Volkswagen Routan Insurance Rates
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Michelle Robbins
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UPDATED: Jun 5, 2023
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The average insurance prices for a Volkswagen Routan are $1,320 every 12 months with full coverage. Comprehensive costs on average $336 a year, collision costs $532, and liability is $316. Liability-only coverage costs around $376 a year, with high-risk coverage costing around $2,826. Teens cost the most to insure at $4,716 a year or more.
Average premium for full coverage: $1,320
Policy rates by type of insurance:
Includes $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Routan trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Volkswagen Routan insurance rates go from the cheapest price of $376 for minimum levels of liability insurance to a high of $2,826 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas are shown to have more infrequent collision claims than cities with more traffic congestion.
The diagram below illustrates how rural and urban location affects car insurance rates.
The examples above demonstrate why it is important to compare rates quotes based on a specific location and their own driving history, instead of 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 details estimated Volkswagen Routan insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $760
- Raising to $1,000 deductibles will save around $1,120 annually
- The average price for a good driver age 40 with $500 deductibles is $1,320
- Selecting low $100 deductibles increases the price to $1,698
- At-risk drivers with serious driving violations could pay upwards of $2,826 or more
- Policy cost to insure a teen driver may cost $4,716
Insurance rates for a Volkswagen Routan also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Routan.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $580 every year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $285 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 45% to 127% more than the average policy. View High Risk Driver Rates
Your home state also has a big influence on Volkswagen Routan insurance prices. A middle-age driver might find rates as low as $950 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,780 on average in Florida, Michigan, and New York.
| 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% |
Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes and see which company has the best rate. Every auto insurance company calculates rates differently, and rates will be varied.
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 Shop for the Cheapest Volkswagen Routan Insurance
Finding cheaper rates on car insurance consists of being safe and accident-free, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around once a year by getting rate quotes from direct companies, and also from local exclusive and independent agents.
Below you'll find a recap of the data that was raised in the charts and tables above.
- You may be able to save as much as $160 per year simply by quoting early and online
- Policyholders who require more liability protection will pay approximately $350 every year to raise from a 30/60 limit to a 250/500 level
- Youthful drivers pay higher rates, as much as $393 each month if full coverage is included
- Higher risk drivers that have major violations or accidents may pay on average $1,510 more each year than a low-risk driver
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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