Volkswagen Atlas Insurance Rates

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UPDATED: Apr 16, 2024

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Volkswagen Atlas insurance

U.S. average auto insurance rates for a Volkswagen Atlas are $1,476 annually for full coverage. Comprehensive costs on average $292, collision costs $574, and liability insurance is estimated at $452. Liability-only coverage costs approximately $504 a year, with high-risk coverage costing around $3,212. Teens pay the highest rates at $5,564 a year or more.

Average premium for full coverage: $1,476

Price estimates by individual coverage:

Comprehensive $292
Collision $574
Liability $452

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for all Atlas models.

Price Range from Low to High

Using a middle-aged driver as an example, Volkswagen Atlas insurance prices go from as cheap as $504 for a discount liability-only rate to the much higher price of $3,212 for a driver who has had serious violations or accidents.

Liability Only $504
Full Coverage $1,476
High Risk $3,212

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas have fewer accident claims than cities with more traffic congestion.

The example below illustrates how where you live affects car insurance rates.

Rural Areas $1,107
Small Cities $1,550
Large Cities $1,993

The ranges above show why everyone should get quotes based on a specific location and their own personal driving habits, 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.

Rates by State, City, and Model

The chart below shows estimated Volkswagen Atlas insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $841
  • Choosing higher $1,000 deductibles can save around $196 a year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,476
  • Selecting pricier low deductibles for comp and collision coverage will cost $1,860
  • High-risk insureds with serious driving violations could pay upwards of $3,212 or more
  • The price with full coverage for a teen driver for full coverage may cost $5,564 each year

View Chart as Image

Volkswagen Atlas insurance cost comparison chart
Column chart showing full coverage Volkswagen Atlas insurance rates range from $841 to $5,564

Auto insurance prices for a Volkswagen Atlas are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $5,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,800 to $2,400 in extra premium each year, depending on your age. Volkswagen Atlas insurance for high-risk drivers ranges anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $580 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit

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 $970 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,100 on average in Michigan, Louisiana, and New York.

Volkswagen Atlas Insurance Rates by State
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%

View Chart as Image

Volkswagen Atlas insurance rates by U.S. city

Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices from as many companies as possible. Each auto insurer calculates prices differently, and quoted prices may be quite different between companies.

Volkswagen Atlas Insurance Rates by Model Year
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 Buy Cheaper Volkswagen Atlas Insurance

Getting lower rates on Volkswagen Atlas insurance takes avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The points below are a condensed summary of the ideas that were touched on in the above illustrations.

  • Drivers under the age of 20 are charged the highest prices, with premiums as much as $464 a month if full coverage is included
  • High-risk drivers with multiple at-fault accidents may be required to pay an average of $1,740 more each year to insure a Volkswagen Atlas
  • Increasing physical damage deductibles could save up to $575 each year
  • Drivers can save as much as $180 per year simply by quoting online well ahead of the renewal date

Rates by Driver Age

Volkswagen Atlas Insurance 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

Volkswagen Atlas Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,860
$250 $1,680
$500 $1,476
$1,000 $1,280

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Atlas Insurance Rates with Different Liability Limits
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

Volkswagen Atlas Insurance 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.

SR-22 Surcharge $211

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
Rate after discounts $841

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

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