Volkswagen Atlas Insurance Rates
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Estimated insurance prices for a Volkswagen Atlas are $960 every 12 months including full coverage. Comprehensive insurance costs around $154, collision costs $206, and liability is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing $2,064 or more. Teen drivers pay the most at $3,884 a year or more.
Average premium for full coverage: $960
Premium estimates for type of coverage:
Prices include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Atlas models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Volkswagen Atlas go from the cheapest price of $496 for liability-only coverage to the much higher price of $2,064 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.
The example below illustrates how where you live affects auto insurance rates.
These rate differences highlight why everyone should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based 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 Charts and Tables
The chart below breaks down estimated Volkswagen Atlas insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $586
- Raising to $1,000 deductibles will save about $82 every year
- The average price for a 40-year-old good driver using $500 deductibles is $960
- Choosing pricier low deductibles costs an extra $158 annually
- Drivers with multiple violations and an at-fault accident could pay at least $2,064 or more
- An auto insurance policy to insure a 16-year-old driver for full coverage can be $3,884
Insurance prices for a Volkswagen Atlas also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.
Choosing high deductibles can reduce prices by up to $240 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay as much as $3,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at least $1,100 to $1,600 extra annually, depending on your age. Volkswagen Atlas insurance for high-risk drivers is expensive and can cost from 41% to 127% more than average. View High Risk Driver Rates
Where you choose to live also has a big influence on Volkswagen Atlas insurance prices. A middle-age driver might find prices as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,370 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $870 | -$90 | -9.4% |
| Alaska | $738 | -$222 | -23.1% |
| Arizona | $800 | -$160 | -16.7% |
| Arkansas | $960 | -$0 | 0.0% |
| California | $1,094 | $134 | 14.0% |
| Colorado | $918 | -$42 | -4.4% |
| Connecticut | $988 | $28 | 2.9% |
| Delaware | $1,088 | $128 | 13.3% |
| Florida | $1,204 | $244 | 25.4% |
| Georgia | $886 | -$74 | -7.7% |
| Hawaii | $692 | -$268 | -27.9% |
| Idaho | $650 | -$310 | -32.3% |
| Illinois | $718 | -$242 | -25.2% |
| Indiana | $724 | -$236 | -24.6% |
| Iowa | $648 | -$312 | -32.5% |
| Kansas | $914 | -$46 | -4.8% |
| Kentucky | $1,312 | $352 | 36.7% |
| Louisiana | $1,424 | $464 | 48.3% |
| Maine | $594 | -$366 | -38.1% |
| Maryland | $794 | -$166 | -17.3% |
| Massachusetts | $770 | -$190 | -19.8% |
| Michigan | $1,670 | $710 | 74.0% |
| Minnesota | $804 | -$156 | -16.3% |
| Mississippi | $1,152 | $192 | 20.0% |
| Missouri | $852 | -$108 | -11.3% |
| Montana | $1,034 | $74 | 7.7% |
| Nebraska | $758 | -$202 | -21.0% |
| Nevada | $1,154 | $194 | 20.2% |
| New Hampshire | $692 | -$268 | -27.9% |
| New Jersey | $1,074 | $114 | 11.9% |
| New Mexico | $850 | -$110 | -11.5% |
| New York | $1,012 | $52 | 5.4% |
| North Carolina | $554 | -$406 | -42.3% |
| North Dakota | $786 | -$174 | -18.1% |
| Ohio | $664 | -$296 | -30.8% |
| Oklahoma | $988 | $28 | 2.9% |
| Oregon | $880 | -$80 | -8.3% |
| Pennsylvania | $918 | -$42 | -4.4% |
| Rhode Island | $1,282 | $322 | 33.5% |
| South Carolina | $870 | -$90 | -9.4% |
| South Dakota | $812 | -$148 | -15.4% |
| Tennessee | $844 | -$116 | -12.1% |
| Texas | $1,158 | $198 | 20.6% |
| Utah | $712 | -$248 | -25.8% |
| Vermont | $658 | -$302 | -31.5% |
| Virginia | $576 | -$384 | -40.0% |
| Washington | $746 | -$214 | -22.3% |
| West Virginia | $882 | -$78 | -8.1% |
| Wisconsin | $666 | -$294 | -30.6% |
| Wyoming | $858 | -$102 | -10.6% |
With such a large range in prices, the best way to figure out your exact price is to regularly compare prices from multiple companies. Every auto insurance company uses a different rate calculation, so the prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|
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 the Right Volkswagen Atlas Insurance
Finding better rates on insurance for a Volkswagen Atlas consists of being safe and accident-free, having good credit, refrain from filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop at least every other year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.
Below you'll find a quick rundown of the car insurance concepts touched on in the above illustrations.
- Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,100 more every year than a low-risk driver
- You may be able to save up to $110 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $250 each year
- Insureds who may need more liability protection will pay about $490 per year to raise from 30/60 bodily injury limits to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,884 |
| 20 | $2,200 |
| 30 | $978 |
| 40 | $960 |
| 50 | $882 |
| 60 | $864 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,118 |
| $250 | $1,046 |
| $500 | $960 |
| $1,000 | $878 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $960 |
| 50/100 | $1,048 |
| 100/300 | $1,159 |
| 250/500 | $1,446 |
| 100 CSL | $1,093 |
| 300 CSL | $1,336 |
| 500 CSL | $1,513 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,460 |
| 20 | $3,502 |
| 30 | $2,082 |
| 40 | $2,064 |
| 50 | $1,974 |
| 60 | $1,954 |
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 | $48 |
| Multi-vehicle | $51 |
| Homeowner | $17 |
| 5-yr Accident Free | $58 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $34 |
| Advance Quote | $42 |
| Online Quote | $64 |
| Total Discounts | $374 |
Discounts are estimated and may not be available from every company or in every state.
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