Volkswagen Routan Insurance Rates

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UPDATED: Jun 5, 2023

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U.S. average insurance prices for a Volkswagen Routan are $1,320 every 12 months with full coverage. Comprehensive insurance costs around $336, collision costs $532, and liability insurance is $316. A policy with just liability insurance costs around $376 a year, with coverage for high-risk drivers 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 for individual coverage:

Comprehensive $336
Collision $532
Liability $316

Rates are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Routan models.

Price Range from Low to High

For an average driver, Volkswagen Routan insurance prices go from the cheapest price of $376 for just liability insurance to the much higher price of $2,826 for a driver who has had serious violations or accidents.

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

Geographic Price Range

Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population have more infrequent collision claims than larger metro areas.

The example below illustrates the effect of geographic area on auto insurance rates.

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

The ranges above demonstrate why everyone should compare rates quotes for a specific zip code and their own driving history, rather than relying on 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.

More Rate Details

The chart below details estimated Volkswagen Routan insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $760
  • Raising to $1,000 deductibles will save about $200 annually
  • The average price for the average middle-age driver using $500 deductibles is $1,320
  • Choosing pricier low deductibles costs an extra $378 a year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,826 or more
  • The price to insure a teen driver for full coverage can be $4,716

View Chart as Image

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

Insurance prices for a Volkswagen Routan are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.

Choosing high deductibles can reduce prices by up to $580 each year, whereas buying more liability protection will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $285 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay as much as $4,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 extra each year, depending on your age. Volkswagen Routan insurance for high-risk drivers is expensive and can cost anywhere from 45% to 127% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Volkswagen Routan insurance rates. A middle-age driver might find prices as low as $950 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,780 on average in Florida, Michigan, and New York.

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

Since prices can be so different, the best way to find out your exact price is to regularly compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, so the prices may be quite different.

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 Shop for the Best Cheap Volkswagen Routan Insurance

Getting lower rates on Volkswagen Routan insurance consists of being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates every other policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a quick review of the ideas that were covered in the above illustrations.

  • Teenage drivers pay higher prices, costing up to $393 a month if they have full coverage
  • High-risk drivers with a DUI or reckless driving violation pay on average $1,510 more every year for auto insurance
  • Increasing physical damage deductibles could save as much as $575 each year
  • You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date

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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