Volkswagen Atlas Insurance Rates

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UPDATED: Apr 16, 2024

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Volkswagen Atlas insurance

Average insurance rates for a Volkswagen Atlas are $1,434 a year including full coverage. Comprehensive insurance costs around $280 each year, collision insurance costs $540, and liability costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs $3,122 or more. 16-year-old drivers receive the highest rates at up to $5,438 a year.

Average premium for full coverage: $1,434

Rate estimates for individual coverage type:

Comprehensive $280
Collision $540
Liability $456

Prices are based on $500 physical damage deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Atlas models.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $508 for a discount liability-only rate to a high rate of $3,122 for a policy for a high-risk driver.

Liability Only $508
Full Coverage $1,434
High Risk $3,122

Price Range by Location

Where you live can have significant affects on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than congested cities. The graphic below illustrates how location impacts auto insurance rates.

Rural Areas $1,076
Small Cities $1,506
Large Cities $1,936

These examples highlight why all drivers should compare prices for a specific zip code and risk profile, 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.

Rates by State, City, and Model

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

  • The best full coverage rate is $819
  • Using higher $1,000 deductibles will save about $186 every year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,434
  • Buying low deductibles for physical damage coverage will cost an extra $364 every year
  • Drivers with multiple tickets or accidents could pay at least $3,122
  • The cost for full coverage for a teen driver can be $5,438 or more

View Chart as Image

Volkswagen Atlas insurance cost comparison chart
Column chart showing Volkswagen Atlas insurance prices range from $819 to $5,438 for full coverage

Car insurance rates for a Volkswagen Atlas can also vary considerably based on your driver profile, the model of your Atlas, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $5,400 a year. View Rates by Age

Where you live has a huge impact on Volkswagen Atlas insurance prices. A driver around age 40 might see rates as low as $1,100 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,050 on average in Michigan, New York, and Louisiana.

Volkswagen Atlas Insurance Rates by State
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%

View Chart as Image

Volkswagen Atlas insurance rates by U.S. city

Opting for high physical damage deductibles could cut rates by as much as $550 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,700 to $2,400 extra per year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 132% more than the average rate. View High Risk Driver Rates

Volkswagen Atlas Insurance Rates by Model Year
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 Find Affordable Volkswagen Atlas Insurance

Saving money on car insurance requires being a safe and courteous driver, having above-average credit, not filing small claims, and consideration of higher deductibles. Spend time shopping around every year by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

Below is a brief review of the coverage data touched on above.

  • You may be able to save up to $170 per year just by quoting online in advance
  • Increasing deductibles can save around $550 each year
  • Teenage drivers are the costliest to insure, as much as $453 per month if full coverage is included
  • Higher risk drivers with DUI or reckless driving convictions pay on average $1,690 more every year for auto insurance

Rates by Driver Age

Volkswagen Atlas Insurance 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

Volkswagen Atlas Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,798
$250 $1,628
$500 $1,434
$1,000 $1,248

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Atlas Insurance Rates with Different Liability Limits
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

Volkswagen Atlas Insurance 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.

SR-22 Surcharge $204

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
Rate after discounts $819

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

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