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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The average insurance rates for a Volkswagen Routan are $1,000 a year for full coverage insurance. Comprehensive costs approximately $194, collision costs $268, and liability is estimated at $402. A liability-only policy costs approximately $446 a year, with high-risk insurance costing around $2,148. 16-year-old drivers cost the most to insure at $3,878 a year or more.

Average premium for full coverage: $1,000

Policy rates by type of insurance:

Comprehensive $194
Collision $268
Liability $402

Prices include $500 deductible amounts, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different Routan trim levels.

Price Range Variability

For a driver around age 40, Volkswagen Routan insurance rates go from the low end price of $446 for just liability coverage to a much higher rate of $2,148 for a driver required to buy high-risk insurance.

Liability Only $446
Full Coverage $1,000
High Risk $2,148

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $750
Small Cities $1,050
Large Cities $1,350

The examples above illustrate why anyone shopping for car insurance should get quotes using their specific location, instead of 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.

Detailed Rate Analysis

The chart below illustrates estimated Volkswagen Routan insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $597
  • Choosing higher $1,000 deductibles can save $106 each year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,000
  • Buying more expensive low deductibles for comp and collision coverage bumps up the cost to $1,202
  • Unlucky drivers with multiple tickets or accidents could pay around $2,148 or more
  • Policy cost that insures a teen driver with full coverage can cost $3,878 each year

View Chart as Image

Volkswagen Routan insurance cost comparison chart
Column chart showing full coverage Volkswagen Routan insurance rates range from $597 to $3,878

Car insurance rates for a Volkswagen Routan also range considerably based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,200 to $1,700 extra every year, depending on your age. High-risk driver insurance ranges as much as 44% to 134% more than the average rate. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $3,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Volkswagen Routan insurance prices. A good driver about age 40 could pay as low as $650 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,350 on average in Florida, New York, and Michigan.

Volkswagen Routan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $904 -$96 -9.6%
Alaska $768 -$232 -23.2%
Arizona $830 -$170 -17.0%
Arkansas $1,000 -$0 0.0%
California $1,140 $140 14.0%
Colorado $954 -$46 -4.6%
Connecticut $1,028 $28 2.8%
Delaware $1,130 $130 13.0%
Florida $1,248 $248 24.8%
Georgia $926 -$74 -7.4%
Hawaii $718 -$282 -28.2%
Idaho $678 -$322 -32.2%
Illinois $746 -$254 -25.4%
Indiana $754 -$246 -24.6%
Iowa $674 -$326 -32.6%
Kansas $950 -$50 -5.0%
Kentucky $1,364 $364 36.4%
Louisiana $1,480 $480 48.0%
Maine $618 -$382 -38.2%
Maryland $826 -$174 -17.4%
Massachusetts $798 -$202 -20.2%
Michigan $1,736 $736 73.6%
Minnesota $838 -$162 -16.2%
Mississippi $1,198 $198 19.8%
Missouri $888 -$112 -11.2%
Montana $1,074 $74 7.4%
Nebraska $788 -$212 -21.2%
Nevada $1,200 $200 20.0%
New Hampshire $722 -$278 -27.8%
New Jersey $1,120 $120 12.0%
New Mexico $884 -$116 -11.6%
New York $1,054 $54 5.4%
North Carolina $576 -$424 -42.4%
North Dakota $822 -$178 -17.8%
Ohio $688 -$312 -31.2%
Oklahoma $1,024 $24 2.4%
Oregon $916 -$84 -8.4%
Pennsylvania $954 -$46 -4.6%
Rhode Island $1,334 $334 33.4%
South Carolina $906 -$94 -9.4%
South Dakota $844 -$156 -15.6%
Tennessee $874 -$126 -12.6%
Texas $1,204 $204 20.4%
Utah $740 -$260 -26.0%
Vermont $684 -$316 -31.6%
Virginia $598 -$402 -40.2%
Washington $770 -$230 -23.0%
West Virginia $916 -$84 -8.4%
Wisconsin $690 -$310 -31.0%
Wyoming $890 -$110 -11.0%

View Chart as Image

Volkswagen Routan insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $310 every year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates and see which company has the best rate. Each auto insurer utilizes a different rate formula, so rate quotes will be varied.

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 $922 $77
Volkswagen Routan SE 2WD $976 $81
Volkswagen Routan SEL 2WD $1,040 $87
Volkswagen Routan SEL Premium 6 Cyl 2WD $1,064 $89

Rates assume 2012 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 Right Volkswagen Routan Insurance

Finding cheaper rates on car insurance takes having a good driving record, having a positive credit history, being claim-free, and avoiding coverage lapses. Comparison shop at every policy renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The next list is a quick rundown of the data covered above.

  • Policyholders who purchase increased levels of liability coverage will pay around $440 annually to raise limits from a 30/60 limit to the 250/500 level
  • It is possible to save around $110 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles can save approximately $300 each year
  • Drivers age 20 and younger pay the highest auto insurance rates, possibly costing $323 each month if full coverage is purchased

Rates by Driver Age

Volkswagen Routan Insurance Rates by Driver Age
Driver Age Premium
16 $3,878
20 $2,278
30 $1,028
40 $1,000
50 $918
60 $898

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Routan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,202
$250 $1,110
$500 $1,000
$1,000 $894

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Routan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,000
50/100 $1,144
100/300 $1,245
250/500 $1,506
100 CSL $1,185
300 CSL $1,406
500 CSL $1,567

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Routan Insurance Rates for High Risk Drivers
Age Premium
16 $5,494
20 $3,624
30 $2,180
40 $2,148
50 $2,050
60 $2,030

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 $134

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $52
Multi-vehicle $53
Homeowner $17
5-yr Accident Free $65
5-yr Claim Free $63
Paid in Full/EFT $39
Advance Quote $45
Online Quote $69
Total Discounts $403
Rate after discounts $597

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

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