Volkswagen Atlas Cross Sport Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance rates for a Volkswagen Atlas Cross Sport are $1,860 a year for full coverage insurance. Comprehensive insurance costs approximately $310 each year, collision insurance costs $668, and liability insurance costs around $644. A policy with just liability insurance costs as low as $726 a year, and coverage for high-risk drivers costs $4,064 or more. 16-year-old drivers receive the highest rates at up to $7,246 a year.

Average premium for full coverage: $1,860

Rate estimates by individual coverage type:

Comprehensive $310
Collision $668
Liability $644

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and Atlas Cross Sport models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $726 for just liability coverage to a high rate of $4,064 for a driver required to buy high-risk insurance.

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

Price Range by Location

Where you live has a significant impact on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than congested cities. The graphic below illustrates how your location can change auto insurance prices.

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

These examples illustrate why all drivers should compare prices using their specific location and risk profile, rather than relying 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.

Detailed Rate Analysis

The chart below illustrates average Volkswagen Atlas Cross Sport insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $1,074
  • Using higher $1,000 deductibles will save $220 each year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,860
  • Buying low deductibles for physical damage coverage will cost an extra $436 a year
  • Drivers with multiple tickets or accidents could pay around $4,064
  • The cost for full coverage for a teen driver can cost $7,246 or more

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 can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,700 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $7,200 a year. View Rates by Age

Where you live has a huge impact on Volkswagen Atlas Cross Sport insurance rates. A driver around age 40 might see rates as low as $1,210 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,510 on average in Florida, New York, and Michigan.

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

Opting for high physical damage deductibles could cut rates by as much as $660 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $579 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $2,200 to $3,100 additional per year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

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 Find Affordable Volkswagen Atlas Cross Sport Insurance

Saving money on Volkswagen Atlas Cross Sport insurance requires avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to shop around at every policy renewal by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The list below is a brief review of the data illustrated above.

  • Drivers who purchase higher liability limits will pay around $710 annually to increase from a minimum limit to 250/500 limits
  • It is possible to save around $220 per year just by quoting online in advance
  • Increasing deductibles can save around $650 each year
  • Teenagers are the costliest to insure, costing up to $604 per month including comprehensive and collision insurance

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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