Volkswagen Taos Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance rates for a Volkswagen Taos are $1,186 a year for full coverage insurance. Comprehensive costs approximately $260, collision costs $436, and liability costs around $354. Liability-only coverage costs as low as $406 a year, with high-risk coverage costing around $2,556. 16-year-old drivers pay the most at $4,408 a year or more.

Average premium for full coverage: $1,186

Premium estimates by type of coverage:

Comprehensive $260
Collision $436
Liability $354

Price estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for different Taos trim levels.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Volkswagen Taos go from the low end price of $406 for your basic liability-only policy to a much higher rate of $2,556 for high-risk insurance.

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

Insurance Price Range by Location

Where you live can make a big difference on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than congested cities.

The price range example below illustrates how location impacts auto insurance prices.

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

These rate differences illustrate why anyone shopping for car insurance should compare prices using their specific location, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

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More Rate Information

The chart below illustrates estimated Volkswagen Taos insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $687
  • Using higher $1,000 deductibles will save $158 each year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,186
  • Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,492
  • High-risk insureds with multiple tickets or accidents could pay around $2,556 or more
  • An auto insurance policy that insures a 16-year-old driver with full coverage can cost $4,408 or more

View Chart as Image

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

Insurance prices for a Volkswagen Taos also have a wide range based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,400 to $1,900 extra annually, depending on your age. High-risk driver insurance can be from 43% to 132% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,400 a year. View Rates by Age

Where you choose to live has a huge impact on Volkswagen Taos insurance prices. A driver around age 40 might see prices as low as $780 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,600 on average in Florida, 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

Opting for high physical damage deductibles could cut prices by as much as $470 annually, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $318 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices from multiple companies. Each insurance company utilizes a different rate formula, so the prices will be substantially different.

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 Cheaper Volkswagen Taos Insurance

Finding better rates on insurance for a Volkswagen Taos requires avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Comparison shop every couple of years by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

The points below are a condensed summary of the material that was touched on above.

  • Insureds who purchase increased liability limits will pay around $390 annually to increase from 30/60 bodily injury limits to the 250/500 level
  • Drivers under the age of 20 are expensive to insure, with premiums being up to $367 per month if full coverage is included
  • Drivers considered higher risk with multiple at-fault accidents could be charged and average of $1,370 more per year to insure a Volkswagen Taos
  • Increasing policy deductibles can save approximately $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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