Volkswagen Atlas Cross Sport Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Volkswagen Atlas Cross Sport are $1,840 every 12 months for full coverage. Comprehensive costs an estimated $292, collision costs $646, and liability costs around $664. Buying just liability costs as low as $744 a year, with insurance for high-risk drivers costing around $4,024. 16-year-old drivers pay the highest rates at $7,222 a year or more.
Average premium for full coverage: $1,840
Price estimates broken down by individual coverage:
Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for different Atlas Cross Sport trim levels.
Price Range from Low to High
For the average 40-year-old driver, Volkswagen Atlas Cross Sport insurance prices go from the cheapest price of $744 for just the minimum liability insurance to a much higher rate of $4,024 for coverage for higher-risk drivers.
Geographic Price Range
Where you live can have significant affects on insurance rates. More rural locations have more infrequent accident claims than congested cities.
The price range example below illustrates the difference location can make on insurance prices.
The ranges above show why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of 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.
Additional Rate Analysis
The chart below shows estimated Volkswagen Atlas Cross Sport insurance rates for other coverage scenarios.
- The best full coverage rate is $1,063
- Using higher $1,000 deductibles will save approximately $212 a year
- The average price for the average middle-age driver who has $500 deductibles is $1,840
- Buying more expensive low deductibles for physical damage coverage increases the price to $2,256
- Drivers with multiple tickets or accidents could pay up to $4,024 or more
- The price to insure a teen driver with full coverage can cost as much as $7,222 or more
Insurance prices for a Volkswagen Atlas Cross Sport are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles could cut prices by as much as $630 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $597 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as little as $1,700 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $7,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying $2,200 to $3,100 additional each year, depending on your age. High-risk driver insurance can be as much as 43% to 133% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Volkswagen Atlas Cross Sport insurance prices. A driver around age 40 might see prices as low as $1,210 a year in states like Iowa, Maine, and Idaho, or at least $2,620 on average in New York, Louisiana, and Michigan.
| 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% |
Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices and see which company has the best price. Each insurance company utilizes a different rate formula, and prices may be quite different.
| 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 Shop for the Best Volkswagen Atlas Cross Sport Insurance
Getting lower rates on car insurance requires being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Make time to compare rates at least once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below you'll find a brief recap of the primary concepts that were touched on in this article.
- Drivers can save approximately $220 per year simply by shopping early and online
- Higher risk drivers who tend to receive serious violations pay on average $2,180 more annually than a low-risk driver
- Increasing physical damage deductibles could save as much as $625 each year
- Youthful drivers are expensive to insure, with premiums as much as $602 a 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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