from a low limit to a 250/500 level
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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