Volkswagen Atlas Insurance Rates

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UPDATED: Apr 16, 2024

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Volkswagen Atlas insurance

Average insurance rates for a Volkswagen Atlas are $1,476 a year for full coverage. Comprehensive insurance costs around $292 a year, collision insurance costs $574, and liability costs $452. A liability-only policy costs as little as $504 a year, and high-risk insurance costs $3,212 or more. Teen drivers receive the highest rates at up to $5,564 a year.

Average premium for full coverage: $1,476

Rate estimates for individual coverage type:

Comprehensive $292
Collision $574
Liability $452

Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Atlas trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from the low end price of $504 for your basic liability-only policy to a high of $3,212 for a driver who has had serious violations or accidents.

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

Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance rates.

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

These examples show why it is important to compare rates for a specific zip code, 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.

More Rate Information

The chart below shows average Volkswagen Atlas insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $841
  • Drivers who choose higher $1,000 deductibles will pay about $1,280 a year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,476
  • Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $384 annually
  • Drivers with multiple violations and an at-fault accident could pay at least $3,212
  • The cost that insures a 16-year-old driver can be $5,564 a year

View Chart as Image

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

Insurance rates for a Volkswagen Atlas can also vary considerably based on the trim level of your Atlas, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,800 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy can cost from 43% to 136% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay as much as $5,500 a year. View Rates by Age

Where you live makes a big difference in Volkswagen Atlas insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Idaho, Maine, and Iowa, or as much as $2,100 on average in Michigan, Louisiana, and New York.

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

Choosing high deductibles could save up to $580 annually, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit

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 Find Affordable Volkswagen Atlas Insurance

Saving money on insurance for a Volkswagen Atlas not only requires being a low-risk driver, but also having above-average credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Shop around every other policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief review of the ideas that were covered in the charts and tables above.

  • Teen drivers pay higher rates, costing as high as $464 per month if full coverage is included
  • Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,740 more every year to insure their Atlas
  • Increasing deductibles can save approximately $575 each year
  • Drivers can save up to $180 per year just by quoting early and online

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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