Volkswagen Routan Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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U.S. average insurance rates for a Volkswagen Routan are $1,320 a year with full coverage. Comprehensive costs an estimated $336, collision insurance costs $532, and liability insurance costs $316. Liability-only coverage costs as little as $376 a year, and high-risk coverage costs around $2,826. 16-year-old drivers pay the highest rates at up to $4,716 a year.

Average premium for full coverage: $1,320

Price estimates broken down by individual coverage:

Comprehensive $336
Collision $532
Liability $316

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Routan models.

Price Range from Low to High

Using a middle-aged driver as an example, Volkswagen Routan insurance prices range from the low end price of $376 for liability-only coverage to the much higher price of $2,826 for a driver who requires high-risk insurance.

Liability Only $376
Full Coverage $1,320
High Risk $2,826

Geographic Price Range

Your location has a significant impact on car insurance rates. More rural locations have lower incidents of collision claims than congested cities. The example below illustrates how where you live affects insurance prices.

Rural Areas $990
Small Cities $1,386
Large Cities $1,782

The ranges above demonstrate why everyone should compare rates for a targeted area, rather than relying on 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 details average Volkswagen Routan insurance rates for other coverage scenarios.

  • The best full coverage rate is $760
  • Drivers who choose higher $1,000 deductibles will pay approximately $200 annually
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,320
  • Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,698
  • High risk drivers with multiple tickets or accidents could pay up to $2,826
  • The price that insures a teen driver for full coverage can cost as much as $4,716 a year

View Chart as Image

Volkswagen Routan insurance cost comparison chart
Column chart showing Volkswagen Routan insurance rates range from $760 to $4,716 for full coverage

Auto insurance prices for a Volkswagen Routan are also quite variable based on the model of your Routan, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,500 to $2,100 in extra premium each year, depending on your age. Volkswagen Routan insurance for high-risk drivers can cost anywhere from 45% to 127% more than the average rate. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $4,700 a year. View Rates by Age

The state you live in makes a big difference in Volkswagen Routan insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Utah, Ohio, and New Hampshire, or at least $1,780 on average in New York, Michigan, and Florida.

Volkswagen Routan Insurance Rates by State
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%

View Chart as Image

Volkswagen Routan insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $580 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $285 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Volkswagen Routan Insurance Rates by Model and Trim Level
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 2024 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.

Volkswagen Routan Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2012 Volkswagen Routan $194 $268 $402 $1,000

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 Cheap Volkswagen Routan Insurance

Getting lower rates on Volkswagen Routan insurance not only requires being safe and accident-free, but also maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Comparison shop at every other renewal by getting rate quotes from direct companies, and also from insurance agencies where you live.

Below you'll find a quick review of the concepts that were touched on in the above illustrations.

  • High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,510 more annually than a low-risk driver
  • Youthful drivers are the costliest to insure, costing up to $393 a month if the policy includes full coverage
  • You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save approximately $575 each year
  • You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Volkswagen Routan Insurance 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

Volkswagen Routan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,698
$250 $1,524
$500 $1,320
$1,000 $1,120

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Routan Insurance Rates with Different Liability Limits
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

Volkswagen Routan Insurance 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.

SR-22 Surcharge $179

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
Rate after discounts $760

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

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