Volkswagen Routan Insurance Rates

The average insurance prices for a Volkswagen Routan are $1,320 every 12 months including full coverage. Comprehensive insurance costs around $336, collision costs $532, and liability is estimated at $316. Liability-only coverage costs approximately $376 a year, with high-risk coverage costing $2,826 or more. Teenage drivers cost the most to insure at $4,716 a year or more.

Average premium for full coverage: $1,320

Policy rates for type of insurance:

Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Routan models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than densely populated cities.

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

The examples above highlight why everyone should get quotes for a specific zip code and their own driving history, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

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

• The best discount rate is $760
• Choosing higher $1,000 deductibles can save about $200 every year
• The average price for a good driver age 40 using $500 deductibles is $1,320
• Using pricier low deductibles for comp and collision coverage costs an extra $378 annually
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,826 or more
• Policy cost to insure a 16-year-old driver for full coverage can be $4,716 each year

View Chart as Image

Insurance rates for a Volkswagen Routan also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles can save as much as $580 annually, whereas buying more liability protection will increase rates. Changing 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

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher 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 are likely paying at least $1,500 to $2,100 additional every year, depending on your age. Volkswagen Routan insurance for high-risk drivers ranges from 45% to 127% more than a normal policy. 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 $1,010 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,880 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, and rates will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Shop for the Best Volkswagen Routan Insurance

Finding cheaper rates on insurance for a Volkswagen Routan takes being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to compare rates at least every other year by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The items below are a brief recap of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,510 more every year to insure their Routan
• You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• Insureds who may need more liability coverage will pay an extra $350 per year to raise limits from a 30/60 limit to a 250/500 level