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 with full coverage. Comprehensive costs approximately $292 a year, collision insurance costs $646, and liability insurance is estimated at $664. Buying just liability costs approximately $744 a year, and insurance for high-risk drivers costs around $4,024. Teens cost the most to insure at up to $7,222 a year.
Average premium for full coverage: $1,840
Policy rates by type of insurance:
Estimates include $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Atlas Cross Sport trim levels.
Price Range Variability
For a driver around age 40, Volkswagen Atlas Cross Sport insurance rates range from the low end price of $744 for basic liability insurance to a high of $4,024 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above demonstrate why it is important to get quotes using their specific location, 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.
Rate Comparisons
The chart below details average Volkswagen Atlas Cross Sport insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $1,063
- Choosing higher $1,000 deductibles can save $1,628 annually
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,840
- Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $2,256
- High-risk insureds with serious driving violations could pay around $4,024
- Policy cost that insures a teen driver can cost $7,222 each year
Insurance rates for a Volkswagen Atlas Cross Sport also range considerably based on the trim level of your Atlas Cross Sport, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $2,200 to $3,100 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,700 annually on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $7,200 a year. View Rates by Age
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 $1,320 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,480 on average in New York, Michigan, 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $630 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $597 more per year. View Rates by Deductible or Liability Limit
| 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 Low Cost Volkswagen Atlas Cross Sport Insurance
Finding cheaper rates on Volkswagen Atlas Cross Sport insurance takes not taking risks behind the wheel, having above-average credit, not filing small claims, and possibly raising deductibles. Compare rates at every policy renewal by requesting rates from direct companies, and also from local insurance agencies.
The following is a review of the data covered above.
- Drivers who purchase higher liability limits will pay approximately $730 every year to raise limits from a 30/60 limit to the 250/500 level
- You may be able to save around $220 per year just by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $625 each year
- Teens are expensive to insure, as much as $602 each month if full coverage is included
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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