Volkswagen Atlas Cross Sport Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Volkswagen Atlas Cross Sport are $1,860 a year for full coverage. Comprehensive costs around $310 a year, collision costs $668, and liability is $644. Liability-only insurance costs around $726 a year, with high-risk driver insurance costing around $4,064. Teens pay the highest rates at $7,246 a year or more.
Average premium for full coverage: $1,860
Price estimates for individual coverage:
Prices are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Atlas Cross Sport trim levels.
Price Range from Low to High
For the normal driver, Volkswagen Atlas Cross Sport insurance prices go from as low as $726 for basic liability insurance to a high of $4,064 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than cities with more traffic congestion.
The diagram below illustrates how geographic area affects auto insurance rates.
The ranges above show why it is important to compare rates quotes for a specific zip code and risk profile, instead of making a decision based 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.
Rate Comparisons
The chart below shows estimated Volkswagen Atlas Cross Sport insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $1,074
- Raising to $1,000 deductibles will save about $1,640 a year
- The average rate for the average middle-age driver using $500 deductibles is $1,860
- Selecting low $100 deductibles will increase the cost to $2,296
- Drivers with serious driving violations could pay at least $4,064 or more
- The price for full coverage for a 16-year-old driver can be $7,246
Car insurance prices for a Volkswagen Atlas Cross Sport are also quite variable based on your driving record, the trim level of your Atlas Cross Sport, and deductibles and policy limits.
Older drivers with no driving violations and high deductibles may pay as low as $1,700 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged as much as $7,200 a year. View Rates by Age
The state you live in also has a big influence on Volkswagen Atlas Cross Sport insurance prices. A middle-age driver might find prices as low as $1,230 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,650 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $660 annually, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $579 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at least $2,200 to $3,100 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 131% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the only way to know your exact price is to get quotes from multiple companies. Every auto insurance company calculates prices differently, so rate quotes may be quite different from one company to the next.
| 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 Find Affordable Volkswagen Atlas Cross Sport Insurance
Getting lower rates on insurance for a Volkswagen Atlas Cross Sport consists of being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates once a year by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.
The items below are a brief review of the data that was presented in the illustrations above.
- Drivers can save up to $220 per year simply by quoting early and online
- Insureds who may need more liability coverage will pay approximately $710 each year to raise from a low limit to 250/500 limits
- Teen drivers are the costliest to insure, with premiums as much as $604 a month if full coverage is included
- Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $2,200 more every year to insure their Atlas Cross Sport
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,296 |
| $250 | $2,090 |
| $500 | $1,860 |
| $1,000 | $1,640 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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