Volkswagen Atlas Insurance Rates
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UPDATED: Apr 16, 2024
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The average insurance prices for a Volkswagen Atlas are $1,434 every 12 months for full coverage. Comprehensive costs approximately $280 a year, collision costs $540, and liability costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing around $3,122. 16-year-old drivers cost the most to insure at $5,438 a year or more.
Average premium for full coverage: $1,434
Policy rates by type of insurance:
These estimates include $500 deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and Atlas trim levels.
Price Range Variability
For the average 40-year-old driver, Volkswagen Atlas insurance rates go from the cheapest price of $508 for just liability insurance to a high of $3,122 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on car insurance rates. Rural locations are shown to have more infrequent accident claims than congested cities.
The diagram below illustrates the difference location can make on auto insurance prices.
The examples above show why it is important to compare prices using their specific location and their own driving history, instead of using 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.
More Rate Details
The chart below shows estimated Volkswagen Atlas insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $819
- Using higher $1,000 deductibles will save $1,248 a year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,434
- Buying low $100 deductibles for physical damage coverage increases the price to $1,798
- Drivers with multiple tickets or accidents could pay around $3,122 or more
- Policy cost to insure a teen driver can cost $5,438 or more
Auto insurance rates for a Volkswagen Atlas also range considerably based on liability limits and deductibles, your driver profile, and the model of your Atlas.
Opting for high physical damage deductibles could cut rates by as much as $550 every year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $5,400 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,700 to $2,400 in extra premium every year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 132% more than the average rate. View High Risk Driver Rates
Your home state has a huge impact on Volkswagen Atlas insurance prices. A driver around age 40 might see rates as low as $950 a year in states like Iowa, Maine, and Idaho, or at least $2,050 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,298 | -$136 | -9.5% |
| Alaska | $1,100 | -$334 | -23.3% |
| Arizona | $1,190 | -$244 | -17.0% |
| Arkansas | $1,434 | -$0 | 0.0% |
| California | $1,636 | $202 | 14.1% |
| Colorado | $1,372 | -$62 | -4.3% |
| Connecticut | $1,476 | $42 | 2.9% |
| Delaware | $1,624 | $190 | 13.2% |
| Florida | $1,796 | $362 | 25.2% |
| Georgia | $1,324 | -$110 | -7.7% |
| Hawaii | $1,032 | -$402 | -28.0% |
| Idaho | $970 | -$464 | -32.4% |
| Illinois | $1,068 | -$366 | -25.5% |
| Indiana | $1,082 | -$352 | -24.5% |
| Iowa | $968 | -$466 | -32.5% |
| Kansas | $1,364 | -$70 | -4.9% |
| Kentucky | $1,958 | $524 | 36.5% |
| Louisiana | $2,122 | $688 | 48.0% |
| Maine | $886 | -$548 | -38.2% |
| Maryland | $1,184 | -$250 | -17.4% |
| Massachusetts | $1,148 | -$286 | -19.9% |
| Michigan | $2,492 | $1,058 | 73.8% |
| Minnesota | $1,200 | -$234 | -16.3% |
| Mississippi | $1,720 | $286 | 19.9% |
| Missouri | $1,272 | -$162 | -11.3% |
| Montana | $1,542 | $108 | 7.5% |
| Nebraska | $1,130 | -$304 | -21.2% |
| Nevada | $1,720 | $286 | 19.9% |
| New Hampshire | $1,034 | -$400 | -27.9% |
| New Jersey | $1,602 | $168 | 11.7% |
| New Mexico | $1,270 | -$164 | -11.4% |
| New York | $1,510 | $76 | 5.3% |
| North Carolina | $828 | -$606 | -42.3% |
| North Dakota | $1,174 | -$260 | -18.1% |
| Ohio | $990 | -$444 | -31.0% |
| Oklahoma | $1,474 | $40 | 2.8% |
| Oregon | $1,314 | -$120 | -8.4% |
| Pennsylvania | $1,370 | -$64 | -4.5% |
| Rhode Island | $1,914 | $480 | 33.5% |
| South Carolina | $1,300 | -$134 | -9.3% |
| South Dakota | $1,210 | -$224 | -15.6% |
| Tennessee | $1,256 | -$178 | -12.4% |
| Texas | $1,728 | $294 | 20.5% |
| Utah | $1,064 | -$370 | -25.8% |
| Vermont | $984 | -$450 | -31.4% |
| Virginia | $860 | -$574 | -40.0% |
| Washington | $1,110 | -$324 | -22.6% |
| West Virginia | $1,314 | -$120 | -8.4% |
| Wisconsin | $994 | -$440 | -30.7% |
| Wyoming | $1,280 | -$154 | -10.7% |
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes and see which company has the best rate. Each insurance company utilizes a different rate formula, and quoted rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Atlas | $344 | $686 | $398 | $1,586 |
| 2023 Volkswagen Atlas | $332 | $668 | $416 | $1,574 |
| 2022 Volkswagen Atlas | $320 | $640 | $430 | $1,548 |
| 2021 Volkswagen Atlas | $304 | $618 | $442 | $1,522 |
| 2020 Volkswagen Atlas | $292 | $574 | $452 | $1,476 |
| 2019 Volkswagen Atlas | $280 | $540 | $456 | $1,434 |
| 2018 Volkswagen Atlas | $268 | $484 | $460 | $1,370 |
Rates are averaged for all Volkswagen Atlas 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 Cheap Volkswagen Atlas Insurance
Finding cheaper rates on car insurance requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Make time to compare rates at every policy renewal by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.
The following is a brief summary of the data touched on in this article.
- Policyholders who purchase higher liability limits will pay around $500 each year to increase from a 30/60 limit to a 250/500 level
- Drivers can save around $170 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $550 each year
- Teens have the highest car insurance rates, costing up to $453 each month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,438 |
| 20 | $3,332 |
| 30 | $1,492 |
| 40 | $1,434 |
| 50 | $1,312 |
| 60 | $1,288 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,798 |
| $250 | $1,628 |
| $500 | $1,434 |
| $1,000 | $1,248 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,434 |
| 50/100 | $1,525 |
| 100/300 | $1,639 |
| 250/500 | $1,936 |
| 100 CSL | $1,571 |
| 300 CSL | $1,822 |
| 500 CSL | $2,004 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,760 |
| 20 | $5,312 |
| 30 | $3,184 |
| 40 | $3,122 |
| 50 | $2,984 |
| 60 | $2,958 |
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 | $77 |
| Multi-vehicle | $77 |
| Homeowner | $22 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $65 |
| Advance Quote | $72 |
| Online Quote | $102 |
| Total Discounts | $615 |
Discounts are estimated and may not be available from every company or in every state.
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