Volkswagen Atlas Insurance Rates

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Volkswagen Atlas insurance

Estimated insurance rates for a Volkswagen Atlas are $960 a year including full coverage. Comprehensive costs around $154 each year, collision insurance costs $206, and liability insurance is $442. Liability-only coverage costs around $496 a year, and high-risk coverage costs around $2,064. Teens pay the most at up to $3,884 a year.

Average premium for full coverage: $960

Premium estimates for type of coverage:

Comprehensive $154
Collision $206
Liability $442

Includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Atlas models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Volkswagen Atlas range from as low as $496 for a discount liability-only rate to a high rate of $2,064 for a driver that may need high-risk insurance.

Liability Only $496
Full Coverage $960
High Risk $2,064

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance rates.

Rural Areas $720
Small Cities $1,008
Large Cities $1,296

These rate differences highlight why all drivers should compare rates quotes for a specific zip code and risk profile, rather than relying on averaged prices.

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.

Rates by State, City, and Model

The chart below breaks down average Volkswagen Atlas insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $586
  • Raising to $1,000 deductibles will save about $82 every year
  • The average rate for a 40-year-old good driver using $500 deductibles is $960
  • Selecting low deductibles will increase the cost to $1,118
  • Higher-risk drivers with serious driving violations could pay at least $2,064
  • An auto insurance policy for full coverage for a teen driver can be $3,884

View Chart as Image

Volkswagen Atlas insurance cost comparison chart
Column chart showing Volkswagen Atlas insurance rates range from $586 to $3,884 for full coverage

Insurance prices for a Volkswagen Atlas also have a wide range based on your driving characteristics, the model of your Atlas, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $3,800 a year. View Rates by Age

Where you choose to live also has a big influence on Volkswagen Atlas insurance rates. A middle-age driver might find prices as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,370 on average in Michigan, New York, and Louisiana.

Volkswagen Atlas Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $870 -$90 -9.4%
Alaska $738 -$222 -23.1%
Arizona $800 -$160 -16.7%
Arkansas $960 -$0 0.0%
California $1,094 $134 14.0%
Colorado $918 -$42 -4.4%
Connecticut $988 $28 2.9%
Delaware $1,088 $128 13.3%
Florida $1,204 $244 25.4%
Georgia $886 -$74 -7.7%
Hawaii $692 -$268 -27.9%
Idaho $650 -$310 -32.3%
Illinois $718 -$242 -25.2%
Indiana $724 -$236 -24.6%
Iowa $648 -$312 -32.5%
Kansas $914 -$46 -4.8%
Kentucky $1,312 $352 36.7%
Louisiana $1,424 $464 48.3%
Maine $594 -$366 -38.1%
Maryland $794 -$166 -17.3%
Massachusetts $770 -$190 -19.8%
Michigan $1,670 $710 74.0%
Minnesota $804 -$156 -16.3%
Mississippi $1,152 $192 20.0%
Missouri $852 -$108 -11.3%
Montana $1,034 $74 7.7%
Nebraska $758 -$202 -21.0%
Nevada $1,154 $194 20.2%
New Hampshire $692 -$268 -27.9%
New Jersey $1,074 $114 11.9%
New Mexico $850 -$110 -11.5%
New York $1,012 $52 5.4%
North Carolina $554 -$406 -42.3%
North Dakota $786 -$174 -18.1%
Ohio $664 -$296 -30.8%
Oklahoma $988 $28 2.9%
Oregon $880 -$80 -8.3%
Pennsylvania $918 -$42 -4.4%
Rhode Island $1,282 $322 33.5%
South Carolina $870 -$90 -9.4%
South Dakota $812 -$148 -15.4%
Tennessee $844 -$116 -12.1%
Texas $1,158 $198 20.6%
Utah $712 -$248 -25.8%
Vermont $658 -$302 -31.5%
Virginia $576 -$384 -40.0%
Washington $746 -$214 -22.3%
West Virginia $882 -$78 -8.1%
Wisconsin $666 -$294 -30.6%
Wyoming $858 -$102 -10.6%

View Chart as Image

Volkswagen Atlas insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $240 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,100 to $1,600 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 41% to 127% more than the average policy. View High Risk Driver Rates

Volkswagen Atlas Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium

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 Find the Cheapest Volkswagen Atlas Insurance

Finding better rates on Volkswagen Atlas insurance consists of being a low-risk driver, maintaining good credit, refrain from filing small claims, and dropping full coverage on older vehicles. Invest the time to compare rates once a year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a recap of the data that was presented in the illustrations above.

  • You may be able to save up to $110 per year just by quoting online in advance
  • Drivers who may need more liability coverage will pay approximately $490 per year to raise from 30/60 bodily injury limits to 250/500 limits
  • Teen drivers pay higher prices, with the cost nearing $324 per month for full coverage
  • High-risk drivers that have major violations or accidents pay on average $1,100 more every year to insure their Atlas

Rates by Driver Age

Volkswagen Atlas Insurance Rates by Driver Age
Driver Age Premium
16 $3,884
20 $2,200
30 $978
40 $960
50 $882
60 $864

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Atlas Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,118
$250 $1,046
$500 $960
$1,000 $878

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Atlas Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $960
50/100 $1,048
100/300 $1,159
250/500 $1,446
100 CSL $1,093
300 CSL $1,336
500 CSL $1,513

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Atlas Insurance Rates for High Risk Drivers
Age Premium
16 $5,460
20 $3,502
30 $2,082
40 $2,064
50 $1,974
60 $1,954

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 $127

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $48
Multi-vehicle $51
Homeowner $17
5-yr Accident Free $58
5-yr Claim Free $60
Paid in Full/EFT $34
Advance Quote $42
Online Quote $64
Total Discounts $374
Rate after discounts $586

Discounts are estimated and may not be available from every company or in every state.

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