Volkswagen Routan Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Jun 5, 2023
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U.S. average insurance rates for a Volkswagen Routan are $1,320 a year for full coverage insurance. Comprehensive costs approximately $336 each year, collision costs $532, and liability coverage is estimated at $316. Buying just liability costs approximately $376 a year, with insurance for high-risk drivers costing around $2,826. 16-year-old drivers pay the highest rates at $4,716 a year or more.
Average premium for full coverage: $1,320
Price estimates by individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and Routan models.
Price Range from Low to High
For the average 40-year-old driver, Volkswagen Routan insurance prices go from as low as $376 for liability-only coverage to a high rate of $2,826 for high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than congested cities.
The graphic below illustrates the difference location can make on auto insurance prices.
The ranges above illustrate why all drivers should get quotes using their specific location and risk profile, rather than using rate 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 Charts and Tables
The chart below illustrates estimated Volkswagen Routan insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $760
- Choosing higher $1,000 deductibles can save $200 each year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,320
- Buying low deductibles for comp and collision coverage will increase the cost to $1,698
- Drivers with multiple tickets or accidents could pay around $2,826 or more
- The price for full coverage for a teenage driver can cost $4,716 each year
Insurance prices for a Volkswagen Routan are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age
The state you live in plays a big part in determining prices for Volkswagen Routan insurance rates. A good driver about age 40 could pay as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,780 on average in Florida, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles can save as much as $580 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $285 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers ranges around 45% to 127% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, and prices may be quite different from one company to the next.
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 Find the Best Volkswagen Routan Insurance
Getting lower rates on auto insurance takes having a decent driving record, having a good credit history, not filing small claims, and qualifying for all possible discounts. Make time to compare rates every couple of years by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following items are a brief recap of the material that was touched on in this article.
- Consumers who purchase additional liability coverage will pay around $350 annually to raise limits from a low limit to 250/500 limits
- 16 to 18-year-old drivers are the costliest to insure, as much as $393 a month including comprehensive and collision insurance
- Drivers who tend to receive serious violations may pay on average $1,510 more per year than a driver with a clean driving record
- Increasing physical damage deductibles can save around $575 each year
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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