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 including full coverage. Comprehensive costs around $292 a year, collision costs $574, and liability coverage costs $452. Buying just liability costs as little as $504 a year, with insurance for high-risk drivers costing around $3,212. 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 for type of insurance:
Price estimates include $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Atlas trim levels.
Price Range Variability
Using a middle-aged driver as an example, Volkswagen Atlas insurance rates go from the cheapest price of $504 for just the minimum liability insurance to a high of $3,212 for high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than congested cities.
The diagram below illustrates how where you live affects auto insurance rates.
The examples above highlight why it is important to compare rates for a specific zip code and their own driving history, 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.
Additional Rate Analysis
The chart below breaks down estimated Volkswagen Atlas insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $841
- Drivers who choose higher $1,000 deductibles will pay about $1,280 every year
- The average price for a good driver age 40 using $500 deductibles is $1,476
- Buying low $100 deductibles for comprehensive and collision insurance increases the price to $1,860
- High-risk insureds with multiple tickets or accidents could pay at least $3,212 or more
- Policy cost to insure a teenage driver can be $5,564 a year
Insurance rates for a Volkswagen Atlas also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.
Opting for high physical damage deductibles could save up to $580 a year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $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 are likely paying at least $1,800 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy can cost around 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 $1,130 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,100 on average in Michigan, New York, and Louisiana.
| 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 figure out your exact price is to get quotes and see how they stack up. Every company utilizes a different rate formula, so the 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 Cheaper Volkswagen Atlas Insurance
Finding cheaper rates on auto insurance not only requires having a good driving record, but also having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to comparison shop every couple of years by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.
The next list is a condensed summary of the material that was touched on in the above illustrations.
- Consumers who may need increased levels of liability coverage will pay around $500 per year to go from a 30/60 limit to a 250/500 level
- Drivers age 20 and younger pay higher rates, with premiums being up to $464 each month if they have full coverage
- Drivers with multiple at-fault accidents could be forced to pay on average $1,740 more every year to buy Volkswagen Atlas insurance
- Increasing comprehensive and collision deductibles could save as much as $575 each year
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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