Volkswagen Atlas Cross Sport Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Volkswagen Atlas Cross Sport are $1,840 a year for full coverage insurance. Comprehensive insurance costs on average $292 each year, collision costs $646, and liability coverage costs around $664. Buying just liability costs as low as $744 a year, with insurance for high-risk drivers costing $4,024 or more. Teenage drivers pay the highest rates at $7,222 a year or more.
Average premium for full coverage: $1,840
Price estimates by individual coverage:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Atlas Cross Sport models.
Price Range from Low to High
For the average 40-year-old driver, Volkswagen Atlas Cross Sport insurance prices go from as low as $744 for the bare minimum liability coverage to a high rate of $4,024 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live has a large influence on insurance rates. Rural areas have a lower frequency of physical damage claims than densely populated cities.
The graphic below illustrates the difference location can make on car insurance rates.
The ranges above illustrate why all drivers should compare prices based on a specific location and risk profile, rather than using average rates.
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 illustrates estimated Volkswagen Atlas Cross Sport insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,063
- Using higher $1,000 deductibles will save around $212 each year
- The average rate for the average middle-age driver with $500 deductibles is $1,840
- Using low deductibles for physical damage coverage will cost an extra $416 each year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $4,024 or more
- The price for full coverage for a teenage driver may cost $7,222 or more
Insurance prices for a Volkswagen Atlas Cross Sport are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.
More mature drivers with no violations or accidents and high deductibles may only pay around $1,700 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $7,200 a year. View Rates by Age
The state you live in has a huge impact on Volkswagen Atlas Cross Sport insurance rates. A driver around age 40 might see prices as low as $1,200 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,480 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles could cut prices by as much as $630 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $597 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $2,200 to $3,100 additional each year, depending on your age. Insurance for high-risk drivers can be around 43% to 133% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, and prices may be quite different 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 Cheap Volkswagen Atlas Cross Sport Insurance
Getting lower rates on auto insurance requires being safe and accident-free, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates once a year by quoting rates from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.
Below you'll find a brief summary of the data that was touched on in this article.
- It is possible to save as much as $220 per year simply by quoting online in advance
- Consumers who require more liability protection will pay an extra $730 annually to increase from a low limit to 250/500 limits
- Youthful drivers pay higher prices, as much as $602 a month including comprehensive and collision insurance
- Drivers that tend to have accidents or serious violations pay an average of $2,180 more each year than a low-risk driver
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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