Volkswagen Atlas Insurance Rates
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Michelle Robbins
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UPDATED: Apr 16, 2024
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Average insurance rates for a Volkswagen Atlas are $1,434 a year for full coverage. Comprehensive insurance costs an estimated $280 a year, collision costs $540, and liability is estimated at $456. A policy with just liability insurance costs approximately $508 a year, with coverage for high-risk drivers costing $3,122 or more. Teen drivers receive the highest rates at $5,438 a year or more.
Average premium for full coverage: $1,434
Rate estimates broken down by individual coverage type:
Prices include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and Atlas trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from the low end price of $508 for a discount liability-only rate to a high of $3,122 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city can make a big difference on insurance rates. More rural locations tend to have lower incidents of accident claims than larger metro areas.
The diagram below illustrates the effect of geographic area on insurance prices.
These examples show why it is important to get quotes for a targeted area, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below shows estimated Volkswagen Atlas insurance rates for other coverage scenarios.
- The lowest rate with discounts is $819
- Choosing higher $1,000 deductibles can save approximately $1,248 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,434
- Choosing low $100 deductibles for comp and collision coverage will cost an additional $364 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,122 or more
- The cost that insures a 16-year-old driver can cost as much as $5,438 each year
Insurance rates for a Volkswagen Atlas can also vary considerably based on the trim level of your Atlas, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $1,700 to $2,400 additional per year, depending on your age. A high-risk auto insurance policy ranges from 44% to 132% more than average. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,400 a year. View Rates by Age
Where you live plays a big part in determining prices for Volkswagen Atlas insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Iowa, Maine, and Idaho, or as much as $2,050 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,298 | -$136 | -9.5% |
| Alaska | $1,100 | -$334 | -23.3% |
| Arizona | $1,190 | -$244 | -17.0% |
| Arkansas | $1,434 | -$0 | 0.0% |
| California | $1,636 | $202 | 14.1% |
| Colorado | $1,372 | -$62 | -4.3% |
| Connecticut | $1,476 | $42 | 2.9% |
| Delaware | $1,624 | $190 | 13.2% |
| Florida | $1,796 | $362 | 25.2% |
| Georgia | $1,324 | -$110 | -7.7% |
| Hawaii | $1,032 | -$402 | -28.0% |
| Idaho | $970 | -$464 | -32.4% |
| Illinois | $1,068 | -$366 | -25.5% |
| Indiana | $1,082 | -$352 | -24.5% |
| Iowa | $968 | -$466 | -32.5% |
| Kansas | $1,364 | -$70 | -4.9% |
| Kentucky | $1,958 | $524 | 36.5% |
| Louisiana | $2,122 | $688 | 48.0% |
| Maine | $886 | -$548 | -38.2% |
| Maryland | $1,184 | -$250 | -17.4% |
| Massachusetts | $1,148 | -$286 | -19.9% |
| Michigan | $2,492 | $1,058 | 73.8% |
| Minnesota | $1,200 | -$234 | -16.3% |
| Mississippi | $1,720 | $286 | 19.9% |
| Missouri | $1,272 | -$162 | -11.3% |
| Montana | $1,542 | $108 | 7.5% |
| Nebraska | $1,130 | -$304 | -21.2% |
| Nevada | $1,720 | $286 | 19.9% |
| New Hampshire | $1,034 | -$400 | -27.9% |
| New Jersey | $1,602 | $168 | 11.7% |
| New Mexico | $1,270 | -$164 | -11.4% |
| New York | $1,510 | $76 | 5.3% |
| North Carolina | $828 | -$606 | -42.3% |
| North Dakota | $1,174 | -$260 | -18.1% |
| Ohio | $990 | -$444 | -31.0% |
| Oklahoma | $1,474 | $40 | 2.8% |
| Oregon | $1,314 | -$120 | -8.4% |
| Pennsylvania | $1,370 | -$64 | -4.5% |
| Rhode Island | $1,914 | $480 | 33.5% |
| South Carolina | $1,300 | -$134 | -9.3% |
| South Dakota | $1,210 | -$224 | -15.6% |
| Tennessee | $1,256 | -$178 | -12.4% |
| Texas | $1,728 | $294 | 20.5% |
| Utah | $1,064 | -$370 | -25.8% |
| Vermont | $984 | -$450 | -31.4% |
| Virginia | $860 | -$574 | -40.0% |
| Washington | $1,110 | -$324 | -22.6% |
| West Virginia | $1,314 | -$120 | -8.4% |
| Wisconsin | $994 | -$440 | -30.7% |
| Wyoming | $1,280 | -$154 | -10.7% |
Choosing high deductibles can save as much as $550 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know which company is cheapest is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, and rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Atlas | $344 | $686 | $398 | $1,586 |
| 2023 Volkswagen Atlas | $332 | $668 | $416 | $1,574 |
| 2022 Volkswagen Atlas | $320 | $640 | $430 | $1,548 |
| 2021 Volkswagen Atlas | $304 | $618 | $442 | $1,522 |
| 2020 Volkswagen Atlas | $292 | $574 | $452 | $1,476 |
| 2019 Volkswagen Atlas | $280 | $540 | $456 | $1,434 |
| 2018 Volkswagen Atlas | $268 | $484 | $460 | $1,370 |
Rates are averaged for all Volkswagen Atlas models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Right Volkswagen Atlas Insurance
Saving money on insurance for a Volkswagen Atlas takes being a good driver, having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Shop around at least once a year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a quick rundown of the primary concepts that were covered in the above illustrations.
- Drivers can save approximately $170 per year simply by quoting early and online
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,690 more annually than a safer driver
- Increasing deductibles can save approximately $550 each year
- Drivers age 16 to 20 are expensive to insure, costing as high as $453 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,438 |
| 20 | $3,332 |
| 30 | $1,492 |
| 40 | $1,434 |
| 50 | $1,312 |
| 60 | $1,288 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,798 |
| $250 | $1,628 |
| $500 | $1,434 |
| $1,000 | $1,248 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,434 |
| 50/100 | $1,525 |
| 100/300 | $1,639 |
| 250/500 | $1,936 |
| 100 CSL | $1,571 |
| 300 CSL | $1,822 |
| 500 CSL | $2,004 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,760 |
| 20 | $5,312 |
| 30 | $3,184 |
| 40 | $3,122 |
| 50 | $2,984 |
| 60 | $2,958 |
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 | $77 |
| Multi-vehicle | $77 |
| Homeowner | $22 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $65 |
| Advance Quote | $72 |
| Online Quote | $102 |
| Total Discounts | $615 |
Discounts are estimated and may not be available from every company or in every state.
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