Volkswagen Atlas Insurance Rates

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UPDATED: Apr 16, 2024

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Volkswagen Atlas insurance

U.S. average insurance prices for a Volkswagen Atlas are $1,476 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $292, collision costs $574, and liability costs around $452. A policy with just liability insurance costs as low as $504 a year, with coverage for high-risk drivers costing $3,212 or more. Teenage drivers pay the highest rates at $5,564 a year or more.

Average premium for full coverage: $1,476

Price estimates by individual coverage:

Comprehensive $292
Collision $574
Liability $452

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Atlas models.

Price Range from Low to High

Using a middle-aged driver as an example, Volkswagen Atlas insurance prices go from the cheapest price of $504 for just liability coverage to the much higher price of $3,212 for a driver required to buy high-risk insurance.

Liability Only $504
Full Coverage $1,476
High Risk $3,212

Geographic Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations have more infrequent physical damage claims than densely populated cities.

The example below illustrates how where you live affects auto insurance prices.

Rural Areas $1,107
Small Cities $1,550
Large Cities $1,993

The ranges above illustrate why everyone should compare prices using their specific location and their own driving history, instead of making a decision based on average rates.

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.

Detailed Rate Analysis

The chart below illustrates estimated Volkswagen Atlas insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $841
  • Using higher $1,000 deductibles will save $196 each year
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,476
  • Using pricier low deductibles for physical damage coverage costs an extra $384 annually
  • High-risk insureds who are prone to accidents and violations could pay around $3,212 or more
  • The price to insure a 16-year-old driver for full coverage can cost $5,564 or more

View Chart as Image

Volkswagen Atlas insurance cost comparison chart
Column chart showing full coverage Volkswagen Atlas insurance prices range from $841 to $5,564

Insurance prices for a Volkswagen Atlas are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Atlas.

Using high physical damage deductibles could cut prices by as much as $580 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as low as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $5,500 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,800 to $2,400 extra each year, depending on your age. Volkswagen Atlas insurance for high-risk drivers can be from 43% to 136% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Volkswagen Atlas insurance prices. A driver around age 40 might see prices as low as $970 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,990 on average in Florida, New York, and Michigan.

Volkswagen Atlas Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,334 -$142 -9.6%
Alaska $1,132 -$344 -23.3%
Arizona $1,224 -$252 -17.1%
Arkansas $1,476 -$0 0.0%
California $1,680 $204 13.8%
Colorado $1,408 -$68 -4.6%
Connecticut $1,518 $42 2.8%
Delaware $1,670 $194 13.1%
Florida $1,846 $370 25.1%
Georgia $1,362 -$114 -7.7%
Hawaii $1,060 -$416 -28.2%
Idaho $998 -$478 -32.4%
Illinois $1,100 -$376 -25.5%
Indiana $1,110 -$366 -24.8%
Iowa $996 -$480 -32.5%
Kansas $1,402 -$74 -5.0%
Kentucky $2,012 $536 36.3%
Louisiana $2,184 $708 48.0%
Maine $910 -$566 -38.3%
Maryland $1,216 -$260 -17.6%
Massachusetts $1,180 -$296 -20.1%
Michigan $2,562 $1,086 73.6%
Minnesota $1,234 -$242 -16.4%
Mississippi $1,768 $292 19.8%
Missouri $1,308 -$168 -11.4%
Montana $1,584 $108 7.3%
Nebraska $1,164 -$312 -21.1%
Nevada $1,770 $294 19.9%
New Hampshire $1,064 -$412 -27.9%
New Jersey $1,650 $174 11.8%
New Mexico $1,306 -$170 -11.5%
New York $1,554 $78 5.3%
North Carolina $850 -$626 -42.4%
North Dakota $1,208 -$268 -18.2%
Ohio $1,020 -$456 -30.9%
Oklahoma $1,514 $38 2.6%
Oregon $1,352 -$124 -8.4%
Pennsylvania $1,408 -$68 -4.6%
Rhode Island $1,970 $494 33.5%
South Carolina $1,336 -$140 -9.5%
South Dakota $1,244 -$232 -15.7%
Tennessee $1,292 -$184 -12.5%
Texas $1,780 $304 20.6%
Utah $1,092 -$384 -26.0%
Vermont $1,010 -$466 -31.6%
Virginia $882 -$594 -40.2%
Washington $1,140 -$336 -22.8%
West Virginia $1,352 -$124 -8.4%
Wisconsin $1,022 -$454 -30.8%
Wyoming $1,314 -$162 -11.0%

View Chart as Image

Volkswagen Atlas insurance rates by U.S. city

Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices from multiple companies. Each insurance company uses a different method to calculate prices, so the prices may be quite different.

Volkswagen Atlas Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Volkswagen Atlas $358 $690 $390 $1,596
2023 Volkswagen Atlas $344 $686 $398 $1,586
2022 Volkswagen Atlas $332 $668 $416 $1,574
2021 Volkswagen Atlas $320 $640 $430 $1,548
2020 Volkswagen Atlas $304 $618 $442 $1,522
2019 Volkswagen Atlas $292 $574 $452 $1,476
2018 Volkswagen Atlas $280 $540 $456 $1,434

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 Shop for More Affordable Volkswagen Atlas Insurance

Getting lower rates on insurance for a Volkswagen Atlas requires being a good driver, having good credit, not filing small claims, and maximizing policy discounts. Take the time to comparison shop at every policy renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following list is a summary of the data touched on in the above illustrations.

  • Insureds who purchase an increased level of liability coverage will pay an extra $500 annually to increase from a low limit to a 250/500 level
  • It is possible to save around $180 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles could save as much as $575 each year
  • Drivers age 16 to 20 are expensive to insure, as much as $464 a month if they have full coverage

Rates by Driver Age

Volkswagen Atlas Insurance Rates by Driver Age
Driver Age Premium
16 $5,564
20 $3,430
30 $1,536
40 $1,476
50 $1,348
60 $1,324

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Atlas Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,860
$250 $1,680
$500 $1,476
$1,000 $1,280

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Atlas Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,476
50/100 $1,566
100/300 $1,679
250/500 $1,973
100 CSL $1,612
300 CSL $1,860
500 CSL $2,041

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Atlas Insurance Rates for High Risk Drivers
Age Premium
16 $7,950
20 $5,468
30 $3,280
40 $3,212
50 $3,070
60 $3,042

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 $211

Potential Rate Discounts

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

Discount Savings
Multi-policy $79
Multi-vehicle $79
Homeowner $22
5-yr Accident Free $111
5-yr Claim Free $97
Paid in Full/EFT $68
Advance Quote $74
Online Quote $105
Total Discounts $635
Rate after discounts $841

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

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