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 with full coverage. Comprehensive costs around $260 a year, collision insurance costs $436, and liability coverage is estimated at $354. Liability-only insurance costs approximately $406 a year, and high-risk driver insurance costs around $2,556. Teens cost the most to insure at up to $4,408 a year.

Average premium for full coverage: $1,186

Policy rates for type of insurance:

Comprehensive $260
Collision $436
Liability $354

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Taos trim levels.

Price Range Variability

Using a middle-aged driver as an example, Volkswagen Taos insurance rates range from as cheap as $406 for the bare minimum liability coverage to a high of $2,556 for a driver who requires high-risk insurance.

Liability Only $406
Full Coverage $1,186
High Risk $2,556

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. Areas with sparse population are shown to have fewer collision claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance rates.

Rural Areas $890
Small Cities $1,245
Large Cities $1,601

The examples above demonstrate why it is important to get quotes for a specific zip code and their own personal driving habits, rather than 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 Information

The chart below details average Volkswagen Taos insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $687
  • Choosing higher $1,000 deductibles can save about $1,028 annually
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,186
  • Selecting low $100 deductibles for comp and collision coverage will cost $1,492
  • Drivers with serious driving violations could pay at least $2,556
  • Policy cost with full coverage for a teenage driver can be $4,408 each year

View Chart as Image

Volkswagen Taos insurance cost comparison chart
Column chart showing Volkswagen Taos insurance rates range from $687 to $4,408 for full coverage

Auto insurance rates for a Volkswagen Taos also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $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 may be forking out at least $1,400 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $470 a year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Volkswagen Taos insurance rates. A good driver about age 40 could pay as low as $850 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,600 on average in Florida, Michigan, and New York.

Volkswagen Taos Insurance Rates by State
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%

View Chart as Image

Volkswagen Taos insurance rates by U.S. city
Volkswagen Taos Insurance Rates by Model Year
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 Affordable Volkswagen Taos Insurance

Finding cheaper rates on auto insurance takes being a good driver, having above-average credit, not filing small claims, and possibly raising deductibles. Take the time to comparison shop at every other renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a brief review of the concepts that were touched on in the above illustrations.

  • Drivers with DUI or reckless driving convictions may pay on average $1,370 more every year than a safer driver
  • Drivers age 16 to 20 are expensive to insure, as much as $367 each month if full coverage is included
  • You may be able to save up to $140 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles could save up to $475 each year
  • You may be able to save up to $140 per year just by quoting early and online

Rates by Driver Age

Volkswagen Taos Insurance 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

Volkswagen Taos Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,492
$250 $1,352
$500 $1,186
$1,000 $1,028

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Taos Insurance Rates with Different Liability Limits
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

Volkswagen Taos Insurance 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.

SR-22 Surcharge $163

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
Rate after discounts $687

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

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