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 insurance. Comprehensive insurance costs approximately $312, collision costs $574, and liability coverage is $298. A liability-only policy costs around $340 a year, with high-risk insurance costing $2,798 or more. Teen drivers cost the most to insure at $4,616 a year or more.
Average premium for full coverage: $1,294
Policy rates by type of insurance:
Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Arteon trim levels.
Price Range Variability
For a driver in their 40's, Volkswagen Arteon insurance rates go from as cheap as $340 for just liability insurance to a much higher rate of $2,798 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than larger metro areas.
The price range example below illustrates how location helps determine auto insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, rather than using price 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 illustrates estimated Volkswagen Arteon insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $725
- Raising to $1,000 deductibles will save $200 each year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,294
- Choosing more expensive low deductibles costs an additional $392 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay around $2,798 or more
- Policy cost with full coverage for a teenage driver with full coverage can cost $4,616
Car insurance rates for a Volkswagen Arteon also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.
An older driver with no driving violations and high physical damage deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $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 are probably paying anywhere from $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 45% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $600 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $268 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Volkswagen Arteon insurance rates. A middle-age driver might find rates as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,750 on average in Florida, New York, and Michigan.
| 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% |
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes will be varied between companies.
| 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 More Affordable Volkswagen Arteon Insurance
Finding cheaper rates on auto insurance consists of avoiding accidents and claims, having a good credit score, being claim-free, and avoiding coverage lapses. Invest time comparing rates at every policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The points below are a summary of the data covered in the charts and tables above.
- Consumers who purchase increased liability limits will pay about $330 annually to raise from a 30/60 limit to higher 250/500 limits
- It is possible to save around $160 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $600 each year
- Drivers under the age of 20 pay the highest auto insurance rates, possibly costing $385 each month if comprehensive and collision insurance is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,686 |
| $250 | $1,504 |
| $500 | $1,294 |
| $1,000 | $1,094 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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