Volkswagen Atlas Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 16, 2024
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U.S. average insurance rates for a Volkswagen Atlas are $1,434 a year for full coverage insurance. Comprehensive insurance costs an estimated $280 each year, collision costs $540, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing $3,122 or more. Teen drivers pay the highest rates at $5,438 a year or more.
Average premium for full coverage: $1,434
Price estimates broken down by individual coverage:
Estimates include $500 deductible amounts, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Atlas models.
Price Range from Low to High
Using a 40-year-old driver as an example, Volkswagen Atlas insurance prices go from as low as $508 for minimum levels of liability insurance to a high rate of $3,122 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on the price of insurance. More rural locations have a lower frequency of physical damage claims than larger metro areas.
The graphic below illustrates how rural and urban location affects insurance prices.
The ranges above illustrate why all drivers should get quotes for a targeted area and risk profile, instead of making a decision based on price 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 Details
The chart below illustrates estimated Volkswagen Atlas insurance rates for other coverage scenarios.
- The lowest rate with discounts is $819
- Choosing higher $1,000 deductibles can save approximately $186 each year
- The average rate for the average middle-age driver who has $500 deductibles is $1,434
- Choosing low deductibles for comp and collision coverage will cost an extra $364 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,122 or more
- The price for full coverage for a 16-year-old driver can cost as much as $5,438 each year
Auto insurance prices for a Volkswagen Atlas are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.
More mature drivers with a good driving record and high deductibles may pay as low as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay at least $5,400 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 $940 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,940 on average in Florida, New York, and Michigan.
| 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% |
Choosing high deductibles can save as much as $550 annually, whereas increasing liability limits will increase premiums. Switching 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 probably paying $1,700 to $2,400 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges from 44% to 132% more than average. View High Risk Driver Rates
Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, and quoted prices may be quite different from one company to the next.
| 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 Low Cost Volkswagen Atlas Insurance
Getting lower rates on insurance for a Volkswagen Atlas takes having a good driving record, having good credit, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around at every policy renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a review of the data raised in the charts and tables above.
- Insureds who want increased levels of liability coverage will pay about $500 annually to raise limits from a low limit to 250/500 limits
- It is possible to save approximately $170 per year simply by quoting online in advance
- Increasing physical damage deductibles can save around $550 each year
- Drivers age 20 and younger are the costliest to insure, as much as $453 a month if they have full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,798 |
| $250 | $1,628 |
| $500 | $1,434 |
| $1,000 | $1,248 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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