Volkswagen Atlas Insurance Rates

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Volkswagen Atlas insurance

Average auto insurance rates for a Volkswagen Atlas are $960 annually for full coverage insurance. Comprehensive costs an estimated $154, collision costs $206, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing around $2,064. Teenage drivers receive the highest rates at $3,884 a year or more.

Average premium for full coverage: $960

Rate estimates broken down by individual coverage type:

Comprehensive $154
Collision $206
Liability $442

Rates are based on $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for different Atlas trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from as cheap as $496 for your basic liability-only policy to a much higher rate of $2,064 for high-risk insurance.

Liability Only $496
Full Coverage $960
High Risk $2,064

Price Range by Location

Where you live can make a big difference on the price of insurance. More rural locations tend to have fewer physical damage claims than densely populated cities.

The price range example below illustrates the difference location can make on insurance prices.

Rural Areas $720
Small Cities $1,008
Large Cities $1,296

These examples illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of making a decision based 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.

More Rate Information

The chart below illustrates estimated Volkswagen Atlas insurance rates for other coverage scenarios.

  • The best discount rate is $586
  • Using higher $1,000 deductibles will save approximately $82 each year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $960
  • Using more expensive low deductibles for physical damage coverage will cost $1,118
  • High-risk insureds who are prone to accidents and violations could pay up to $2,064 or more
  • The cost with full coverage for a 16-year-old driver with full coverage can cost as much as $3,884 or more

View Chart as Image

Volkswagen Atlas insurance cost comparison chart
Column chart showing full coverage Volkswagen Atlas insurance rates range from $586 to $3,884

Auto insurance rates for a Volkswagen Atlas can also vary considerably based on the trim level of your Atlas, your risk profile, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may pay as low as $900 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $3,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,100 to $1,600 in extra premium per year, depending on your age. High-risk driver insurance can be from 41% to 127% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $240 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Volkswagen Atlas insurance prices. A driver around age 40 might see rates as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,300 on average in Florida, New York, and Michigan.

Volkswagen Atlas Insurance Rates by State
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%

View Chart as Image

Volkswagen Atlas insurance rates by U.S. city

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different between companies.

Volkswagen Atlas Insurance Rates by Model Year
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 Buy the Best Cheap Volkswagen Atlas Insurance

Saving money on insurance for a Volkswagen Atlas requires avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates every couple of years by requesting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The points below are a quick review of the material that was touched on in this article.

  • Insureds who want increased liability limits will pay an extra $490 annually to increase from a minimum limit to higher 250/500 limits
  • Drivers under the age of 20 are the costliest to insure, costing up to $324 per month if full coverage is included
  • Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,100 more annually to insure a Volkswagen Atlas
  • Increasing deductibles could save up to $250 each year

Rates by Driver Age

Volkswagen Atlas Insurance 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

Volkswagen Atlas Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,118
$250 $1,046
$500 $960
$1,000 $878

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Atlas Insurance Rates with Different Liability Limits
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

Volkswagen Atlas Insurance 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.

SR-22 Surcharge $127

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
Rate after discounts $586

Discounts are estimated and may not be available from every company or in every state.

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