Volkswagen Routan Insurance Rates
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Michelle Robbins
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UPDATED: Jun 5, 2023
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Estimated insurance rates for a Volkswagen Routan are $1,320 a year for full coverage. Comprehensive costs around $336, collision costs $532, and liability is $316. Liability-only insurance costs around $376 a year, with high-risk driver insurance costing around $2,826. 16-year-old drivers pay the most at $4,716 a year or more.
Average premium for full coverage: $1,320
Premium estimates for type of coverage:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different Routan trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Volkswagen Routan go from as low as $376 for a discount liability-only rate to a much higher rate of $2,826 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than congested cities.
The price range example below illustrates the difference location can make on auto insurance rates.
These rate differences show why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of making a decision based 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.
Rates by State, City, and Model
The chart below shows estimated Volkswagen Routan insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $760
- Raising to $1,000 deductibles will save about $200 a year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,320
- Buying more expensive low deductibles will increase the cost to $1,698
- Drivers with multiple tickets or accidents could pay at least $2,826 or more
- An auto insurance policy for full coverage for a 16-year-old driver with full coverage can be $4,716
Insurance prices for a Volkswagen Routan also have a wide range based on your driving characteristics, the trim level of your Routan, and deductibles and policy limits.
An older driver with no violations or accidents and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay as much as $4,700 a year. View Rates by Age
Where you choose to live also has a big influence on Volkswagen Routan insurance prices. A middle-age driver might find prices as low as $870 a year in states like Idaho, Maine, and Iowa, or at least $1,880 on average in Michigan, Louisiana, and New York.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $580 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $285 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at least $1,500 to $2,100 additional annually, depending on your age. High-risk driver insurance is expensive and can cost from 45% to 127% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the only way to know your exact price is to compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, and prices will be substantially different from one company to the next.
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 Find Cheap Volkswagen Routan Insurance
Finding better rates on insurance for a Volkswagen Routan consists of being safe and accident-free, having a good credit history, not filing small claims, and taking advantage of discounts. Make time to compare rates once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
Below you'll find a brief summary of the data that was touched on in this article.
- Drivers can save up to $160 per year simply by shopping early and online
- Insureds who may need more liability protection will pay around $350 each year to raise from 30/60 bodily injury limits to 250/500 limits
- Youthful drivers are charged the highest prices, as much as $393 per month including comprehensive and collision insurance
- Drivers considered higher risk that tend to have accidents or serious violations may be required to pay an average of $1,510 more every year than a low-risk driver
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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