Volkswagen Taos Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance prices for a Volkswagen Taos are $1,186 every 12 months including full coverage. Comprehensive costs around $260 a year, collision insurance costs $436, and liability coverage costs $354. A liability-only policy costs as little as $406 a year, and high-risk insurance costs around $2,556. Teen drivers 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 include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and UM/UIM 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 the cheapest price of $406 for basic liability insurance to a high of $2,556 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how location impacts auto insurance rates.

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

The examples above highlight why it is important to compare rates for a specific zip code and their own driving history, 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 breaks down average Volkswagen Taos insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $687
  • Drivers who choose higher $1,000 deductibles will pay about $1,028 every year
  • The average price for a good driver age 40 using $500 deductibles is $1,186
  • Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $1,492
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $2,556
  • Policy cost to insure a teenage driver can be $4,408 a 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

Car insurance rates for a Volkswagen Taos also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing high deductibles could save up to $470 a year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 132% more than average. View High Risk Driver Rates

Your home state makes a big difference in Volkswagen Taos insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,690 on average in Michigan, New York, and Louisiana.

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 Shop for the Right Volkswagen Taos Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Spend time shopping around at least every other year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The items below are a quick rundown of the car insurance concepts touched on above.

  • Drivers with reckless driving or DUI convictions could be forced to pay on average $1,370 more every year to insure their Taos
  • You may be able to save up to $140 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles could save as much as $475 each year
  • Consumers who may need more liability coverage will pay about $390 per year to go from a 30/60 limit to a 250/500 level

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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