Volkswagen Routan Insurance Rates

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UPDATED: Jun 5, 2023

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The average insurance prices for a Volkswagen Routan are $1,320 every 12 months for full coverage insurance. Comprehensive costs approximately $336 each year, collision insurance costs $532, and liability coverage costs around $316. A liability-only policy costs as low as $376 a year, and high-risk insurance costs around $2,826. Teens cost the most to insure at up to $4,716 a year.

Average premium for full coverage: $1,320

Policy rates by type of insurance:

Comprehensive $336
Collision $532
Liability $316

Price estimates include $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Routan models.

Price Range Variability

For a driver around age 40, Volkswagen Routan insurance rates range from the cheapest price of $376 for a discount liability-only rate to a high rate of $2,826 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

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

The examples above illustrate why all drivers should compare prices using their specific location and their own driving history, rather than using averaged prices.

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 illustrates average Volkswagen Routan insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $760
  • Using higher $1,000 deductibles will save $200 each year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,320
  • Selecting low deductibles for physical damage coverage increases the price to $1,698
  • Higher-risk drivers with serious driving violations could pay around $2,826
  • Policy cost to insure a teenage driver can cost $4,716 or more

View Chart as Image

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

Car insurance rates for a Volkswagen Routan also range considerably based on liability limits and deductibles, your risk profile, and the model of your Routan.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $580 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $285 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark 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 probably paying anywhere from $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can be around 45% to 127% more than the average policy. 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 $860 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,780 on average in Florida, New York, and Michigan.

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

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 Cheaper Volkswagen Routan Insurance

Finding cheaper rates on auto insurance requires having a good driving record, maintaining a good credit score, being claim-free, and attention to physical damage deductibles. Set aside time to compare rates every time your policy renews by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The next list is a condensed summary of the information covered above.

  • It is possible to save around $160 per year just by quoting online in advance
  • Drivers age 20 and younger pay the highest auto insurance rates, possibly costing $393 each month if the policy includes full coverage
  • Increasing comprehensive and collision deductibles could save as much as $575 each year
  • Drivers with multiple at-fault accidents may have to pay on average $1,510 more per year to buy Volkswagen Routan insurance
  • Consumers who purchase increased levels of liability coverage will pay approximately $350 annually to increase from a 30/60 limit to a 250/500 level

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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