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 including full coverage. Comprehensive insurance costs around $312 each year, collision insurance costs $574, and liability is $298. Buying just liability costs around $340 a year, and insurance for high-risk drivers costs $2,798 or more. Teens cost the most to insure at up to $4,616 a year.
Average premium for full coverage: $1,294
Policy rates for type of insurance:
Rates are based on $500 policy 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
For a driver around age 40, Volkswagen Arteon insurance rates range from as cheap as $340 for liability-only coverage to a high rate of $2,798 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above highlight why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on 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.
Additional Charts and Tables
The chart below breaks down average Volkswagen Arteon insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $725
- Raising to $1,000 deductibles will save about $200 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,294
- Selecting low deductibles costs an additional $392 annually
- Drivers with serious driving violations could pay at least $2,798
- Policy cost with full coverage for a 16-year-old driver can be $4,616
Insurance rates for a Volkswagen Arteon also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as low 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 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 are likely paying at least $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 45% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $600 annually, whereas increasing liability limits will increase rates. Changing 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 also has a big influence on Volkswagen Arteon insurance prices. A middle-age driver might find rates as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,850 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Best Cheap Volkswagen Arteon Insurance
Finding cheaper rates on insurance for a Volkswagen Arteon consists of avoiding accidents and claims, having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Set aside time to compare rates every couple of years by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a quick review of the material that was covered above.
- Insureds who may need increased liability limits will pay approximately $330 per year to raise from a 30/60 limit to higher 250/500 limits
- Drivers under the age of 20 pay higher rates, with premiums being up to $385 each month including comprehensive and collision insurance
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,500 more every year to insure a Volkswagen Arteon
- Increasing comprehensive and collision deductibles could save up to $600 each year
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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