Volkswagen Atlas Cross Sport Insurance Rates

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2020 Volkswagen Atlas Cross Sport Insurance Cost in 2025

Trying to find cheaper auto insurance rates? Buyers have a choice when searching for the lowest priced Volkswagen Atlas Cross Sport insurance. You can either waste hours calling around to get rate comparisons or use the internet to get rate quotes. There are both good and bad ways to find auto insurance online so we're going to tell you the proper way to quote coverages for a Volkswagen and find t...

Dani Best

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Mar 28, 2024

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The average auto insurance rates for a Volkswagen Atlas Cross Sport are $1,860 annually with full coverage. Comprehensive insurance costs an estimated $310 each year, collision insurance costs $668, and liability costs $644. Liability-only coverage costs as little as $726 a year, and high-risk coverage costs $4,064 or more. Teens cost the most to insure at up to $7,246 a year.

Average premium for full coverage: $1,860

Policy rates broken down by type of insurance:

Comprehensive $310
Collision $668
Liability $644

Full coverage includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Atlas Cross Sport models.

Price Range Variability

For a driver around age 40, Volkswagen Atlas Cross Sport insurance rates range from as cheap as $726 for just liability insurance to a high rate of $4,064 for a driver who has had serious violations or accidents.

Liability Only $726
Full Coverage $1,860
High Risk $4,064

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $1,395
Small Cities $1,953
Large Cities $2,511

The examples above demonstrate why all drivers should compare rates for a targeted area and their own personal driving habits, instead of using averaged prices.

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 Details

The chart below details average Volkswagen Atlas Cross Sport insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $1,074
  • Drivers who choose higher $1,000 deductibles will pay approximately $220 annually
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,860
  • Selecting low deductibles for comprehensive and collision insurance costs an additional $436 every year
  • Higher-risk drivers with serious driving violations could pay up to $4,064
  • Policy cost with full coverage for a teen driver can cost as much as $7,246 a year

View Chart as Image

Volkswagen Atlas Cross Sport insurance cost comparison chart
Column chart showing Volkswagen Atlas Cross Sport insurance prices range from $1,074 to $7,246 for full coverage

Insurance rates for a Volkswagen Atlas Cross Sport also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,700 per year on average, or $142 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $7,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $2,200 to $3,100 additional every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $660 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $579 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Volkswagen Atlas Cross Sport insurance prices. A 40-year-old driver could pay as low as $1,340 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,510 on average in New York, Michigan, and Florida.

Volkswagen Atlas Cross Sport Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,682 -$178 -9.6%
Alaska $1,426 -$434 -23.3%
Arizona $1,540 -$320 -17.2%
Arkansas $1,860 -$0 0.0%
California $2,120 $260 14.0%
Colorado $1,776 -$84 -4.5%
Connecticut $1,910 $50 2.7%
Delaware $2,104 $244 13.1%
Florida $2,324 $464 24.9%
Georgia $1,718 -$142 -7.6%
Hawaii $1,334 -$526 -28.3%
Idaho $1,260 -$600 -32.3%
Illinois $1,386 -$474 -25.5%
Indiana $1,404 -$456 -24.5%
Iowa $1,256 -$604 -32.5%
Kansas $1,766 -$94 -5.1%
Kentucky $2,536 $676 36.3%
Louisiana $2,756 $896 48.2%
Maine $1,148 -$712 -38.3%
Maryland $1,536 -$324 -17.4%
Massachusetts $1,486 -$374 -20.1%
Michigan $3,228 $1,368 73.5%
Minnesota $1,558 -$302 -16.2%
Mississippi $2,226 $366 19.7%
Missouri $1,652 -$208 -11.2%
Montana $1,998 $138 7.4%
Nebraska $1,466 -$394 -21.2%
Nevada $2,228 $368 19.8%
New Hampshire $1,338 -$522 -28.1%
New Jersey $2,078 $218 11.7%
New Mexico $1,648 -$212 -11.4%
New York $1,960 $100 5.4%
North Carolina $1,070 -$790 -42.5%
North Dakota $1,524 -$336 -18.1%
Ohio $1,284 -$576 -31.0%
Oklahoma $1,908 $48 2.6%
Oregon $1,704 -$156 -8.4%
Pennsylvania $1,774 -$86 -4.6%
Rhode Island $2,480 $620 33.3%
South Carolina $1,686 -$174 -9.4%
South Dakota $1,570 -$290 -15.6%
Tennessee $1,626 -$234 -12.6%
Texas $2,240 $380 20.4%
Utah $1,374 -$486 -26.1%
Vermont $1,272 -$588 -31.6%
Virginia $1,114 -$746 -40.1%
Washington $1,436 -$424 -22.8%
West Virginia $1,704 -$156 -8.4%
Wisconsin $1,288 -$572 -30.8%
Wyoming $1,658 -$202 -10.9%

View Chart as Image

Volkswagen Atlas Cross Sport insurance rates by U.S. city
Volkswagen Atlas Cross Sport Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Volkswagen Atlas Cross Sport $346 $720 $584 $1,888
2023 Volkswagen Atlas Cross Sport $332 $714 $598 $1,882
2022 Volkswagen Atlas Cross Sport $320 $698 $624 $1,880
2021 Volkswagen Atlas Cross Sport $310 $668 $644 $1,860
2020 Volkswagen Atlas Cross Sport $292 $646 $664 $1,840

Rates are averaged for all Volkswagen Atlas Cross Sport models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy More Affordable Volkswagen Atlas Cross Sport Insurance

Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also having good credit, not filing small claims, and possibly raising deductibles. Set aside time to compare rates every other policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a summary of the ideas that were covered above.

  • Teenage drivers are expensive to insure, as much as $604 each month if they have full coverage
  • Higher risk drivers who have multiple accidents or major violations pay on average $2,200 more annually for auto insurance
  • Increasing comprehensive and collision deductibles could save up to $650 each year
  • You may be able to save approximately $220 per year just by quoting online in advance

Rates by Driver Age

Volkswagen Atlas Cross Sport Insurance Rates by Driver Age
Driver Age Premium
16 $7,246
20 $4,358
30 $1,924
40 $1,860
50 $1,706
60 $1,676

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Atlas Cross Sport Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,296
$250 $2,090
$500 $1,860
$1,000 $1,640

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Atlas Cross Sport Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,860
50/100 $1,989
100/300 $2,150
250/500 $2,568
100 CSL $2,053
300 CSL $2,407
500 CSL $2,665

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Atlas Cross Sport Insurance Rates for High Risk Drivers
Age Premium
16 $10,304
20 $6,948
30 $4,130
40 $4,064
50 $3,882
60 $3,848

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 $266

Potential Rate Discounts

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

Discount Savings
Multi-policy $97
Multi-vehicle $101
Homeowner $29
5-yr Accident Free $135
5-yr Claim Free $120
Paid in Full/EFT $82
Advance Quote $92
Online Quote $130
Total Discounts $786
Rate after discounts $1,074

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

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