Volkswagen Atlas Cross Sport Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance rates for a Volkswagen Atlas Cross Sport are $1,840 a year including full coverage. Comprehensive insurance costs on average $292, collision costs $646, and liability insurance costs $664. Liability-only insurance costs as little as $744 a year, with high-risk driver insurance costing $4,024 or more. Teens cost the most to insure at $7,222 a year or more.
Average premium for full coverage: $1,840
Policy rates by type of insurance:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different Atlas Cross Sport trim levels.
Price Range Variability
For a 40-year-old driver, Volkswagen Atlas Cross Sport insurance rates go from as low as $744 for the bare minimum liability coverage to a much higher rate of $4,024 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates how your location can change car insurance rates.
The examples above highlight why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than relying on 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.
Additional Rate Information
The chart below breaks down estimated Volkswagen Atlas Cross Sport insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $1,063
- Drivers who choose higher $1,000 deductibles will pay around $212 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,840
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $416 a year
- High risk drivers with serious driving violations could pay upwards of $4,024 or more
- Policy cost for full coverage for a teen driver with full coverage may cost $7,222 a year
Auto insurance rates for a Volkswagen Atlas Cross Sport also range considerably based on your risk profile, the model of your Atlas Cross Sport, and policy deductibles and limits.
An older driver with a good driving record and high deductibles could 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 good drivers will have to pay upwards of $7,200 a year. View Rates by Age
Your home state makes a big difference in Volkswagen Atlas Cross Sport insurance rates. A 40-year-old driver could pay as low as $1,410 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,620 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,664 | -$176 | -9.6% |
| Alaska | $1,408 | -$432 | -23.5% |
| Arizona | $1,524 | -$316 | -17.2% |
| Arkansas | $1,840 | -$0 | 0.0% |
| California | $2,098 | $258 | 14.0% |
| Colorado | $1,758 | -$82 | -4.5% |
| Connecticut | $1,888 | $48 | 2.6% |
| Delaware | $2,080 | $240 | 13.0% |
| Florida | $2,300 | $460 | 25.0% |
| Georgia | $1,698 | -$142 | -7.7% |
| Hawaii | $1,320 | -$520 | -28.3% |
| Idaho | $1,248 | -$592 | -32.2% |
| Illinois | $1,370 | -$470 | -25.5% |
| Indiana | $1,386 | -$454 | -24.7% |
| Iowa | $1,244 | -$596 | -32.4% |
| Kansas | $1,746 | -$94 | -5.1% |
| Kentucky | $2,508 | $668 | 36.3% |
| Louisiana | $2,724 | $884 | 48.0% |
| Maine | $1,136 | -$704 | -38.3% |
| Maryland | $1,518 | -$322 | -17.5% |
| Massachusetts | $1,470 | -$370 | -20.1% |
| Michigan | $3,192 | $1,352 | 73.5% |
| Minnesota | $1,540 | -$300 | -16.3% |
| Mississippi | $2,200 | $360 | 19.6% |
| Missouri | $1,634 | -$206 | -11.2% |
| Montana | $1,978 | $138 | 7.5% |
| Nebraska | $1,448 | -$392 | -21.3% |
| Nevada | $2,204 | $364 | 19.8% |
| New Hampshire | $1,322 | -$518 | -28.2% |
| New Jersey | $2,054 | $214 | 11.6% |
| New Mexico | $1,630 | -$210 | -11.4% |
| New York | $1,938 | $98 | 5.3% |
| North Carolina | $1,060 | -$780 | -42.4% |
| North Dakota | $1,506 | -$334 | -18.2% |
| Ohio | $1,270 | -$570 | -31.0% |
| Oklahoma | $1,886 | $46 | 2.5% |
| Oregon | $1,686 | -$154 | -8.4% |
| Pennsylvania | $1,754 | -$86 | -4.7% |
| Rhode Island | $2,452 | $612 | 33.3% |
| South Carolina | $1,666 | -$174 | -9.5% |
| South Dakota | $1,552 | -$288 | -15.7% |
| Tennessee | $1,608 | -$232 | -12.6% |
| Texas | $2,216 | $376 | 20.4% |
| Utah | $1,362 | -$478 | -26.0% |
| Vermont | $1,258 | -$582 | -31.6% |
| Virginia | $1,102 | -$738 | -40.1% |
| Washington | $1,420 | -$420 | -22.8% |
| West Virginia | $1,686 | -$154 | -8.4% |
| Wisconsin | $1,274 | -$566 | -30.8% |
| Wyoming | $1,636 | -$204 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles could save up to $630 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $597 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $2,200 to $3,100 in extra premium every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates from as many companies as possible. Every company calculates rates differently, and quoted rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Atlas Cross Sport | $332 | $714 | $598 | $1,882 |
| 2023 Volkswagen Atlas Cross Sport | $320 | $698 | $624 | $1,880 |
| 2022 Volkswagen Atlas Cross Sport | $310 | $668 | $644 | $1,860 |
| 2021 Volkswagen Atlas Cross Sport | $292 | $646 | $664 | $1,840 |
| 2020 Volkswagen Atlas Cross Sport | $282 | $598 | $676 | $1,794 |
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 Find the Best Volkswagen Atlas Cross Sport Insurance
Finding cheaper rates on Volkswagen Atlas Cross Sport insurance not only requires having a decent driving record, but also having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to shop around at every policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following items are a brief recap of the data illustrated above.
- Drivers who require additional liability coverage will pay approximately $730 per year to go from a 30/60 limit to 250/500 limits
- You may be able to save as much as $220 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save around $625 each year
- 16 to 18-year-old drivers are charged the highest rates, with premiums being up to $602 each month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,222 |
| 20 | $4,316 |
| 30 | $1,900 |
| 40 | $1,840 |
| 50 | $1,686 |
| 60 | $1,658 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,256 |
| $250 | $2,062 |
| $500 | $1,840 |
| $1,000 | $1,628 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,840 |
| 50/100 | $1,973 |
| 100/300 | $2,139 |
| 250/500 | $2,570 |
| 100 CSL | $2,039 |
| 300 CSL | $2,404 |
| 500 CSL | $2,670 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,266 |
| 20 | $6,888 |
| 30 | $4,086 |
| 40 | $4,024 |
| 50 | $3,848 |
| 60 | $3,814 |
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 | $96 |
| Multi-vehicle | $101 |
| Homeowner | $29 |
| 5-yr Accident Free | $133 |
| 5-yr Claim Free | $119 |
| Paid in Full/EFT | $80 |
| Advance Quote | $91 |
| Online Quote | $128 |
| Total Discounts | $777 |
Discounts are estimated and may not be available from every company or in every state.
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