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 for full coverage. Comprehensive insurance costs approximately $260 a year, collision costs $436, and liability insurance is $354. A liability-only policy costs around $406 a year, with high-risk insurance costing $2,556 or more. 16-year-old drivers 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:
Rates are based on $500 deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Taos trim levels.
Price Range Variability
For a driver in their 40's, Volkswagen Taos insurance rates go from as cheap as $406 for liability-only coverage to a high of $2,556 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are shown to have fewer accident claims than congested cities.
The diagram below illustrates how location helps determine auto insurance prices.
The examples above show why it is important to compare rates quotes using their specific location and their own personal driving habits, rather than relying on rate 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.
Additional Charts and Tables
The chart below shows estimated Volkswagen Taos insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $687
- Raising to $1,000 deductibles will save $1,028 a year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,186
- Buying low $100 deductibles costs an additional $306 a year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,556 or more
- Policy cost with full coverage for a teen driver can cost $4,408
Car insurance rates for a Volkswagen Taos also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark 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 could be paying anywhere from $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $470 each year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $318 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Volkswagen Taos insurance rates. A middle-age driver might find rates as low as $780 a year in states like Iowa, Maine, and Idaho, or at least $1,690 on average in New York, Louisiana, 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% |
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, so rate quotes 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 the Best Cheap Volkswagen Taos Insurance
Finding cheaper rates on Volkswagen Taos insurance consists of not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Invest time comparing rates every time your policy renews by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following is a quick review of the information covered in the charts and tables above.
- Drivers can save around $140 per year simply by quoting early and online
- Teens pay the highest auto insurance rates, costing up to $367 each month if comprehensive and collision insurance is included
- Increasing comprehensive and collision deductibles could save up to $475 each year
- High-risk drivers with a DUI or reckless driving violation pay on average $1,370 more per year for Taos insurance
- Drivers who purchase higher liability limits will pay around $390 each year to raise from a 30/60 limit to higher 250/500 limits
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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