Volkswagen Routan Insurance Rates

The average auto insurance rates for a Volkswagen Routan are $1,320 annually with full coverage. Comprehensive costs approximately $336 each year, collision costs $532, and liability is $316. Liability-only coverage costs around $376 a year, with high-risk coverage costing around $2,826. Teenage 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:

Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Routan models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance prices.

The examples above demonstrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Details

The chart below details estimated Volkswagen Routan insurance rates for additional coverage and risk scenarios.

• The best discount rate is $760
• Raising to $1,000 deductibles will save $200 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,320
• Using low deductibles will cost $1,698
• At-risk drivers who are prone to accidents and violations could pay around $2,826 or more
• Policy cost with full coverage for a teen driver can cost $4,716

View Chart as Image

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

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 45% to 127% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $580 every year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $285 more each year. View Rates by Deductible or Liability Limit

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

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy Affordable Volkswagen Routan Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having good credit, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates at least every other year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief review of the car insurance concepts presented in the illustrations above.

• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,510 more per year to insure their Routan
• You may be able to save around $160 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $575 each year
• Policyholders who purchase more liability coverage will pay an extra $350 every year to raise from a 30/60 limit to higher 250/500 limits