Volkswagen Atlas Insurance Rates

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UPDATED: Apr 16, 2024

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Volkswagen Atlas insurance

Average insurance prices for a Volkswagen Atlas are $1,434 every 12 months with full coverage. Comprehensive insurance costs on average $280 each year, collision insurance costs $540, and liability is $456. Buying just liability costs around $508 a year, and insurance for high-risk drivers costs $3,122 or more. Teens receive the highest rates at up to $5,438 a year.

Average premium for full coverage: $1,434

Rate estimates by individual coverage type:

Comprehensive $280
Collision $540
Liability $456

Estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and Atlas models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from the cheapest price of $508 for the bare minimum liability coverage to a high rate of $3,122 for high-risk insurance.

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

Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas tend to have more infrequent collision claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on car insurance rates.

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

These examples demonstrate why all drivers should compare rates quotes based on a specific location and their own driving history, 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.

Additional Rate Information

The chart below details average Volkswagen Atlas insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $819
  • Raising to $1,000 deductibles will save around $186 annually
  • The average price for a 40-year-old driver with $500 deductibles is $1,434
  • Selecting low deductibles costs an extra $364 annually
  • Drivers with serious driving violations could pay upwards of $3,122
  • The cost to insure a 16-year-old driver may cost $5,438

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

Auto insurance rates for a Volkswagen Atlas can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your Atlas.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $550 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $5,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,700 to $2,400 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 132% more than the average policy. View High Risk Driver Rates

Where you live also has a big influence on Volkswagen Atlas insurance prices. A middle-age driver might find rates as low as $1,030 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,940 on average in Florida, Michigan, and New York.

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
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 Shop for Low Cost Volkswagen Atlas Insurance

Saving money on insurance for a Volkswagen Atlas consists of being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates every couple of years by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a review of the material that was touched on in this article.

  • Insureds who require more liability coverage will pay approximately $500 every year to raise from a minimum limit to a 250/500 level
  • Teen drivers are charged the highest rates, with premiums as much as $453 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk who have several accidents or serious violations may pay on average $1,690 more each year to insure their Atlas
  • Increasing deductibles could save as much as $550 each year

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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