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 around $280 a year, collision costs $540, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing around $3,122. 16-year-old drivers cost the most to insure at $5,438 a year or more.
Average premium for full coverage: $1,434
Policy rates for type of insurance:
Rate estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Atlas trim levels.
Price Range Variability
For an average driver, Volkswagen Atlas insurance rates go from the low end price of $508 for your basic liability-only policy to a high of $3,122 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than congested cities.
The diagram below illustrates the effect of geographic area on auto insurance rates.
The examples above highlight why it is important to get quotes for a specific zip code, instead of making a decision based on rate 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 additional coverage choices and driver risks.
- The best full coverage rate is $819
- Choosing higher $1,000 deductibles can save about $1,248 every year
- The estimated price for a good driver age 40 using $500 deductibles is $1,434
- Buying low $100 deductibles for comp and collision coverage bumps up the cost to $1,798
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,122 or more
- Policy cost that insures a 16-year-old driver can be $5,438 each year
Insurance rates for a Volkswagen Atlas also range considerably based on the trim level of your Atlas, your driving record and age, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,700 to $2,400 additional every year, depending on your age. A high-risk auto insurance policy ranges from 44% to 132% more than the average rate. 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, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $5,400 a year. View Rates by Age
Your home state plays a big part in determining prices for Volkswagen Atlas insurance prices. A good driver about age 40 could pay as low as $1,100 a year in states like Missouri, New Hampshire, and Vermont, or at least $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% |
Opting for high physical damage deductibles can save as much as $550 annually, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out your exact price is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, and rates will be varied.
| 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 Best Volkswagen Atlas Insurance
Finding cheaper rates on insurance for a Volkswagen Atlas takes being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Comparison shop at least once a year by quoting rates from direct car insurance companies, and also from local insurance agencies.
The items below are a brief recap of the primary concepts that were covered in the above illustrations.
- You may be able to save up to $170 per year simply by quoting early and online
- Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,690 more every year to insure their Atlas
- Increasing comprehensive and collision deductibles can save approximately $550 each year
- Teen drivers are charged the highest rates, with premiums being up to $453 each 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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