Volkswagen Atlas Cross Sport Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Volkswagen Atlas Cross Sport are $1,840 annually for full coverage insurance. Comprehensive costs an estimated $292 a year, collision costs $646, and liability insurance is $664. A liability-only policy costs around $744 a year, with high-risk insurance costing around $4,024. Teen drivers receive the highest rates at $7,222 a year or more.
Average premium for full coverage: $1,840
Rate estimates broken down by individual coverage type:
Full coverage includes $500 physical damage deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Atlas Cross Sport trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $744 for just the minimum liability insurance to a high of $4,024 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. More rural locations tend to have fewer physical damage claims than larger metro areas.
The diagram below illustrates the difference location can make on insurance prices.
These examples illustrate why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than relying on 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 illustrates estimated Volkswagen Atlas Cross Sport insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,063
- Raising to $1,000 deductibles will save approximately $1,628 each year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,840
- Choosing low $100 deductibles will cost $2,256
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $4,024 or more
- The cost with full coverage for a teen driver can cost as much as $7,222
Insurance rates for a Volkswagen Atlas Cross Sport can also vary considerably based on the trim level of your Atlas Cross Sport, your risk profile, and liability limits and deductibles.
Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,700 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $7,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying $2,200 to $3,100 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $630 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $597 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Volkswagen Atlas Cross Sport insurance rates. A middle-age driver might find rates as low as $1,200 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,480 on average in Florida, New York, and Michigan.
| 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% |
With so much variability in rates, the only way to figure out which company is cheapest is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, so the rates can be significantly different 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 More Affordable Volkswagen Atlas Cross Sport Insurance
Saving money on Volkswagen Atlas Cross Sport insurance consists of being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Make time to compare rates at every policy renewal by quoting rates from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
Below is a summary of the data touched on in this article.
- Drivers who want higher levels of liability will pay about $730 annually to raise from a minimum limit to higher 250/500 limits
- It is possible to save approximately $220 per year simply by quoting early and online
- Increasing deductibles could save up to $625 each year
- Teenage drivers are charged the highest rates, costing up to $602 per month including comprehensive and collision insurance
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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