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 including full coverage. Comprehensive insurance costs on average $260, collision costs $436, and liability is estimated at $354. Buying just liability costs approximately $406 a year, with insurance for high-risk drivers costing $2,556 or more. Teenage drivers pay the highest rates at $4,408 a year or more.
Average premium for full coverage: $1,186
Price estimates by individual coverage:
Rates are based on $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Taos models.
Price Range from Low to High
For an average driver, Volkswagen Taos insurance prices go from the low end price of $406 for just the minimum liability insurance to the much higher price of $2,556 for high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities.
The example below illustrates the effect of geographic area on car insurance rates.
The ranges above highlight why everyone should get quotes based on a specific location, instead of making a decision based on 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.
Additional Rate Analysis
The chart below breaks down estimated Volkswagen Taos insurance rates for different risk profiles and scenarios.
- The best discount rate is $687
- Choosing higher $1,000 deductibles can save around $158 every year
- The estimated price for the average middle-age driver with $500 deductibles is $1,186
- Using pricier low deductibles for comp and collision coverage will cost an additional $306 annually
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,556 or more
- The price that insures a 16-year-old driver for full coverage may cost $4,408 each year
Insurance prices for a Volkswagen Taos are also quite variable based on the model of your Taos, your driving record and age, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,400 to $1,900 additional each year, depending on your age. Volkswagen Taos insurance for high-risk drivers ranges from 43% to 132% more than a normal policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,400 a year. View Rates by Age
The state you live in plays a big part in determining prices for Volkswagen Taos insurance prices. A good driver about age 40 could pay as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,690 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles can save as much as $470 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $318 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, and prices 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 the Best Cheap Volkswagen Taos Insurance
Getting lower rates on insurance for a Volkswagen Taos takes being a good driver, having a good credit score, being claim-free, and insuring your home and auto with the same company. Compare prices every couple of years by getting quotes from direct car insurance companies, and also from insurance agencies where you live.
The following list is a quick review of the material that was covered in the above illustrations.
- Insureds who require an increased level of liability coverage will pay an extra $390 per year to raise limits from a low limit to the 250/500 level
- Drivers age 16 to 20 pay higher prices, possibly costing $367 a month if comprehensive and collision insurance is included
- Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,370 more each year than a safer driver
- Increasing physical damage deductibles can save approximately $475 each year
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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