Volkswagen Atlas Insurance Rates

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UPDATED: Apr 16, 2024

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Volkswagen Atlas insurance

U.S. average insurance rates for a Volkswagen Atlas are $1,434 a year including full coverage. Comprehensive insurance costs approximately $280 each year, collision costs $540, and liability insurance costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing $3,122 or more. Teens pay the highest rates at $5,438 a year or more.

Average premium for full coverage: $1,434

Price estimates by individual coverage:

Comprehensive $280
Collision $540
Liability $456

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Atlas models.

Price Range from Low to High

For the average 40-year-old driver, Volkswagen Atlas insurance prices go from as low as $508 for just liability coverage to a high rate of $3,122 for coverage for higher-risk drivers.

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

Geographic Price Range

Where you live has a significant impact on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the difference location can make on auto insurance prices.

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

The ranges above highlight why all drivers should compare prices using their specific location 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.

Detailed Rate Analysis

The chart below breaks down estimated Volkswagen Atlas insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $819
  • Using higher $1,000 deductibles will save $186 every year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $1,434
  • Selecting low deductibles for physical damage coverage will cost an extra $364 a year
  • Drivers with serious driving violations could pay around $3,122 or more
  • The price for full coverage for a teen driver can cost $5,438 or more

View Chart as Image

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

Auto insurance prices for a Volkswagen Atlas are also quite variable based on your driving record, the model of your Atlas, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay in the ballpark of $5,400 a year. View Rates by Age

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

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

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $550 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,400 in extra premium each year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 132% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to do a rate comparison from as many companies as possible. Each insurance company calculates prices differently, and quoted prices may be quite different from one company to the next.

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 the Best Cheap Volkswagen Atlas Insurance

Getting lower rates on Volkswagen Atlas insurance requires being safe and accident-free, having good credit, being claim-free, and not having any coverage lapses. Make time to compare rates at least once a year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

Below you'll find a quick review of the primary concepts that were touched on in this article.

  • You may be able to save around $170 per year simply by quoting online in advance
  • High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,690 more per year than a low-risk driver
  • Increasing physical damage deductibles can save around $550 each year
  • Youthful drivers have the highest car insurance prices, possibly costing $453 a month if they have full coverage

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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