Volkswagen Atlas Insurance Rates
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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 including full coverage. Comprehensive costs approximately $280 a year, collision costs $540, and liability insurance costs $456. Liability-only insurance costs as little as $508 a year, with high-risk driver insurance costing around $3,122. Teens cost the most to insure at $5,438 a year or more.
Average premium for full coverage: $1,434
Policy rates by type of insurance:
Prices are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Atlas trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Volkswagen Atlas insurance rates go from the cheapest price of $508 for your basic liability-only policy to a high of $3,122 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates how rural and urban location affects auto insurance prices.
The examples above highlight why it is important to compare rates using their specific location and their own driving history, rather than relying on averaged prices.
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.
More Rate Information
The chart below breaks down estimated Volkswagen Atlas insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $819
- Drivers who choose higher $1,000 deductibles will pay $1,248 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,434
- Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,798
- High risk drivers with serious driving violations could pay around $3,122 or more
- Policy cost to insure a teen driver can cost $5,438 a year
Auto insurance rates for a Volkswagen Atlas also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Atlas.
Choosing higher comprehensive and collision insurance deductibles could save up to $550 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $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 likely paying anywhere from $1,700 to $2,400 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 132% more than the average policy. 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 $1,100 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,050 on average in Louisiana, New York, 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% |
Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Every company calculates rates differently, and quoted 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 Affordable Volkswagen Atlas Insurance
Finding cheaper rates on Volkswagen Atlas insurance not only requires being a low-risk driver, but also having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Set aside time to shop around once a year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.
The items below are a brief review of the data that was raised in the charts and tables above.
- You may be able to save around $170 per year simply by quoting early and online
- Drivers who purchase more liability coverage will pay approximately $500 per year to go from a 30/60 limit to a 250/500 level
- Teen drivers have the highest car insurance rates, with premiums being up to $453 each month if comprehensive and collision insurance is included
- High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,690 more per year to insure their Atlas
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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