Volkswagen Atlas Cross Sport Insurance Rates
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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 for full coverage. Comprehensive costs on average $310, collision costs $668, and liability coverage is estimated at $644. Liability-only insurance costs approximately $726 a year, with high-risk driver insurance costing around $4,064. 16-year-old drivers cost the most to insure at $7,246 a year or more.
Average premium for full coverage: $1,860
Policy rates by type of insurance:
Full coverage includes $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different Atlas Cross Sport trim levels.
Price Range Variability
For the average driver, Volkswagen Atlas Cross Sport insurance rates go from as cheap as $726 for your basic liability-only policy to a much higher rate of $4,064 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have fewer accident claims than congested cities.
The price range example below illustrates how location impacts car insurance rates.
The examples above show why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, rather than using 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.
More Rate Information
The chart below shows estimated Volkswagen Atlas Cross Sport insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,074
- Choosing higher $1,000 deductibles can save around $220 a year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,860
- Buying more expensive low deductibles for comp and collision coverage will cost $2,296
- Drivers with multiple tickets or accidents could pay upwards of $4,064 or more
- Policy cost with full coverage for a teenage driver with full coverage may cost $7,246 each year
Auto insurance rates for a Volkswagen Atlas Cross Sport also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles may only pay around $1,700 annually on average, or $142 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards of $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 could be paying at a minimum $2,200 to $3,100 in extra premium every year, depending on your age. High-risk driver insurance ranges around 43% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $660 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $579 extra every year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Volkswagen Atlas Cross Sport insurance rates. A good driver about age 40 could pay as low as $1,230 a year in states like Idaho, Maine, and Iowa, or 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% |
Because rates have so much variability, the only way to know exactly what you will pay is to compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, and quoted rates will be varied between companies.
| 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 auto insurance takes not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Spend time shopping around at every other renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The following is a summary of the concepts that were touched on above.
- Drivers who have multiple accidents or major violations may be required to pay an average of $2,200 more each year for Atlas Cross Sport insurance
- Teens are charged the highest rates, costing up to $604 each month if full coverage is included
- Drivers can save as much as $220 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $650 each year
- Drivers can save as much as $220 per year simply by shopping early and online
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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