Volkswagen Routan Insurance Rates
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UPDATED: Jun 5, 2023
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Estimated insurance rates for a Volkswagen Routan are $1,320 a year for full coverage. Comprehensive insurance costs an estimated $336, collision costs $532, and liability is estimated at $316. A liability-only policy costs approximately $376 a year, with high-risk insurance costing $2,826 or more. Teen drivers pay the most at $4,716 a year or more.
Average premium for full coverage: $1,320
Premium estimates broken down by type of coverage:
Prices include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for all Routan models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Volkswagen Routan go from the low end price of $376 for just liability coverage to the much higher price of $2,826 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city can make a big difference on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than larger metro areas.
The example below illustrates how rural and urban location affects insurance prices.
These rate differences show why everyone should get quotes for a targeted area, instead of making a decision based 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.
Detailed Rate Analysis
The chart below shows estimated Volkswagen Routan insurance rates for other coverage scenarios.
- The lowest rate with discounts is $760
- Choosing higher $1,000 deductibles can save approximately $200 a year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,320
- Choosing pricier low deductibles for comp and collision coverage will cost an additional $378 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,826 or more
- An auto insurance policy that insures a 16-year-old driver for full coverage can cost as much as $4,716 each year
Auto insurance prices for a Volkswagen Routan also have a wide range based on the model of your Routan, how you drive, and liability limits and deductibles.
If you have a few violations or you caused an accident, you could be paying $1,500 to $2,100 in extra premium annually, depending on your age. Volkswagen Routan insurance for high-risk drivers ranges from 45% to 127% more than average. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay at least $4,700 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Volkswagen Routan insurance prices. A good driver about age 40 could pay as low as $870 a year in states like Iowa, Maine, and Idaho, or as much as $1,880 on average in New York, Louisiana, 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% |
Choosing high deductibles can save as much as $580 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $285 extra every year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices from multiple companies. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different.
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 2025 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 | $190 | $244 | $406 | $976 |
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 Right Volkswagen Routan Insurance
Finding better rates on insurance for a Volkswagen Routan takes avoiding accidents and claims, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Shop around at least once a year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
The points below are a quick rundown of the primary concepts that were raised in the charts and tables above.
- Drivers can save approximately $160 per year simply by quoting online well ahead of the renewal date
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,510 more annually to insure a Volkswagen Routan
- Increasing policy deductibles can save approximately $575 each year
- Drivers under the age of 20 are the costliest to insure, as much as $393 per month if the policy includes full coverage
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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