Volkswagen Atlas Insurance Rates
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UPDATED: Apr 16, 2024
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U.S. average insurance rates for a Volkswagen Atlas are $1,434 a year with full coverage. Comprehensive insurance costs around $280 a year, collision insurance costs $540, and liability coverage is estimated at $456. Buying just liability costs approximately $508 a year, and insurance for high-risk drivers costs $3,122 or more. 16-year-old drivers pay the highest rates at up to $5,438 a year.
Average premium for full coverage: $1,434
Price estimates for individual coverage:
Prices include $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Atlas trim levels.
Price Range from Low to High
For a 40-year-old driver, Volkswagen Atlas insurance prices range from the low end price of $508 for a discount liability-only rate to a high of $3,122 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city has a large influence on insurance rates. Areas with sparse population have lower incidents of collision claims than congested cities. The diagram below illustrates how your location can change auto insurance rates.
The ranges above demonstrate why it is important to get quotes for a specific zip code, rather than using 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.
Rates by State, City, and Model
The chart below details average Volkswagen Atlas insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $819
- Choosing higher $1,000 deductibles can save about $1,248 annually
- The estimated price for the average middle-age driver using $500 deductibles is $1,434
- Buying low $100 deductibles for comp and collision coverage will cost an additional $364 each year
- Drivers with multiple tickets or accidents could pay at least $3,122
- The price that insures a teenage driver can be $5,438 each year
Insurance prices for a Volkswagen Atlas are also quite variable based on the trim level of your Atlas, your age and driving habits, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you may be forking out at least $1,700 to $2,400 additional each year, depending on your age. A high-risk auto insurance policy ranges around 44% to 132% more than the average rate. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,400 a year. View Rates by Age
The state you live in plays a big part in determining prices for Volkswagen Atlas insurance rates. A good driver about age 40 could pay as low as $1,030 a year in states like New Hampshire, Ohio, and Utah, or at least $1,940 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles can save as much as $550 a year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit
| 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 the Right Volkswagen Atlas Insurance
Getting lower rates on auto insurance takes not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Comparison shop at least once a year by quoting rates from direct companies, and also from your local independent and exclusive agents.
The following is a quick rundown of the primary concepts that were illustrated above.
- You may be able to save up to $170 per year just by quoting early and online
- Drivers with reckless driving or DUI convictions may pay on average $1,690 more every year for Atlas insurance
- Increasing physical damage deductibles can save approximately $550 each year
- Teens are charged the highest prices, costing up to $453 a month if comprehensive and collision insurance is included
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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