Volkswagen Taos Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Volkswagen Taos are $1,186 annually including full coverage. Comprehensive insurance costs on average $260 each year, collision costs $436, and liability insurance costs around $354. Liability-only coverage costs as low as $406 a year, with high-risk coverage costing $2,556 or more. Teens cost the most to insure at $4,408 a year or more.
Average premium for full coverage: $1,186
Policy rates by type of insurance:
Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Taos models.
Price Range Variability
For a driver in their 40's, Volkswagen Taos insurance rates go from as cheap as $406 for the bare minimum liability coverage to a high rate of $2,556 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates how location helps determine car insurance rates.
The examples above highlight why all drivers should compare prices based on a specific location and their own personal driving habits, rather than relying on 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 Information
The chart below breaks down estimated Volkswagen Taos insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $687
- Using higher $1,000 deductibles will save around $158 every year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,186
- Selecting low deductibles for physical damage coverage costs an additional $306 a year
- Drivers with serious driving violations could pay upwards of $2,556 or more
- Policy cost with full coverage for a teen driver may cost $4,408 or more
Insurance rates for a Volkswagen Taos also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.
More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,400 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $470 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $318 more each year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Volkswagen Taos insurance rates. A driver around age 40 might see rates as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,690 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,070 | -$116 | -9.8% |
| Alaska | $910 | -$276 | -23.3% |
| Arizona | $984 | -$202 | -17.0% |
| Arkansas | $1,186 | -$0 | 0.0% |
| California | $1,352 | $166 | 14.0% |
| Colorado | $1,130 | -$56 | -4.7% |
| Connecticut | $1,218 | $32 | 2.7% |
| Delaware | $1,340 | $154 | 13.0% |
| Florida | $1,480 | $294 | 24.8% |
| Georgia | $1,096 | -$90 | -7.6% |
| Hawaii | $852 | -$334 | -28.2% |
| Idaho | $804 | -$382 | -32.2% |
| Illinois | $884 | -$302 | -25.5% |
| Indiana | $894 | -$292 | -24.6% |
| Iowa | $798 | -$388 | -32.7% |
| Kansas | $1,124 | -$62 | -5.2% |
| Kentucky | $1,616 | $430 | 36.3% |
| Louisiana | $1,754 | $568 | 47.9% |
| Maine | $732 | -$454 | -38.3% |
| Maryland | $978 | -$208 | -17.5% |
| Massachusetts | $944 | -$242 | -20.4% |
| Michigan | $2,058 | $872 | 73.5% |
| Minnesota | $994 | -$192 | -16.2% |
| Mississippi | $1,420 | $234 | 19.7% |
| Missouri | $1,052 | -$134 | -11.3% |
| Montana | $1,274 | $88 | 7.4% |
| Nebraska | $932 | -$254 | -21.4% |
| Nevada | $1,422 | $236 | 19.9% |
| New Hampshire | $854 | -$332 | -28.0% |
| New Jersey | $1,326 | $140 | 11.8% |
| New Mexico | $1,048 | -$138 | -11.6% |
| New York | $1,248 | $62 | 5.2% |
| North Carolina | $684 | -$502 | -42.3% |
| North Dakota | $972 | -$214 | -18.0% |
| Ohio | $818 | -$368 | -31.0% |
| Oklahoma | $1,214 | $28 | 2.4% |
| Oregon | $1,086 | -$100 | -8.4% |
| Pennsylvania | $1,130 | -$56 | -4.7% |
| Rhode Island | $1,580 | $394 | 33.2% |
| South Carolina | $1,076 | -$110 | -9.3% |
| South Dakota | $1,000 | -$186 | -15.7% |
| Tennessee | $1,038 | -$148 | -12.5% |
| Texas | $1,430 | $244 | 20.6% |
| Utah | $878 | -$308 | -26.0% |
| Vermont | $810 | -$376 | -31.7% |
| Virginia | $710 | -$476 | -40.1% |
| Washington | $916 | -$270 | -22.8% |
| West Virginia | $1,086 | -$100 | -8.4% |
| Wisconsin | $818 | -$368 | -31.0% |
| Wyoming | $1,054 | -$132 | -11.1% |
Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company calculates rates differently, and rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Taos | $270 | $448 | $338 | $1,192 |
| 2023 Volkswagen Taos | $260 | $436 | $354 | $1,186 |
| 2022 Volkswagen Taos | $250 | $418 | $364 | $1,168 |
Rates are averaged for all Volkswagen Taos models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheaper Volkswagen Taos Insurance
Finding cheaper rates on Volkswagen Taos insurance requires avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest time comparing rates every other policy renewal by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a condensed summary of the ideas that were covered in the charts and tables above.
- Teenagers pay higher rates, with premiums being up to $367 each month if they have full coverage
- High-risk drivers with multiple at-fault accidents pay on average $1,370 more each year for car insurance
- Increasing comprehensive and collision deductibles could save up to $475 each year
- You may be able to save as much as $140 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,408 |
| 20 | $2,720 |
| 30 | $1,236 |
| 40 | $1,186 |
| 50 | $1,084 |
| 60 | $1,064 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,492 |
| $250 | $1,352 |
| $500 | $1,186 |
| $1,000 | $1,028 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,186 |
| 50/100 | $1,257 |
| 100/300 | $1,345 |
| 250/500 | $1,575 |
| 100 CSL | $1,292 |
| 300 CSL | $1,487 |
| 500 CSL | $1,629 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,286 |
| 20 | $4,324 |
| 30 | $2,614 |
| 40 | $2,556 |
| 50 | $2,436 |
| 60 | $2,414 |
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 | $63 |
| Multi-vehicle | $61 |
| Homeowner | $18 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $53 |
| Advance Quote | $58 |
| Online Quote | $84 |
| Total Discounts | $499 |
Discounts are estimated and may not be available from every company or in every state.
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