Volkswagen Arteon Insurance Rates

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UPDATED: Mar 28, 2024

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The average auto insurance rates for a Volkswagen Arteon are $1,294 annually for full coverage. Comprehensive insurance costs around $312 a year, collision costs $574, and liability coverage is estimated at $298. Buying just liability costs approximately $340 a year, with insurance for high-risk drivers costing $2,798 or more. 16-year-old drivers cost the most to insure at $4,616 a year or more.

Average premium for full coverage: $1,294

Policy rates for type of insurance:

Comprehensive $312
Collision $574
Liability $298

Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and Arteon trim levels.

Price Range Variability

For the average driver, Volkswagen Arteon insurance rates go from as cheap as $340 for just liability insurance to a high of $2,798 for a high-risk insurance policy.

Liability Only $340
Full Coverage $1,294
High Risk $2,798

Urban vs. Rural Price Range

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than congested cities.

The diagram below illustrates how location impacts auto insurance rates.

Rural Areas $971
Small Cities $1,359
Large Cities $1,747

The examples above show why it is important to get quotes for a specific zip code and their own personal driving habits, rather than using 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.

More Rate Details

The chart below shows estimated Volkswagen Arteon insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $725
  • Choosing higher $1,000 deductibles can save about $1,094 a year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,294
  • Buying low $100 deductibles for comp and collision coverage costs an additional $392 each year
  • Drivers with multiple tickets or accidents could pay at least $2,798 or more
  • Policy cost with full coverage for a teenage driver can be $4,616 each year

View Chart as Image

Volkswagen Arteon insurance cost comparison chart
Column chart showing full coverage Volkswagen Arteon insurance prices range from $725 to $4,616

Insurance rates for a Volkswagen Arteon also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay as much as $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges around 45% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $600 a year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $268 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Volkswagen Arteon insurance rates. A good driver about age 40 could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or at least $1,850 on average in Michigan, Louisiana, and New York.

Volkswagen Arteon Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,170 -$124 -9.6%
Alaska $992 -$302 -23.3%
Arizona $1,076 -$218 -16.8%
Arkansas $1,294 -$0 0.0%
California $1,474 $180 13.9%
Colorado $1,234 -$60 -4.6%
Connecticut $1,330 $36 2.8%
Delaware $1,464 $170 13.1%
Florida $1,618 $324 25.0%
Georgia $1,198 -$96 -7.4%
Hawaii $930 -$364 -28.1%
Idaho $876 -$418 -32.3%
Illinois $966 -$328 -25.3%
Indiana $974 -$320 -24.7%
Iowa $876 -$418 -32.3%
Kansas $1,228 -$66 -5.1%
Kentucky $1,762 $468 36.2%
Louisiana $1,916 $622 48.1%
Maine $798 -$496 -38.3%
Maryland $1,068 -$226 -17.5%
Massachusetts $1,032 -$262 -20.2%
Michigan $2,248 $954 73.7%
Minnesota $1,084 -$210 -16.2%
Mississippi $1,550 $256 19.8%
Missouri $1,148 -$146 -11.3%
Montana $1,390 $96 7.4%
Nebraska $1,018 -$276 -21.3%
Nevada $1,554 $260 20.1%
New Hampshire $934 -$360 -27.8%
New Jersey $1,446 $152 11.7%
New Mexico $1,146 -$148 -11.4%
New York $1,364 $70 5.4%
North Carolina $744 -$550 -42.5%
North Dakota $1,060 -$234 -18.1%
Ohio $894 -$400 -30.9%
Oklahoma $1,328 $34 2.6%
Oregon $1,186 -$108 -8.3%
Pennsylvania $1,234 -$60 -4.6%
Rhode Island $1,728 $434 33.5%
South Carolina $1,174 -$120 -9.3%
South Dakota $1,092 -$202 -15.6%
Tennessee $1,132 -$162 -12.5%
Texas $1,558 $264 20.4%
Utah $958 -$336 -26.0%
Vermont $884 -$410 -31.7%
Virginia $776 -$518 -40.0%
Washington $998 -$296 -22.9%
West Virginia $1,188 -$106 -8.2%
Wisconsin $896 -$398 -30.8%
Wyoming $1,150 -$144 -11.1%

View Chart as Image

Volkswagen Arteon insurance rates by U.S. city

Because rates have so much variability, the only way to know your exact price is to get quotes and see how they stack up. Each auto insurer utilizes a different rate formula, so the rates will be varied between companies.

Volkswagen Arteon Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Volkswagen Arteon $370 $686 $264 $1,430
2023 Volkswagen Arteon $356 $668 $274 $1,408
2022 Volkswagen Arteon $344 $640 $284 $1,378
2021 Volkswagen Arteon $326 $618 $292 $1,346
2020 Volkswagen Arteon $312 $574 $298 $1,294
2019 Volkswagen Arteon $300 $540 $300 $1,250

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 Buy the Right Volkswagen Arteon Insurance

Finding cheaper rates on auto insurance takes having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around at least every other year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following items are a quick rundown of the car insurance concepts touched on above.

  • Drivers with reckless driving or DUI convictions pay an average of $1,500 more every year than a driver with a clean driving record
  • Drivers can save up to $160 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles could save up to $600 each year
  • Consumers who may need additional liability coverage will pay around $330 each year to raise limits from a 30/60 limit to higher 250/500 limits

Rates by Driver Age

Volkswagen Arteon Insurance Rates by Driver Age
Driver Age Premium
16 $4,616
20 $2,970
30 $1,366
40 $1,294
50 $1,180
60 $1,158

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Arteon Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,686
$250 $1,504
$500 $1,294
$1,000 $1,094

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Arteon Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,294
50/100 $1,354
100/300 $1,428
250/500 $1,622
100 CSL $1,383
300 CSL $1,547
500 CSL $1,667

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Arteon Insurance Rates for High Risk Drivers
Age Premium
16 $6,640
20 $4,730
30 $2,876
40 $2,798
50 $2,666
60 $2,642

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 $184

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $67
Homeowner $18
5-yr Accident Free $102
5-yr Claim Free $85
Paid in Full/EFT $64
Advance Quote $67
Online Quote $95
Total Discounts $569
Rate after discounts $725

Discounts are estimated and may not be available from every company or in every state.

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