Volkswagen Atlas Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 16, 2024
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The average insurance prices for a Volkswagen Atlas are $1,476 every 12 months with full coverage. Comprehensive insurance costs an estimated $292, collision costs $574, and liability insurance costs $452. Liability-only insurance costs as little as $504 a year, with high-risk driver insurance costing $3,212 or more. 16-year-old drivers cost the most to insure at $5,564 a year or more.
Average premium for full coverage: $1,476
Policy rates broken down by type of insurance:
Prices are based on $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different Atlas trim levels.
Price Range Variability
For an average driver, Volkswagen Atlas insurance rates go from the cheapest price of $504 for just the minimum liability insurance to a much higher rate of $3,212 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. More rural locations are shown to have more infrequent collision claims than congested cities.
The price range example below illustrates the effect of geographic area on insurance prices.
The examples above demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, rather than relying on 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.
Additional Rate Analysis
The chart below details estimated Volkswagen Atlas insurance rates for other coverage scenarios.
- The best full coverage rate is $841
- Drivers who choose higher $1,000 deductibles will pay approximately $196 annually
- The average price for a good driver age 40 who has $500 deductibles is $1,476
- Buying more expensive low deductibles for comprehensive and collision insurance costs an extra $384 a year
- High risk drivers with multiple tickets or accidents could pay up to $3,212 or more
- Policy cost to insure a teen driver with full coverage can cost as much as $5,564 a year
Auto insurance rates for a Volkswagen Atlas also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.
Opting for high physical damage deductibles could save up to $580 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $5,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,800 to $2,400 in extra premium every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 136% more than the average rate. View High Risk Driver Rates
Your home state makes a big difference in Volkswagen Atlas insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like Utah, Ohio, and New Hampshire, or at least $1,990 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,334 | -$142 | -9.6% |
| Alaska | $1,132 | -$344 | -23.3% |
| Arizona | $1,224 | -$252 | -17.1% |
| Arkansas | $1,476 | -$0 | 0.0% |
| California | $1,680 | $204 | 13.8% |
| Colorado | $1,408 | -$68 | -4.6% |
| Connecticut | $1,518 | $42 | 2.8% |
| Delaware | $1,670 | $194 | 13.1% |
| Florida | $1,846 | $370 | 25.1% |
| Georgia | $1,362 | -$114 | -7.7% |
| Hawaii | $1,060 | -$416 | -28.2% |
| Idaho | $998 | -$478 | -32.4% |
| Illinois | $1,100 | -$376 | -25.5% |
| Indiana | $1,110 | -$366 | -24.8% |
| Iowa | $996 | -$480 | -32.5% |
| Kansas | $1,402 | -$74 | -5.0% |
| Kentucky | $2,012 | $536 | 36.3% |
| Louisiana | $2,184 | $708 | 48.0% |
| Maine | $910 | -$566 | -38.3% |
| Maryland | $1,216 | -$260 | -17.6% |
| Massachusetts | $1,180 | -$296 | -20.1% |
| Michigan | $2,562 | $1,086 | 73.6% |
| Minnesota | $1,234 | -$242 | -16.4% |
| Mississippi | $1,768 | $292 | 19.8% |
| Missouri | $1,308 | -$168 | -11.4% |
| Montana | $1,584 | $108 | 7.3% |
| Nebraska | $1,164 | -$312 | -21.1% |
| Nevada | $1,770 | $294 | 19.9% |
| New Hampshire | $1,064 | -$412 | -27.9% |
| New Jersey | $1,650 | $174 | 11.8% |
| New Mexico | $1,306 | -$170 | -11.5% |
| New York | $1,554 | $78 | 5.3% |
| North Carolina | $850 | -$626 | -42.4% |
| North Dakota | $1,208 | -$268 | -18.2% |
| Ohio | $1,020 | -$456 | -30.9% |
| Oklahoma | $1,514 | $38 | 2.6% |
| Oregon | $1,352 | -$124 | -8.4% |
| Pennsylvania | $1,408 | -$68 | -4.6% |
| Rhode Island | $1,970 | $494 | 33.5% |
| South Carolina | $1,336 | -$140 | -9.5% |
| South Dakota | $1,244 | -$232 | -15.7% |
| Tennessee | $1,292 | -$184 | -12.5% |
| Texas | $1,780 | $304 | 20.6% |
| Utah | $1,092 | -$384 | -26.0% |
| Vermont | $1,010 | -$466 | -31.6% |
| Virginia | $882 | -$594 | -40.2% |
| Washington | $1,140 | -$336 | -22.8% |
| West Virginia | $1,352 | -$124 | -8.4% |
| Wisconsin | $1,022 | -$454 | -30.8% |
| Wyoming | $1,314 | -$162 | -11.0% |
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates from as many companies as possible. Every company utilizes a different rate formula, and quoted rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Atlas | $358 | $690 | $390 | $1,596 |
| 2023 Volkswagen Atlas | $344 | $686 | $398 | $1,586 |
| 2022 Volkswagen Atlas | $332 | $668 | $416 | $1,574 |
| 2021 Volkswagen Atlas | $320 | $640 | $430 | $1,548 |
| 2020 Volkswagen Atlas | $304 | $618 | $442 | $1,522 |
| 2019 Volkswagen Atlas | $292 | $574 | $452 | $1,476 |
| 2018 Volkswagen Atlas | $280 | $540 | $456 | $1,434 |
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 Affordable Volkswagen Atlas Insurance
Finding cheaper rates on Volkswagen Atlas insurance not only requires being safe and accident-free, but also having a good credit score, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates once a year by requesting quotes from direct companies, and also from your local independent and exclusive agents.
Below you'll find a brief review of the data that was covered in the above illustrations.
- You may be able to save approximately $180 per year simply by shopping early and online
- Drivers who want more liability protection will pay around $500 every year to go from a 30/60 limit to a 250/500 level
- Youthful drivers are the costliest to insure, as much as $464 each month if comprehensive and collision insurance is included
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,740 more annually than a low-risk driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,564 |
| 20 | $3,430 |
| 30 | $1,536 |
| 40 | $1,476 |
| 50 | $1,348 |
| 60 | $1,324 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,860 |
| $250 | $1,680 |
| $500 | $1,476 |
| $1,000 | $1,280 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,476 |
| 50/100 | $1,566 |
| 100/300 | $1,679 |
| 250/500 | $1,973 |
| 100 CSL | $1,612 |
| 300 CSL | $1,860 |
| 500 CSL | $2,041 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,950 |
| 20 | $5,468 |
| 30 | $3,280 |
| 40 | $3,212 |
| 50 | $3,070 |
| 60 | $3,042 |
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 | $79 |
| Multi-vehicle | $79 |
| Homeowner | $22 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $68 |
| Advance Quote | $74 |
| Online Quote | $105 |
| Total Discounts | $635 |
Discounts are estimated and may not be available from every company or in every state.
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