Volkswagen Routan Insurance Rates

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UPDATED: Jun 5, 2023

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Estimated auto insurance rates for a Volkswagen Routan are $1,320 annually for full coverage. Comprehensive costs an estimated $336 a year, collision insurance costs $532, and liability costs around $316. A liability-only policy costs as low as $376 a year, and high-risk insurance costs around $2,826. Teenage drivers pay the most at up to $4,716 a year.

Average premium for full coverage: $1,320

Premium estimates broken down by type of coverage:

Comprehensive $336
Collision $532
Liability $316

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Routan trim levels.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Volkswagen Routan range from as cheap as $376 for your basic liability-only policy to a high of $2,826 for coverage for higher-risk drivers.

Liability Only $376
Full Coverage $1,320
High Risk $2,826

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. More rural locations are statistically proven to have fewer accident claims than densely populated cities. The diagram below illustrates the difference location can make on insurance prices.

Rural Areas $990
Small Cities $1,386
Large Cities $1,782

These rate differences show why it is important to 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 shows average Volkswagen Routan insurance rates for other coverage scenarios.

  • The best discount rate is $760
  • Using higher $1,000 deductibles will save approximately $1,120 a year
  • The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,320
  • Using low $100 deductibles for physical damage coverage will cost $1,698
  • High-risk insureds who are prone to accidents and violations could pay up to $2,826
  • An auto insurance policy with full coverage for a 16-year-old driver can cost as much as $4,716 or more

View Chart as Image

Volkswagen Routan insurance cost comparison chart
Column chart showing Volkswagen Routan insurance rates range from $760 to $4,716 for full coverage

Auto insurance prices for a Volkswagen Routan also have a wide range based on the model of your Routan, your driver profile, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $1,500 to $2,100 in extra premium annually, depending on your age. A high-risk auto insurance policy can be from 45% to 127% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $580 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $285 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Volkswagen Routan insurance prices. A driver around age 40 might see prices as low as $870 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,880 on average in New York, Louisiana, and Michigan.

Volkswagen Routan Insurance Rates by State
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%

View Chart as Image

Volkswagen Routan insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Volkswagen Routan Insurance Rates by Model and Trim Level
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 2025 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.

Volkswagen Routan Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2012 Volkswagen Routan $190 $244 $406 $976

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 Buy the Best Volkswagen Routan Insurance

Finding better rates on insurance for a Volkswagen Routan requires being a good driver, having above-average credit, not filing small claims, and consideration of higher deductibles. Make time to compare rates at least once a year by getting quotes from direct carriers, and also from local exclusive and independent agents.

The following list is a brief recap of the primary concepts that were touched on in this article.

  • Drivers can save approximately $160 per year just by quoting early and online
  • Drivers considered higher risk who tend to receive serious violations may pay on average $1,510 more annually than a safer driver
  • Increasing policy deductibles could save up to $575 each year
  • Drivers age 16 to 20 are the costliest to insure, as much as $393 per month if full coverage is included

Rates by Driver Age

Volkswagen Routan Insurance 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

Volkswagen Routan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,698
$250 $1,524
$500 $1,320
$1,000 $1,120

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Routan Insurance Rates with Different Liability Limits
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

Volkswagen Routan Insurance 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.

SR-22 Surcharge $179

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
Rate after discounts $760

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

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