Volkswagen Taos Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance rates for a Volkswagen Taos are $1,186 a year including full coverage. Comprehensive insurance costs an estimated $260 a year, collision insurance costs $436, and liability costs around $354. Liability-only insurance costs as low as $406 a year, and high-risk driver insurance costs $2,556 or more. Teenage drivers cost the most to insure at up to $4,408 a year.

Average premium for full coverage: $1,186

Policy rates broken down by type of insurance:

Comprehensive $260
Collision $436
Liability $354

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Taos trim levels.

Price Range Variability

For the average driver, Volkswagen Taos insurance rates range from as low as $406 for the bare minimum liability coverage to a high of $2,556 for high-risk insurance.

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

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates how location impacts insurance prices.

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

The examples above highlight why it is important to compare prices for a targeted area and risk profile, instead of using average rates.

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.

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Additional Rate Information

The chart below breaks down average Volkswagen Taos insurance rates for other coverage scenarios.

  • The best discount rate is $687
  • Using higher $1,000 deductibles will save approximately $1,028 every year
  • The average rate for a good driver age 40 who has $500 deductibles is $1,186
  • Using low $100 deductibles for physical damage coverage will cost an extra $306 every year
  • Drivers who are prone to accidents and violations could pay up to $2,556
  • Policy cost for full coverage for a teen driver can cost as much as $4,408 or more

View Chart as Image

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

Auto insurance rates for a Volkswagen Taos also range considerably based on your risk profile, the model of your Taos, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $4,400 a year. View Rates by Age

Your home state has a huge impact on Volkswagen Taos insurance prices. A driver around age 40 might see rates as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,690 on average in Louisiana, New York, and Michigan.

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

Using high physical damage deductibles could cut rates by as much as $470 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,400 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

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 Find Affordable Volkswagen Taos Insurance

Finding cheaper rates on car insurance requires having a decent driving record, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Spend time shopping around every couple of years by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief review of the material that was touched on above.

  • Policyholders who want additional liability coverage will pay an extra $390 per year to increase from a 30/60 limit to 250/500 limits
  • 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $367 each month if they have full coverage
  • Higher risk drivers with DUI or reckless driving convictions may pay on average $1,370 more annually than a driver with a clean driving record
  • Increasing comprehensive and collision deductibles can save around $475 each year

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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