Volkswagen Atlas Insurance Rates
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Michelle Robbins
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UPDATED: Apr 16, 2024
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Estimated insurance rates for a Volkswagen Atlas are $1,434 a year including full coverage. Comprehensive insurance costs around $280, collision costs $540, and liability insurance is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing $3,122 or more. Teenage drivers pay the most at $5,438 a year or more.
Average premium for full coverage: $1,434
Premium estimates for type of coverage:
Prices are based on $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different Atlas trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Volkswagen Atlas go from as low as $508 for just the minimum liability insurance to a much higher rate of $3,122 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.
The price range example below illustrates the difference location can make on auto insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than relying on average rates.
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 Analysis
The chart below breaks down estimated Volkswagen Atlas insurance rates for additional coverage choices and driver risks.
- The best discount rate is $819
- Raising to $1,000 deductibles will save about $186 every year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,434
- Using more expensive low deductibles will cost an extra $364 a year
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,122 or more
- An auto insurance policy for full coverage for a teen driver with full coverage can be $5,438
Insurance prices for a Volkswagen Atlas also have a wide range based on your driving characteristics, the model of your Atlas, and deductibles and policy limits.
An older driver with a clean driving record and high deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $5,400 a year. View Rates by Age
Where you choose to live also has a big influence on Volkswagen Atlas insurance rates. A middle-age driver might find prices as low as $1,100 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,050 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles can reduce prices by up to $550 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at least $1,700 to $2,400 extra annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the best way to figure out your exact price is to compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different 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 Affordable Volkswagen Atlas Insurance
Finding better rates on Volkswagen Atlas insurance consists of being a safe and courteous driver, maintaining good credit, refrain from filing small claims, and insuring your home and auto with the same company. Make time to compare rates every couple of years by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below is a brief review of the material that was touched on in this article.
- Drivers who may need higher levels of liability will pay an extra $500 per year to raise from 30/60 bodily injury limits to 250/500 limits
- Teenage drivers pay higher prices, with the cost nearing $453 per month for full coverage
- High-risk drivers with DUI or reckless driving convictions pay on average $1,690 more every year for auto insurance
- Increasing policy deductibles can save around $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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