Volkswagen Atlas Insurance Rates
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U.S. average insurance rates for a Volkswagen Atlas are $960 a year for full coverage insurance. Comprehensive costs around $154 a year, collision costs $206, and liability is estimated at $442. A policy with just liability insurance costs approximately $496 a year, with coverage for high-risk drivers costing around $2,064. Teens pay the highest rates at $3,884 a year or more.
Average premium for full coverage: $960
Price estimates for individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Atlas trim levels.
Price Range from Low to High
For a driver in their 40's, Volkswagen Atlas insurance prices go from as low as $496 for just liability coverage to a high of $2,064 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than cities with more traffic congestion.
The diagram below illustrates how location helps determine auto insurance rates.
The ranges above illustrate why it is important to get quotes for a specific zip code and risk profile, instead of making a decision based 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.
Detailed Rate Analysis
The chart below illustrates estimated Volkswagen Atlas insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $586
- Choosing higher $1,000 deductibles can save about $878 each year
- The average rate for the average middle-age driver using $500 deductibles is $960
- Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,118
- Higher-risk drivers with serious driving violations could pay at least $2,064 or more
- The price for full coverage for a 16-year-old driver can be $3,884 each year
Insurance prices for a Volkswagen Atlas are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles may pay as low as $900 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $3,800 a year. View Rates by Age
The state you live in plays a big part in determining prices for Volkswagen Atlas insurance prices. A good driver about age 40 could pay as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,300 on average in Michigan, New York, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $240 annually, while buying higher liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at least $1,100 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy ranges from 41% to 127% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the only way to figure out your exact price is to get quotes from multiple companies. Each auto insurer calculates prices differently, so the prices may be quite different from one company to the next.
| 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 Best Volkswagen Atlas Insurance
Getting lower rates on insurance for a Volkswagen Atlas takes avoiding accidents and violations, maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Invest time comparing rates at least once a year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The list below is a brief recap of the primary concepts that were covered in the charts and tables above.
- It is possible to save up to $110 per year simply by quoting early and online
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,100 more every year for car insurance
- Increasing physical damage deductibles can save around $250 each year
- Teenagers pay higher prices, as much as $324 a month for full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,118 |
| $250 | $1,046 |
| $500 | $960 |
| $1,000 | $878 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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