Volkswagen Atlas Insurance Rates

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UPDATED: Apr 16, 2024

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Volkswagen Atlas insurance

Estimated insurance prices for a Volkswagen Atlas are $1,476 every 12 months for full coverage. Comprehensive costs around $292 each year, collision costs $574, and liability insurance is $452. Liability-only coverage costs around $504 a year, with high-risk coverage costing around $3,212. 16-year-old drivers pay the most at $5,564 a year or more.

Average premium for full coverage: $1,476

Premium estimates for type of coverage:

Comprehensive $292
Collision $574
Liability $452

Prices include $500 deductible amounts, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and Atlas models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Volkswagen Atlas go from the cheapest price of $504 for the bare minimum liability coverage to a high rate of $3,212 for a driver that may need high-risk insurance.

Liability Only $504
Full Coverage $1,476
High Risk $3,212

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than congested cities.

The graphic below illustrates how your location can change auto insurance rates.

Rural Areas $1,107
Small Cities $1,550
Large Cities $1,993

These rate differences show why all drivers should compare rates quotes for a specific zip code and their own driving history, rather than relying 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.

Additional Rate Information

The chart below shows estimated Volkswagen Atlas insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $841
  • Raising to $1,000 deductibles will save about $196 a year
  • The average price for a 40-year-old good driver using $500 deductibles is $1,476
  • Buying low deductibles increases the price to $1,860
  • Higher-risk drivers with multiple tickets or accidents could pay at least $3,212 or more
  • An auto insurance policy to insure a teen driver can be $5,564

View Chart as Image

Volkswagen Atlas insurance cost comparison chart
Column chart showing full coverage Volkswagen Atlas insurance rates range from $841 to $5,564

Insurance prices for a Volkswagen Atlas also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.

Opting for high physical damage deductibles can reduce prices by up to $580 each year, whereas increasing liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay as much as $5,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at least $1,800 to $2,400 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 136% more than the average rate. View High Risk Driver Rates

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 $970 a year in states like Idaho, Maine, and Iowa, or at least $2,100 on average in Michigan, Louisiana, and New York.

Volkswagen Atlas Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,334 -$142 -9.6%
Alaska $1,132 -$344 -23.3%
Arizona $1,224 -$252 -17.1%
Arkansas $1,476 -$0 0.0%
California $1,680 $204 13.8%
Colorado $1,408 -$68 -4.6%
Connecticut $1,518 $42 2.8%
Delaware $1,670 $194 13.1%
Florida $1,846 $370 25.1%
Georgia $1,362 -$114 -7.7%
Hawaii $1,060 -$416 -28.2%
Idaho $998 -$478 -32.4%
Illinois $1,100 -$376 -25.5%
Indiana $1,110 -$366 -24.8%
Iowa $996 -$480 -32.5%
Kansas $1,402 -$74 -5.0%
Kentucky $2,012 $536 36.3%
Louisiana $2,184 $708 48.0%
Maine $910 -$566 -38.3%
Maryland $1,216 -$260 -17.6%
Massachusetts $1,180 -$296 -20.1%
Michigan $2,562 $1,086 73.6%
Minnesota $1,234 -$242 -16.4%
Mississippi $1,768 $292 19.8%
Missouri $1,308 -$168 -11.4%
Montana $1,584 $108 7.3%
Nebraska $1,164 -$312 -21.1%
Nevada $1,770 $294 19.9%
New Hampshire $1,064 -$412 -27.9%
New Jersey $1,650 $174 11.8%
New Mexico $1,306 -$170 -11.5%
New York $1,554 $78 5.3%
North Carolina $850 -$626 -42.4%
North Dakota $1,208 -$268 -18.2%
Ohio $1,020 -$456 -30.9%
Oklahoma $1,514 $38 2.6%
Oregon $1,352 -$124 -8.4%
Pennsylvania $1,408 -$68 -4.6%
Rhode Island $1,970 $494 33.5%
South Carolina $1,336 -$140 -9.5%
South Dakota $1,244 -$232 -15.7%
Tennessee $1,292 -$184 -12.5%
Texas $1,780 $304 20.6%
Utah $1,092 -$384 -26.0%
Vermont $1,010 -$466 -31.6%
Virginia $882 -$594 -40.2%
Washington $1,140 -$336 -22.8%
West Virginia $1,352 -$124 -8.4%
Wisconsin $1,022 -$454 -30.8%
Wyoming $1,314 -$162 -11.0%

View Chart as Image

Volkswagen Atlas insurance rates by U.S. city

With such a large range in prices, the only way to know your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different.

Volkswagen Atlas Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Volkswagen Atlas $358 $690 $390 $1,596
2023 Volkswagen Atlas $344 $686 $398 $1,586
2022 Volkswagen Atlas $332 $668 $416 $1,574
2021 Volkswagen Atlas $320 $640 $430 $1,548
2020 Volkswagen Atlas $304 $618 $442 $1,522
2019 Volkswagen Atlas $292 $574 $452 $1,476
2018 Volkswagen Atlas $280 $540 $456 $1,434

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 the Right Volkswagen Atlas Insurance

Finding better rates on Volkswagen Atlas insurance consists of having a good driving record, having good credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to shop around once a year by quoting rates from direct carriers, and also from local exclusive and independent agents.

The next list is a quick rundown of the data that was illustrated above.

  • Drivers can save up to $180 per year simply by quoting online in advance
  • Drivers who may need increased levels of liability coverage will pay around $500 each year to raise from 30/60 bodily injury limits to a 250/500 level
  • Drivers age 20 and younger pay higher prices, as much as $464 per month if they have full coverage
  • High-risk drivers with reckless driving or DUI convictions may pay on average $1,740 more every year to buy Volkswagen Atlas insurance

Rates by Driver Age

Volkswagen Atlas Insurance Rates by Driver Age
Driver Age Premium
16 $5,564
20 $3,430
30 $1,536
40 $1,476
50 $1,348
60 $1,324

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Atlas Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,860
$250 $1,680
$500 $1,476
$1,000 $1,280

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Atlas Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,476
50/100 $1,566
100/300 $1,679
250/500 $1,973
100 CSL $1,612
300 CSL $1,860
500 CSL $2,041

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Atlas Insurance Rates for High Risk Drivers
Age Premium
16 $7,950
20 $5,468
30 $3,280
40 $3,212
50 $3,070
60 $3,042

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 $211

Potential Rate Discounts

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

Discount Savings
Multi-policy $79
Multi-vehicle $79
Homeowner $22
5-yr Accident Free $111
5-yr Claim Free $97
Paid in Full/EFT $68
Advance Quote $74
Online Quote $105
Total Discounts $635
Rate after discounts $841

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

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