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 prices for a Volkswagen Atlas are $1,434 every 12 months for full coverage insurance. Comprehensive insurance costs around $280 each year, collision costs $540, and liability coverage costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing $3,122 or more. 16-year-old drivers cost the most to insure at $5,438 a year or more.
Average premium for full coverage: $1,434
Policy rates for type of insurance:
Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Atlas models.
Price Range Variability
For a 40-year-old driver, Volkswagen Atlas insurance rates go from the cheapest price of $508 for just liability coverage to a high rate of $3,122 for high-risk insurance.
Urban vs. Rural Price Range
Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than congested cities.
The graphic below illustrates how your location can change auto insurance rates.
The examples above illustrate why all drivers should compare prices for a specific zip code and their own driving history, rather than using rate 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.
Detailed Rate Analysis
The chart below illustrates estimated Volkswagen Atlas insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $819
- Using higher $1,000 deductibles will save about $186 each year
- The average price for a good driver age 40 using $500 deductibles is $1,434
- Buying low deductibles for physical damage coverage costs an extra $364 each year
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,122 or more
- Policy cost to insure a teenage driver can be $5,438 or more
Insurance rates for a Volkswagen Atlas also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.
Opting for high physical damage deductibles could cut rates by as much as $550 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $5,400 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,700 to $2,400 additional every year, depending on your age. Insurance for high-risk drivers can be around 44% to 132% more than the average rate. View High Risk Driver Rates
Your home state has a huge impact on Volkswagen Atlas insurance rates. A driver around age 40 might see rates as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,940 on average in Michigan, New York, and Florida.
| 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% |
Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, and rates will be varied.
| 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 More Affordable Volkswagen Atlas Insurance
Finding cheaper rates on auto insurance requires avoiding accidents and violations, having above-average credit, being claim-free, and taking advantage of discounts. Invest the time to shop around every couple of years by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The list below is a summary of the material that was illustrated above.
- Consumers who may need higher liability limits will pay around $500 annually to increase from a 30/60 limit to a 250/500 level
- Teenagers are charged the highest rates, possibly costing $453 each month if full coverage is included
- Drivers who have multiple accidents or major violations may pay on average $1,690 more every year for car insurance
- Increasing comprehensive and collision deductibles could save as much as $550 each year
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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