Volkswagen Atlas Insurance Rates
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Michelle Robbins
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UPDATED: Apr 16, 2024
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Average insurance prices for a Volkswagen Atlas are $1,434 every 12 months for full coverage. Comprehensive costs an estimated $280, collision costs $540, and liability insurance is estimated at $456. A liability-only policy costs approximately $508 a year, with high-risk insurance costing around $3,122. Teen drivers receive the highest rates at $5,438 a year or more.
Average premium for full coverage: $1,434
Rate estimates broken down by individual coverage type:
Estimates include $500 physical damage deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for different Atlas trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $508 for the bare minimum liability coverage to a much higher rate of $3,122 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on insurance rates. More rural locations tend to have more infrequent accident claims than larger metro areas.
The price range example below illustrates how rural and urban location affects insurance prices.
These examples show why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, rather than relying 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 Information
The chart below shows 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 a year
- The average price for a 40-year-old driver who has $500 deductibles is $1,434
- Choosing more expensive low deductibles for comp and collision coverage increases the price to $1,798
- High-risk insureds with multiple violations and an at-fault accident could pay up to $3,122 or more
- The cost to insure a teen driver with full coverage can cost as much as $5,438 each year
Insurance rates for a Volkswagen Atlas can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.
Choosing high deductibles can save as much as $550 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay at least $5,400 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying $1,700 to $2,400 extra per year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 132% more than average. View High Risk Driver Rates
Where you live plays a big part in determining prices for Volkswagen Atlas insurance rates. A good driver about age 40 could pay as low as $950 a year in states like Iowa, Maine, and Idaho, or as much as $2,050 on average in New York, Louisiana, 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% |
With so much variability in rates, the only way to know which company is cheapest is to compare rates from as many companies as possible. Each auto insurer uses a different rate calculation, so the rates can be significantly different.
| 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 Volkswagen Atlas insurance takes being a safe and courteous driver, having good credit, eliminating unneeded coverage, and taking advantage of discounts. Set aside time to shop around once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a review of the data that was raised in the charts and tables above.
- Drivers can save approximately $170 per year simply by shopping early and online
- Drivers who want higher levels of liability will pay about $500 each year to raise limits from a minimum limit to a 250/500 level
- Teenage drivers are charged the highest rates, costing as high as $453 per month if they have full coverage
- High-risk drivers who have several accidents or serious violations pay on average $1,690 more annually for auto 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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