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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The average insurance prices for a Volkswagen Routan are $1,320 every 12 months including full coverage. Comprehensive costs on average $336, collision costs $532, and liability insurance costs around $316. Liability-only insurance costs as low as $376 a year, with high-risk driver insurance costing around $2,826. 16-year-old drivers cost the most to insure at $4,716 a year or more.
Average premium for full coverage: $1,320
Policy rates by type of insurance:
Estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Routan models.
Price Range Variability
Using a middle-aged driver as an example, Volkswagen Routan insurance rates go from the cheapest price of $376 for liability-only coverage to the much higher price of $2,826 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than congested cities.
The example below illustrates how where you live affects car insurance rates.
The examples above highlight why everyone should compare prices based on a specific location and their own driving history, rather than relying on 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 Charts and Tables
The chart below breaks down estimated Volkswagen Routan insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $760
- Using higher $1,000 deductibles will save around $200 every year
- The average price for a good driver age 40 with $500 deductibles is $1,320
- Buying pricier low deductibles for physical damage coverage increases the price to $1,698
- Drivers with multiple tickets or accidents could pay upwards of $2,826 or more
- Policy cost to insure a teen driver for full coverage may cost $4,716 or more
Auto insurance rates for a Volkswagen Routan also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Routan.
Opting for high physical damage deductibles could cut rates by as much as $580 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $285 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay upwards of $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 are likely paying at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. Volkswagen Routan insurance for high-risk drivers can be anywhere from 45% to 127% more than the average rate. View High Risk Driver Rates
Your home state has a huge impact on Volkswagen Routan insurance rates. A driver around age 40 might see rates as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,880 on average in Michigan, New York, and Louisiana.
| 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% |
Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted rates will be varied.
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 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.
| 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 Shop for Low Cost Volkswagen Routan Insurance
Finding cheaper rates on Volkswagen Routan insurance requires being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to comparison shop at least once a year by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.
The items below are a review of the primary concepts that were touched on in the above illustrations.
- You may be able to save as much as $160 per year simply by quoting online well ahead of the renewal date
- High-risk drivers who have several accidents or serious violations may pay on average $1,510 more each year to insure their Routan
- Increasing comprehensive and collision deductibles could save as much as $575 each year
- Teen drivers are charged the highest rates, with premiums being up to $393 each month if comprehensive and collision insurance is included
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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