Volkswagen Atlas Insurance Rates

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UPDATED: Apr 16, 2024

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Volkswagen Atlas insurance

The average insurance rates for a Volkswagen Atlas are $1,476 a year for full coverage. Comprehensive costs around $292, collision costs $574, and liability coverage is estimated at $452. Buying just liability costs approximately $504 a year, with insurance for high-risk drivers costing around $3,212. Teens cost the most to insure at $5,564 a year or more.

Average premium for full coverage: $1,476

Policy rates for type of insurance:

Comprehensive $292
Collision $574
Liability $452

Full coverage includes $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all Atlas models.

Price Range Variability

For a driver around age 40, Volkswagen Atlas insurance rates go from as low as $504 for minimum levels of liability insurance to the much higher price of $3,212 for a driver who requires high-risk insurance.

Liability Only $504
Full Coverage $1,476
High Risk $3,212

Urban vs. Rural Price Range

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $1,107
Small Cities $1,550
Large Cities $1,993

The examples above show why everyone should get quotes for a specific zip code and risk profile, 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 Details

The chart below shows estimated Volkswagen Atlas insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $841
  • Choosing higher $1,000 deductibles can save about $196 a year
  • The average rate for a good driver age 40 using $500 deductibles is $1,476
  • Selecting pricier low deductibles for comp and collision coverage will increase the cost to $1,860
  • Drivers with serious driving violations could pay at least $3,212 or more
  • Policy cost for full coverage for a teenage driver for full coverage can be $5,564 each year

View Chart as Image

Volkswagen Atlas insurance cost comparison chart
Column chart showing full coverage Volkswagen Atlas insurance rates range from $841 to $5,564

Insurance rates for a Volkswagen Atlas also range considerably based on your risk profile, the trim level of your Atlas, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $5,500 a year. View Rates by Age

Your home state plays a big part in determining prices for Volkswagen Atlas insurance rates. A good driver about age 40 could pay as low as $970 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,100 on average in Michigan, Louisiana, and New York.

Volkswagen Atlas Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,334 -$142 -9.6%
Alaska $1,132 -$344 -23.3%
Arizona $1,224 -$252 -17.1%
Arkansas $1,476 -$0 0.0%
California $1,680 $204 13.8%
Colorado $1,408 -$68 -4.6%
Connecticut $1,518 $42 2.8%
Delaware $1,670 $194 13.1%
Florida $1,846 $370 25.1%
Georgia $1,362 -$114 -7.7%
Hawaii $1,060 -$416 -28.2%
Idaho $998 -$478 -32.4%
Illinois $1,100 -$376 -25.5%
Indiana $1,110 -$366 -24.8%
Iowa $996 -$480 -32.5%
Kansas $1,402 -$74 -5.0%
Kentucky $2,012 $536 36.3%
Louisiana $2,184 $708 48.0%
Maine $910 -$566 -38.3%
Maryland $1,216 -$260 -17.6%
Massachusetts $1,180 -$296 -20.1%
Michigan $2,562 $1,086 73.6%
Minnesota $1,234 -$242 -16.4%
Mississippi $1,768 $292 19.8%
Missouri $1,308 -$168 -11.4%
Montana $1,584 $108 7.3%
Nebraska $1,164 -$312 -21.1%
Nevada $1,770 $294 19.9%
New Hampshire $1,064 -$412 -27.9%
New Jersey $1,650 $174 11.8%
New Mexico $1,306 -$170 -11.5%
New York $1,554 $78 5.3%
North Carolina $850 -$626 -42.4%
North Dakota $1,208 -$268 -18.2%
Ohio $1,020 -$456 -30.9%
Oklahoma $1,514 $38 2.6%
Oregon $1,352 -$124 -8.4%
Pennsylvania $1,408 -$68 -4.6%
Rhode Island $1,970 $494 33.5%
South Carolina $1,336 -$140 -9.5%
South Dakota $1,244 -$232 -15.7%
Tennessee $1,292 -$184 -12.5%
Texas $1,780 $304 20.6%
Utah $1,092 -$384 -26.0%
Vermont $1,010 -$466 -31.6%
Virginia $882 -$594 -40.2%
Washington $1,140 -$336 -22.8%
West Virginia $1,352 -$124 -8.4%
Wisconsin $1,022 -$454 -30.8%
Wyoming $1,314 -$162 -11.0%

View Chart as Image

Volkswagen Atlas insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $580 a year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,800 to $2,400 extra every year, depending on your age. Volkswagen Atlas insurance for high-risk drivers ranges around 43% to 136% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to regularly compare rates and see how they stack up. Each auto insurer calculates rates differently, so the rates will be varied from one company to the next.

Volkswagen Atlas Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Volkswagen Atlas $358 $690 $390 $1,596
2023 Volkswagen Atlas $344 $686 $398 $1,586
2022 Volkswagen Atlas $332 $668 $416 $1,574
2021 Volkswagen Atlas $320 $640 $430 $1,548
2020 Volkswagen Atlas $304 $618 $442 $1,522
2019 Volkswagen Atlas $292 $574 $452 $1,476
2018 Volkswagen Atlas $280 $540 $456 $1,434

Rates are averaged for all Volkswagen Atlas 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 More Affordable Volkswagen Atlas Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to compare rates at every other renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following is a summary of the concepts that were covered above.

  • Drivers who have multiple accidents or major violations may be required to pay an average of $1,740 more every year for Atlas insurance
  • Teens pay higher rates, costing up to $464 each month for full coverage
  • Drivers can save up to $180 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save around $575 each year
  • Drivers can save up to $180 per year simply by quoting online well ahead of the renewal date

Rates by Driver Age

Volkswagen Atlas Insurance Rates by Driver Age
Driver Age Premium
16 $5,564
20 $3,430
30 $1,536
40 $1,476
50 $1,348
60 $1,324

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Atlas Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,860
$250 $1,680
$500 $1,476
$1,000 $1,280

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Atlas Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,476
50/100 $1,566
100/300 $1,679
250/500 $1,973
100 CSL $1,612
300 CSL $1,860
500 CSL $2,041

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Atlas Insurance Rates for High Risk Drivers
Age Premium
16 $7,950
20 $5,468
30 $3,280
40 $3,212
50 $3,070
60 $3,042

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.

SR-22 Surcharge $211

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $79
Multi-vehicle $79
Homeowner $22
5-yr Accident Free $111
5-yr Claim Free $97
Paid in Full/EFT $68
Advance Quote $74
Online Quote $105
Total Discounts $635
Rate after discounts $841

Discounts are estimated and may not be available from every company or in every state.

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