Volkswagen Taos Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Volkswagen Taos are $1,186 a year for full coverage insurance. Comprehensive costs an estimated $260, collision costs $436, and liability coverage is $354. Liability-only insurance costs around $406 a year, with high-risk driver insurance costing around $2,556. Teen drivers pay the highest rates at $4,408 a year or more.
Average premium for full coverage: $1,186
Price estimates broken down by individual coverage:
Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different Taos trim levels.
Price Range from Low to High
For a driver around age 40, Volkswagen Taos insurance prices go from the low end price of $406 for basic liability insurance to a much higher rate of $2,556 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on the price of insurance. More rural locations have lower incidents of physical damage claims than larger metro areas.
The price range example below illustrates the difference between rural and urban areas on insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than using price 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.
Rate Comparisons
The chart below illustrates estimated Volkswagen Taos insurance rates for other coverage scenarios.
- The lowest rate with discounts is $687
- Raising to $1,000 deductibles will save approximately $158 each year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,186
- Choosing more expensive low deductibles bumps up the cost to $1,492
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,556 or more
- The price that insures a teenage driver with full coverage can cost as much as $4,408
Car insurance prices for a Volkswagen Taos are also quite variable based on the model year and trim level, your age and driving record, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are probably paying $1,400 to $1,900 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 132% more than average. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $4,400 a year. View Rates by Age
The state you live in also has a big influence on Volkswagen Taos insurance rates. A middle-age driver might find prices as low as $780 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,600 on average in Florida, New York, and Michigan.
| 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% |
Choosing high deductibles can reduce prices by up to $470 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes may be quite different.
| 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 Find More Affordable Volkswagen Taos Insurance
Getting lower rates on auto insurance consists of avoiding accidents and claims, having a positive credit history, not filing small claims, and not having any coverage lapses. Shop around at every policy renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.
The points below are a summary of the data covered above.
- Consumers who want increased liability limits will pay about $390 annually to raise from a low limit to the 250/500 level
- It is possible to save approximately $140 per year simply by shopping early and online
- Increasing physical damage deductibles can save approximately $475 each year
- Drivers under the age of 20 have the highest car insurance prices, as much as $367 a month if full coverage is purchased
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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