Volkswagen Arteon Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance prices for a Volkswagen Arteon are $1,346 every 12 months including full coverage. Comprehensive costs approximately $326 each year, collision costs $618, and liability is $292. Liability-only insurance costs around $336 a year, with high-risk driver insurance costing around $2,914. Teenage drivers cost the most to insure at $4,782 a year or more.
Average premium for full coverage: $1,346
Policy rates by type of insurance:
These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Arteon models.
Price Range Variability
Using a middle-aged driver as an example, Volkswagen Arteon insurance rates go from the cheapest price of $336 for liability-only coverage to a high rate of $2,914 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.
The graphic below illustrates how where you live affects auto insurance prices.
The examples above highlight why all drivers should compare rates quotes using their specific location 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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below breaks down estimated Volkswagen Arteon insurance rates for additional coverage and risk scenarios.
- The best discount rate is $749
- Raising to $1,000 deductibles will save $214 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,346
- Using low deductibles increases the price to $1,764
- Drivers who are prone to accidents and violations could pay around $2,914 or more
- Policy cost to insure a 16-year-old driver can cost $4,782
Auto insurance rates for a Volkswagen Arteon also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Arteon.
Using high physical damage deductibles can reduce rates by up to $640 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $263 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have 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 were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 46% to 133% more than a normal policy. View High Risk Driver Rates
Your home state also has a big influence on Volkswagen Arteon insurance prices. A middle-age driver might find rates as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,920 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,216 | -$130 | -9.7% |
| Alaska | $1,032 | -$314 | -23.3% |
| Arizona | $1,118 | -$228 | -16.9% |
| Arkansas | $1,346 | -$0 | 0.0% |
| California | $1,532 | $186 | 13.8% |
| Colorado | $1,282 | -$64 | -4.8% |
| Connecticut | $1,382 | $36 | 2.7% |
| Delaware | $1,522 | $176 | 13.1% |
| Florida | $1,678 | $332 | 24.7% |
| Georgia | $1,244 | -$102 | -7.6% |
| Hawaii | $968 | -$378 | -28.1% |
| Idaho | $910 | -$436 | -32.4% |
| Illinois | $1,002 | -$344 | -25.6% |
| Indiana | $1,014 | -$332 | -24.7% |
| Iowa | $910 | -$436 | -32.4% |
| Kansas | $1,280 | -$66 | -4.9% |
| Kentucky | $1,834 | $488 | 36.3% |
| Louisiana | $1,992 | $646 | 48.0% |
| Maine | $828 | -$518 | -38.5% |
| Maryland | $1,108 | -$238 | -17.7% |
| Massachusetts | $1,074 | -$272 | -20.2% |
| Michigan | $2,338 | $992 | 73.7% |
| Minnesota | $1,126 | -$220 | -16.3% |
| Mississippi | $1,612 | $266 | 19.8% |
| Missouri | $1,192 | -$154 | -11.4% |
| Montana | $1,446 | $100 | 7.4% |
| Nebraska | $1,060 | -$286 | -21.2% |
| Nevada | $1,614 | $268 | 19.9% |
| New Hampshire | $970 | -$376 | -27.9% |
| New Jersey | $1,502 | $156 | 11.6% |
| New Mexico | $1,190 | -$156 | -11.6% |
| New York | $1,416 | $70 | 5.2% |
| North Carolina | $774 | -$572 | -42.5% |
| North Dakota | $1,100 | -$246 | -18.3% |
| Ohio | $928 | -$418 | -31.1% |
| Oklahoma | $1,380 | $34 | 2.5% |
| Oregon | $1,234 | -$112 | -8.3% |
| Pennsylvania | $1,282 | -$64 | -4.8% |
| Rhode Island | $1,794 | $448 | 33.3% |
| South Carolina | $1,218 | -$128 | -9.5% |
| South Dakota | $1,134 | -$212 | -15.8% |
| Tennessee | $1,178 | -$168 | -12.5% |
| Texas | $1,620 | $274 | 20.4% |
| Utah | $996 | -$350 | -26.0% |
| Vermont | $918 | -$428 | -31.8% |
| Virginia | $808 | -$538 | -40.0% |
| Washington | $1,040 | -$306 | -22.7% |
| West Virginia | $1,236 | -$110 | -8.2% |
| Wisconsin | $932 | -$414 | -30.8% |
| Wyoming | $1,196 | -$150 | -11.1% |
Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Arteon | $384 | $690 | $258 | $1,442 |
| 2023 Volkswagen Arteon | $370 | $686 | $264 | $1,430 |
| 2022 Volkswagen Arteon | $356 | $668 | $274 | $1,408 |
| 2021 Volkswagen Arteon | $344 | $640 | $284 | $1,378 |
| 2020 Volkswagen Arteon | $326 | $618 | $292 | $1,346 |
| 2019 Volkswagen Arteon | $312 | $574 | $298 | $1,294 |
Rates are averaged for all Volkswagen Arteon 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 Cheap Volkswagen Arteon Insurance
Finding cheaper rates on insurance for a Volkswagen Arteon consists of avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Take the time to comparison shop every couple of years by requesting quotes from direct car insurance companies, and also from your local car insurance providers.
The list below is a brief summary of the material that was touched on in the above illustrations.
- Insureds who purchase higher liability limits will pay an extra $320 per year to raise from a 30/60 limit to a 250/500 level
- Teenagers have the highest car insurance rates, with premiums being up to $399 each month if comprehensive and collision insurance is included
- Drivers considered higher risk that tend to have accidents or serious violations could be charged and average of $1,570 more per year for car insurance
- Increasing comprehensive and collision deductibles could save as much as $625 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,782 |
| 20 | $3,096 |
| 30 | $1,422 |
| 40 | $1,346 |
| 50 | $1,228 |
| 60 | $1,204 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,764 |
| $250 | $1,568 |
| $500 | $1,346 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,346 |
| 50/100 | $1,404 |
| 100/300 | $1,477 |
| 250/500 | $1,667 |
| 100 CSL | $1,434 |
| 300 CSL | $1,594 |
| 500 CSL | $1,711 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,888 |
| 20 | $4,934 |
| 30 | $2,998 |
| 40 | $2,914 |
| 50 | $2,776 |
| 60 | $2,754 |
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 | $74 |
| Multi-vehicle | $70 |
| Homeowner | $18 |
| 5-yr Accident Free | $108 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $68 |
| Advance Quote | $71 |
| Online Quote | $99 |
| Total Discounts | $597 |
Discounts are estimated and may not be available from every company or in every state.
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