Volkswagen Atlas Insurance Rates
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Michelle Robbins
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UPDATED: Apr 16, 2024
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The average insurance rates for a Volkswagen Atlas are $1,434 a year including full coverage. Comprehensive insurance costs an estimated $280, collision costs $540, and liability is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing $3,122 or more. Teens cost the most to insure at $5,438 a year or more.
Average premium for full coverage: $1,434
Policy rates broken down by type of insurance:
Estimates include $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Atlas trim levels.
Price Range Variability
Using a middle-aged driver as an example, Volkswagen Atlas insurance rates go from as low as $508 for just liability coverage to a much higher rate of $3,122 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates how where you live affects insurance prices.
The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area 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 breaks down estimated Volkswagen Atlas insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $819
- Raising to $1,000 deductibles will save approximately $186 every year
- The average rate for a good driver age 40 who has $500 deductibles is $1,434
- Selecting more expensive low deductibles will cost an extra $364 annually
- Drivers with serious driving violations could pay up to $3,122 or more
- Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $5,438
Insurance rates for a Volkswagen Atlas also range considerably based on your risk profile, the model of your Atlas, and liability limits and deductibles.
An older driver with no violations or accidents and high deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $5,400 a year. View Rates by Age
Your home state also has a big influence on Volkswagen Atlas insurance prices. A middle-age driver might find rates 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.
| 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 higher comprehensive and collision insurance deductibles can reduce rates by up to $550 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,700 to $2,400 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 132% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Every auto insurance company calculates rates differently, and rates will be varied 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
Finding cheaper rates on insurance for a Volkswagen Atlas consists of having a good driving record, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The next list is a review of the data that was touched on in the above illustrations.
- You may be able to save approximately $170 per year simply by shopping early and online
- Insureds who want increased levels of liability coverage will pay approximately $500 per year to raise from a 30/60 limit to 250/500 limits
- Drivers age 20 and younger are expensive to insure, with premiums being up to $453 each month including comprehensive and collision insurance
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,690 more annually to buy Volkswagen Atlas insurance
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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