Volkswagen Atlas Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Apr 16, 2024
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Estimated auto insurance rates for a Volkswagen Atlas are $1,476 annually with full coverage. Comprehensive insurance costs approximately $292, collision costs $574, and liability coverage is estimated at $452. Liability-only coverage costs approximately $504 a year, with high-risk coverage costing $3,212 or more. Teen drivers pay the most at $5,564 a year or more.
Average premium for full coverage: $1,476
Premium estimates by type of coverage:
These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for all Atlas models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Volkswagen Atlas go from as cheap as $504 for liability-only coverage to the much higher price of $3,212 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of insurance. Rural locations are statistically proven to have fewer collision claims than larger metro areas.
The example below illustrates how your location can change auto insurance prices.
These rate differences demonstrate why everyone should get quotes using their specific location and their own personal driving habits, rather than using 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 Charts and Tables
The chart below details estimated Volkswagen Atlas insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $841
- Choosing higher $1,000 deductibles can save $196 annually
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,476
- Choosing pricier low deductibles for comp and collision coverage costs an additional $384 each year
- Drivers with multiple violations and an at-fault accident could pay around $3,212 or more
- An auto insurance policy with full coverage for a teenage driver for full coverage can cost $5,564 each year
Insurance prices for a Volkswagen Atlas also have a wide range based on the model of your Atlas, your driving record, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $5,500 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,800 to $2,400 extra annually, depending on your age. Volkswagen Atlas insurance for high-risk drivers ranges around 43% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $580 a year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Volkswagen Atlas insurance rates. A good driver about age 40 could pay as low as $1,060 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,990 on average in New York, Michigan, and Florida.
| 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% |
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see how they stack up. Each auto insurer uses a different rate calculation, so the prices will be substantially different between companies.
| 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 Buy Cheap Volkswagen Atlas Insurance
Finding better rates on auto insurance takes being a low-risk driver, having a good credit history, being claim-free, and maximizing policy discounts. Invest the time to shop around every time your policy renews by requesting quotes from direct companies, and also from your local independent and exclusive agents.
The items below are a brief summary of the information illustrated above.
- You may be able to save around $180 per year simply by quoting online well ahead of the renewal date
- Teen drivers are expensive to insure, possibly costing $464 per month including comprehensive and collision insurance
- Increasing policy deductibles could save up to $575 each year
- Drivers that tend to have accidents or serious violations may pay on average $1,740 more per year to insure their Atlas
- Consumers who purchase more liability coverage will pay about $500 every year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,860 |
| $250 | $1,680 |
| $500 | $1,476 |
| $1,000 | $1,280 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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