Volkswagen Atlas 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: Apr 16, 2024
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The average auto insurance rates for a Volkswagen Atlas are $1,434 annually with full coverage. Comprehensive costs on average $280, collision insurance costs $540, and liability costs $456. Liability-only coverage costs as little as $508 a year, and high-risk coverage costs around $3,122. 16-year-old drivers cost the most to insure at up to $5,438 a year.
Average premium for full coverage: $1,434
Policy rates by type of insurance:
Prices are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all Atlas models.
Price Range Variability
For a 40-year-old driver, Volkswagen Atlas insurance rates range from as cheap as $508 for your basic liability-only policy to the much higher price of $3,122 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on auto insurance rates. Rural areas are shown to have fewer collision claims than congested cities. The example below illustrates how your location can change car insurance rates.
The examples above demonstrate why everyone should compare rates based on a specific location and their own personal driving habits, instead of making a decision based 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.
More Rate Information
The chart below details average Volkswagen Atlas insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $819
- Drivers who choose higher $1,000 deductibles will pay around $186 annually
- The estimated rate for a good driver age 40 with $500 deductibles is $1,434
- Buying pricier low deductibles for comprehensive and collision insurance will cost $1,798
- Drivers with multiple tickets or accidents could pay upwards of $3,122
- Policy cost with full coverage for a 16-year-old driver for full coverage may cost $5,438 a year
Insurance rates for a Volkswagen Atlas also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $5,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,700 to $2,400 additional every year, depending on your age. Volkswagen Atlas insurance for high-risk drivers can cost from 44% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $550 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Volkswagen Atlas insurance prices. A 40-year-old driver could pay as low as $1,030 a year in states like New Hampshire, Ohio, and Utah, or at least $1,940 on average in Florida, Michigan, and New York.
| 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% |
| 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 Buy Affordable Volkswagen Atlas Insurance
Finding cheaper rates on insurance for a Volkswagen Atlas not only requires being a low-risk driver, but also having good credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around at every policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The items below are a brief review of the data illustrated above.
- Insureds who require more liability coverage will pay around $500 every year to go from a 30/60 limit to higher 250/500 limits
- You may be able to save as much as $170 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $550 each year
- Teen drivers pay higher rates, as much as $453 each month if they have full coverage
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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