Volkswagen Routan Insurance Rates
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Michelle Robbins
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UPDATED: Jun 5, 2023
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The average insurance prices for a Volkswagen Routan are $1,320 every 12 months with full coverage. Comprehensive insurance costs around $336 a year, collision insurance costs $532, and liability is estimated at $316. Liability-only coverage costs approximately $376 a year, and high-risk coverage costs $2,826 or more. 16-year-old drivers cost the most to insure at up to $4,716 a year.
Average premium for full coverage: $1,320
Policy rates for type of insurance:
Rate estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Routan trim levels.
Price Range Variability
Using a middle-aged driver as an example, Volkswagen Routan insurance rates range from the cheapest price of $376 for basic liability insurance to a high of $2,826 for a high-risk driver policy.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than congested cities. The diagram below illustrates how where you live affects auto insurance rates.
The examples above demonstrate why it is important to get quotes for a specific zip code and their own driving history, instead of 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.
Rate Comparisons
The chart below details average Volkswagen Routan insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $760
- Choosing higher $1,000 deductibles can save about $1,120 annually
- The average price for a good driver age 40 using $500 deductibles is $1,320
- Buying low $100 deductibles for comp and collision coverage costs an extra $378 every year
- Unlucky drivers with multiple tickets or accidents could pay at least $2,826
- Policy cost to insure a teen driver can be $4,716 each year
Insurance rates for a Volkswagen Routan also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $580 every year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $285 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $4,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy ranges as much as 45% to 127% more than the average rate. View High Risk Driver Rates
Your home state plays a big part in determining prices for Volkswagen Routan insurance prices. A good driver about age 40 could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or at least $1,780 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,190 | -$130 | -9.8% |
| Alaska | $1,012 | -$308 | -23.3% |
| Arizona | $1,094 | -$226 | -17.1% |
| Arkansas | $1,320 | -$0 | 0.0% |
| California | $1,502 | $182 | 13.8% |
| Colorado | $1,258 | -$62 | -4.7% |
| Connecticut | $1,354 | $34 | 2.6% |
| Delaware | $1,492 | $172 | 13.0% |
| Florida | $1,646 | $326 | 24.7% |
| Georgia | $1,220 | -$100 | -7.6% |
| Hawaii | $948 | -$372 | -28.2% |
| Idaho | $894 | -$426 | -32.3% |
| Illinois | $982 | -$338 | -25.6% |
| Indiana | $992 | -$328 | -24.8% |
| Iowa | $890 | -$430 | -32.6% |
| Kansas | $1,250 | -$70 | -5.3% |
| Kentucky | $1,800 | $480 | 36.4% |
| Louisiana | $1,952 | $632 | 47.9% |
| Maine | $814 | -$506 | -38.3% |
| Maryland | $1,088 | -$232 | -17.6% |
| Massachusetts | $1,050 | -$270 | -20.5% |
| Michigan | $2,290 | $970 | 73.5% |
| Minnesota | $1,104 | -$216 | -16.4% |
| Mississippi | $1,580 | $260 | 19.7% |
| Missouri | $1,170 | -$150 | -11.4% |
| Montana | $1,416 | $96 | 7.3% |
| Nebraska | $1,038 | -$282 | -21.4% |
| Nevada | $1,582 | $262 | 19.8% |
| New Hampshire | $952 | -$368 | -27.9% |
| New Jersey | $1,474 | $154 | 11.7% |
| New Mexico | $1,164 | -$156 | -11.8% |
| New York | $1,388 | $68 | 5.2% |
| North Carolina | $758 | -$562 | -42.6% |
| North Dakota | $1,082 | -$238 | -18.0% |
| Ohio | $908 | -$412 | -31.2% |
| Oklahoma | $1,352 | $32 | 2.4% |
| Oregon | $1,210 | -$110 | -8.3% |
| Pennsylvania | $1,256 | -$64 | -4.8% |
| Rhode Island | $1,760 | $440 | 33.3% |
| South Carolina | $1,196 | -$124 | -9.4% |
| South Dakota | $1,112 | -$208 | -15.8% |
| Tennessee | $1,154 | -$166 | -12.6% |
| Texas | $1,590 | $270 | 20.5% |
| Utah | $976 | -$344 | -26.1% |
| Vermont | $902 | -$418 | -31.7% |
| Virginia | $790 | -$530 | -40.2% |
| Washington | $1,016 | -$304 | -23.0% |
| West Virginia | $1,210 | -$110 | -8.3% |
| Wisconsin | $912 | -$408 | -30.9% |
| Wyoming | $1,174 | -$146 | -11.1% |

Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volkswagen Routan S 2WD | $1,170 | $98 |
| Volkswagen Routan SE 2WD | $1,274 | $106 |
| Volkswagen Routan SEL 2WD | $1,394 | $116 |
| Volkswagen Routan SEL Premium 6 Cyl 2WD | $1,440 | $120 |
Rates assume 2026 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Volkswagen Routan | $176 | $222 | $402 | $936 |
Rates are averaged for all Volkswagen Routan 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 the Best Volkswagen Routan Insurance
Finding cheaper rates on car insurance takes being a safe and courteous driver, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Take the time to comparison shop every time your policy renews by quoting rates from direct companies, and also from several local insurance agents.
Below is a brief recap of the information touched on in the above illustrations.
- You may be able to save up to $160 per year just by quoting early and online
- Teenage drivers are charged the highest rates, as much as $393 each month if full coverage is included
- Increasing comprehensive and collision deductibles could save as much as $575 each year
- Higher risk drivers who tend to receive serious violations pay on average $1,510 more every year for auto insurance
- Policyholders who may need higher levels of liability will pay around $350 every year to raise limits from a 30/60 limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,716 |
| 20 | $3,000 |
| 30 | $1,386 |
| 40 | $1,320 |
| 50 | $1,202 |
| 60 | $1,178 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,698 |
| $250 | $1,524 |
| $500 | $1,320 |
| $1,000 | $1,120 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,320 |
| 50/100 | $1,503 |
| 100/300 | $1,582 |
| 250/500 | $1,788 |
| 100 CSL | $1,535 |
| 300 CSL | $1,709 |
| 500 CSL | $1,835 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,750 |
| 20 | $4,760 |
| 30 | $2,898 |
| 40 | $2,826 |
| 50 | $2,688 |
| 60 | $2,662 |
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 | $71 |
| Multi-vehicle | $66 |
| Homeowner | $18 |
| 5-yr Accident Free | $98 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $62 |
| Advance Quote | $65 |
| Online Quote | $95 |
| Total Discounts | $560 |
Discounts are estimated and may not be available from every company or in every state.
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