Volkswagen Routan Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 5, 2023
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U.S. average auto insurance rates for a Volkswagen Routan are $1,320 annually with full coverage. Comprehensive insurance costs approximately $336, collision insurance costs $532, and liability is $316. Liability-only coverage costs around $376 a year, and high-risk coverage costs $2,826 or more. Teen drivers pay the highest rates at up to $4,716 a year.
Average premium for full coverage: $1,320
Price estimates by individual coverage:
Includes $500 deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different Routan trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Volkswagen Routan insurance prices range from as cheap as $376 for basic liability insurance to a much higher rate of $2,826 for a policy for a high-risk driver.
Geographic Price Range
Choosing to live in a large city can have significant affects on the price of insurance. Rural locations have fewer collision claims than larger metro areas. The price range example below illustrates how where you live affects auto insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, instead of using 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.
Rate Comparisons
The chart below details average Volkswagen Routan insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $760
- Raising to $1,000 deductibles will save $200 annually
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,320
- Choosing more expensive low deductibles costs an additional $378 every year
- At-risk drivers with multiple violations and an at-fault accident could pay around $2,826
- The price with full coverage for a teen driver with full coverage can cost $4,716
Auto insurance prices for a Volkswagen Routan are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.
An older driver with a good driving record and high physical damage deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 45% to 127% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $580 every year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $285 extra every year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Volkswagen Routan insurance prices. A middle-age driver might find prices as low as $950 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,780 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,190 | -$130 | -9.8% |
| Alaska | $1,012 | -$308 | -23.3% |
| Arizona | $1,094 | -$226 | -17.1% |
| Arkansas | $1,320 | -$0 | 0.0% |
| California | $1,502 | $182 | 13.8% |
| Colorado | $1,258 | -$62 | -4.7% |
| Connecticut | $1,354 | $34 | 2.6% |
| Delaware | $1,492 | $172 | 13.0% |
| Florida | $1,646 | $326 | 24.7% |
| Georgia | $1,220 | -$100 | -7.6% |
| Hawaii | $948 | -$372 | -28.2% |
| Idaho | $894 | -$426 | -32.3% |
| Illinois | $982 | -$338 | -25.6% |
| Indiana | $992 | -$328 | -24.8% |
| Iowa | $890 | -$430 | -32.6% |
| Kansas | $1,250 | -$70 | -5.3% |
| Kentucky | $1,800 | $480 | 36.4% |
| Louisiana | $1,952 | $632 | 47.9% |
| Maine | $814 | -$506 | -38.3% |
| Maryland | $1,088 | -$232 | -17.6% |
| Massachusetts | $1,050 | -$270 | -20.5% |
| Michigan | $2,290 | $970 | 73.5% |
| Minnesota | $1,104 | -$216 | -16.4% |
| Mississippi | $1,580 | $260 | 19.7% |
| Missouri | $1,170 | -$150 | -11.4% |
| Montana | $1,416 | $96 | 7.3% |
| Nebraska | $1,038 | -$282 | -21.4% |
| Nevada | $1,582 | $262 | 19.8% |
| New Hampshire | $952 | -$368 | -27.9% |
| New Jersey | $1,474 | $154 | 11.7% |
| New Mexico | $1,164 | -$156 | -11.8% |
| New York | $1,388 | $68 | 5.2% |
| North Carolina | $758 | -$562 | -42.6% |
| North Dakota | $1,082 | -$238 | -18.0% |
| Ohio | $908 | -$412 | -31.2% |
| Oklahoma | $1,352 | $32 | 2.4% |
| Oregon | $1,210 | -$110 | -8.3% |
| Pennsylvania | $1,256 | -$64 | -4.8% |
| Rhode Island | $1,760 | $440 | 33.3% |
| South Carolina | $1,196 | -$124 | -9.4% |
| South Dakota | $1,112 | -$208 | -15.8% |
| Tennessee | $1,154 | -$166 | -12.6% |
| Texas | $1,590 | $270 | 20.5% |
| Utah | $976 | -$344 | -26.1% |
| Vermont | $902 | -$418 | -31.7% |
| Virginia | $790 | -$530 | -40.2% |
| Washington | $1,016 | -$304 | -23.0% |
| West Virginia | $1,210 | -$110 | -8.3% |
| Wisconsin | $912 | -$408 | -30.9% |
| Wyoming | $1,174 | -$146 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volkswagen Routan S 2WD | $1,170 | $98 |
| Volkswagen Routan SE 2WD | $1,274 | $106 |
| Volkswagen Routan SEL 2WD | $1,394 | $116 |
| Volkswagen Routan SEL Premium 6 Cyl 2WD | $1,440 | $120 |
Rates assume 2026 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Volkswagen Routan | $176 | $222 | $402 | $936 |
Rates are averaged for all Volkswagen Routan 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 the Cheapest Volkswagen Routan Insurance
Getting lower rates on car insurance consists of not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to comparison shop every year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following is a recap of the coverage data touched on in the above illustrations.
- You may be able to save around $160 per year just by shopping early and online
- Increasing physical damage deductibles could save up to $575 each year
- Teens have the highest car insurance prices, costing up to $393 a month if full coverage is included
- Higher risk drivers that have major violations or accidents may pay on average $1,510 more per year for Routan insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,716 |
| 20 | $3,000 |
| 30 | $1,386 |
| 40 | $1,320 |
| 50 | $1,202 |
| 60 | $1,178 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,698 |
| $250 | $1,524 |
| $500 | $1,320 |
| $1,000 | $1,120 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,320 |
| 50/100 | $1,503 |
| 100/300 | $1,582 |
| 250/500 | $1,788 |
| 100 CSL | $1,535 |
| 300 CSL | $1,709 |
| 500 CSL | $1,835 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,750 |
| 20 | $4,760 |
| 30 | $2,898 |
| 40 | $2,826 |
| 50 | $2,688 |
| 60 | $2,662 |
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 | $71 |
| Multi-vehicle | $66 |
| Homeowner | $18 |
| 5-yr Accident Free | $98 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $62 |
| Advance Quote | $65 |
| Online Quote | $95 |
| Total Discounts | $560 |
Discounts are estimated and may not be available from every company or in every state.
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