Volkswagen Routan Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Jun 5, 2023
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U.S. average insurance prices for a Volkswagen Routan are $1,320 every 12 months for full coverage. Comprehensive insurance costs approximately $336, collision costs $532, and liability costs $316. Liability-only insurance costs as little as $376 a year, with high-risk driver insurance costing $2,826 or more. Teen drivers pay the highest rates at $4,716 a year or more.
Average premium for full coverage: $1,320
Price estimates by individual coverage:
Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for all Routan models.
Price Range from Low to High
For the normal driver, Volkswagen Routan insurance prices go from the cheapest price of $376 for the bare minimum liability coverage to the much higher price of $2,826 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location can have significant affects on car insurance rates. Rural locations have more infrequent accident claims than larger metro areas.
The example below illustrates how geographic area affects auto insurance prices.
The ranges above show why everyone should compare rates using their specific location and their own driving history, instead of using price 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 Information
The chart below shows estimated Volkswagen Routan insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $760
- Drivers who choose higher $1,000 deductibles will pay $200 a year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,320
- Choosing pricier low deductibles for comprehensive and collision insurance costs an extra $378 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,826 or more
- The price to insure a teen driver for full coverage can cost $4,716 a year
Car insurance prices for a Volkswagen Routan are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Routan.
Choosing high deductibles could save up to $580 every year, whereas buying more liability protection will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $285 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $4,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,100 extra each year, depending on your age. Volkswagen Routan insurance for high-risk drivers can cost as much as 45% to 127% more than average. View High Risk Driver Rates
The state you live in makes a big difference in Volkswagen Routan insurance prices. A 40-year-old driver could pay as low as $870 a year in states like Iowa, Maine, and Idaho, or as much as $1,880 on average in New York, Louisiana, and Michigan.
| 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% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see which company has the best price. Every company uses a different rate calculation, so rate quotes may be quite different.
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 Affordable Volkswagen Routan Insurance
Getting lower rates on car insurance not only requires having a decent driving record, but also maintaining a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Invest the time to compare rates every other policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following items are a brief review of the ideas that were presented in the illustrations above.
- 16 to 18-year-old drivers pay the highest auto insurance prices, with premiums as much as $393 a month if the policy includes full coverage
- Higher risk drivers with DUI or reckless driving convictions may pay on average $1,510 more per year than a driver with a clean driving record
- Increasing physical damage deductibles could save as much as $575 each year
- Drivers can save around $160 per year simply by quoting online well ahead of the renewal date
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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