Volkswagen Atlas Insurance Rates
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Michelle Robbins
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UPDATED: Apr 16, 2024
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Estimated insurance prices for a Volkswagen Atlas are $1,434 every 12 months for full coverage insurance. Comprehensive insurance costs on average $280, collision insurance costs $540, and liability insurance costs around $456. A liability-only policy costs as low as $508 a year, and high-risk insurance costs $3,122 or more. Teen drivers pay the most at up to $5,438 a year.
Average premium for full coverage: $1,434
Premium estimates by type of coverage:
These estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all Atlas models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Volkswagen Atlas range from the cheapest price of $508 for your basic liability-only policy to the much higher price of $3,122 for a policy for a high-risk driver.
Insurance Price Range by Location
Where you live has a significant impact on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than larger metro areas. The example below illustrates the difference location can make on car insurance rates.
These rate differences illustrate why everyone should compare prices based on a specific location and their own driving history, rather than relying 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 illustrates average Volkswagen Atlas insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $819
- Using higher $1,000 deductibles will save around $186 each year
- The average price for a 40-year-old good driver with $500 deductibles is $1,434
- Choosing pricier low deductibles for physical damage coverage costs an extra $364 a year
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,122
- An auto insurance policy to insure a teen driver for full coverage may cost $5,438 or more
Auto insurance prices for a Volkswagen Atlas also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Atlas.
Choosing high deductibles could cut prices by as much as $550 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $5,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,400 in extra premium annually, depending on your age. Volkswagen Atlas insurance for high-risk drivers can be anywhere from 44% to 132% more than average. View High Risk Driver Rates
Where you choose to live has a huge impact on Volkswagen Atlas insurance rates. A driver around age 40 might see prices as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,940 on average in Michigan, New York, and Florida.
| 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% |
| 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 Shop for Cheap Volkswagen Atlas Insurance
Finding better rates on Volkswagen Atlas insurance requires being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Make time to compare rates every year by obtaining price quotes from direct insurance companies, and also from several local insurance agents.
The items below are a brief summary of the coverage data touched on in this article.
- It is possible to save as much as $170 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $550 each year
- Teen drivers are charged the highest prices, with premiums being up to $453 per month if comprehensive and collision insurance is included
- High-risk drivers that tend to have accidents or serious violations pay on average $1,690 more each year to insure their Atlas
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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