Volkswagen Atlas Insurance Rates
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UPDATED: Apr 16, 2024
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The average insurance rates for a Volkswagen Atlas are $1,434 a year including full coverage. Comprehensive costs on average $280, collision costs $540, and liability is $456. Buying just liability costs around $508 a year, with insurance for high-risk drivers costing around $3,122. Teen drivers cost the most to insure at $5,438 a year or more.
Average premium for full coverage: $1,434
Policy rates by type of insurance:
Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Atlas trim levels.
Price Range Variability
For a driver in their 40's, Volkswagen Atlas insurance rates go from as low as $508 for your basic liability-only policy to a much higher rate of $3,122 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.
The price range example below illustrates how location helps determine car insurance rates.
The examples above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of 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 Information
The chart below breaks down estimated Volkswagen Atlas insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $819
- Raising to $1,000 deductibles will save around $186 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,434
- Choosing more expensive low deductibles will increase the cost to $1,798
- At-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,122 or more
- Policy cost for full coverage for a teen driver with full coverage may cost $5,438
Insurance rates for a Volkswagen Atlas also range considerably based on your risk profile, the model of your Atlas, and policy deductibles and limits.
An older driver with a clean driving record and high deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $5,400 a year. View Rates by Age
Your home state also has a big influence on Volkswagen Atlas insurance prices. A middle-age driver might find rates as low as $1,100 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,050 on average in Michigan, New York, and Louisiana.
| 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 reduce rates by up to $550 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 132% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, so the rates will be varied from one company to the next.
| 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 Low Cost Volkswagen Atlas Insurance
Finding cheaper rates on car insurance consists of being a low-risk driver, maintaining good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Invest time comparing rates at every policy renewal by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The items below are a review of the data covered in the charts and tables above.
- Policyholders who require more liability coverage will pay about $500 per year to raise from a 30/60 limit to 250/500 limits
- You may be able to save as much as $170 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save around $550 each year
- Teen drivers pay the highest rates, with premiums being up to $453 each month for full coverage
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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