Volkswagen Atlas Insurance Rates
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UPDATED: Apr 16, 2024
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Estimated auto insurance rates for a Volkswagen Atlas are $1,522 annually for full coverage insurance. Comprehensive insurance costs approximately $304, collision costs $618, and liability costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing $3,322 or more. Teen drivers pay the most at $5,716 a year or more.
Average premium for full coverage: $1,522
Premium estimates by type of coverage:
Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all Atlas models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Volkswagen Atlas go from as cheap as $496 for the bare minimum liability coverage to the much higher price of $3,322 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than larger metro areas.
The example below illustrates how rural and urban location affects auto insurance prices.
These rate differences illustrate why everyone should compare prices using their specific location and their own personal driving habits, instead of making a decision based on price 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 Information
The chart below illustrates estimated Volkswagen Atlas insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $861
- Using higher $1,000 deductibles will save $210 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,522
- Choosing pricier low deductibles for physical damage coverage costs an additional $410 annually
- High-risk insureds with multiple violations and an at-fault accident could pay around $3,322 or more
- An auto insurance policy with full coverage for a 16-year-old driver for full coverage can cost $5,716 or more
Insurance prices for a Volkswagen Atlas also have a wide range based on the model of your Atlas, your risk profile, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,800 to $2,500 additional annually, depending on your age. Volkswagen Atlas insurance for high-risk drivers can be from 44% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $620 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Volkswagen Atlas insurance prices. A driver around age 40 might see prices as low as $1,000 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,060 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,376 | -$146 | -9.6% |
| Alaska | $1,168 | -$354 | -23.3% |
| Arizona | $1,266 | -$256 | -16.8% |
| Arkansas | $1,522 | -$0 | 0.0% |
| California | $1,734 | $212 | 13.9% |
| Colorado | $1,454 | -$68 | -4.5% |
| Connecticut | $1,566 | $44 | 2.9% |
| Delaware | $1,724 | $202 | 13.3% |
| Florida | $1,904 | $382 | 25.1% |
| Georgia | $1,406 | -$116 | -7.6% |
| Hawaii | $1,094 | -$428 | -28.1% |
| Idaho | $1,030 | -$492 | -32.3% |
| Illinois | $1,134 | -$388 | -25.5% |
| Indiana | $1,146 | -$376 | -24.7% |
| Iowa | $1,026 | -$496 | -32.6% |
| Kansas | $1,448 | -$74 | -4.9% |
| Kentucky | $2,078 | $556 | 36.5% |
| Louisiana | $2,256 | $734 | 48.2% |
| Maine | $940 | -$582 | -38.2% |
| Maryland | $1,256 | -$266 | -17.5% |
| Massachusetts | $1,218 | -$304 | -20.0% |
| Michigan | $2,644 | $1,122 | 73.7% |
| Minnesota | $1,274 | -$248 | -16.3% |
| Mississippi | $1,824 | $302 | 19.8% |
| Missouri | $1,350 | -$172 | -11.3% |
| Montana | $1,636 | $114 | 7.5% |
| Nebraska | $1,202 | -$320 | -21.0% |
| Nevada | $1,826 | $304 | 20.0% |
| New Hampshire | $1,096 | -$426 | -28.0% |
| New Jersey | $1,702 | $180 | 11.8% |
| New Mexico | $1,348 | -$174 | -11.4% |
| New York | $1,604 | $82 | 5.4% |
| North Carolina | $876 | -$646 | -42.4% |
| North Dakota | $1,246 | -$276 | -18.1% |
| Ohio | $1,052 | -$470 | -30.9% |
| Oklahoma | $1,564 | $42 | 2.8% |
| Oregon | $1,394 | -$128 | -8.4% |
| Pennsylvania | $1,454 | -$68 | -4.5% |
| Rhode Island | $2,030 | $508 | 33.4% |
| South Carolina | $1,378 | -$144 | -9.5% |
| South Dakota | $1,286 | -$236 | -15.5% |
| Tennessee | $1,336 | -$186 | -12.2% |
| Texas | $1,834 | $312 | 20.5% |
| Utah | $1,128 | -$394 | -25.9% |
| Vermont | $1,042 | -$480 | -31.5% |
| Virginia | $912 | -$610 | -40.1% |
| Washington | $1,178 | -$344 | -22.6% |
| West Virginia | $1,396 | -$126 | -8.3% |
| Wisconsin | $1,054 | -$468 | -30.7% |
| Wyoming | $1,356 | -$166 | -10.9% |
With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, and prices will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Atlas | $376 | $718 | $372 | $1,624 |
| 2023 Volkswagen Atlas | $358 | $690 | $390 | $1,596 |
| 2022 Volkswagen Atlas | $344 | $686 | $398 | $1,586 |
| 2021 Volkswagen Atlas | $332 | $668 | $416 | $1,574 |
| 2020 Volkswagen Atlas | $320 | $640 | $430 | $1,548 |
| 2019 Volkswagen Atlas | $304 | $618 | $442 | $1,522 |
| 2018 Volkswagen Atlas | $292 | $574 | $452 | $1,476 |
Rates are averaged for all Volkswagen Atlas 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 the Right Volkswagen Atlas Insurance
Finding better rates on insurance for a Volkswagen Atlas requires having a decent driving record, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to shop around at every policy renewal by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.
The following items are a quick rundown of the data raised in the charts and tables above.
- Insureds who purchase additional liability coverage will pay about $490 annually to increase from 30/60 bodily injury limits to higher 250/500 limits
- It is possible to save around $190 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $625 each year
- 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $476 per month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,716 |
| 20 | $3,548 |
| 30 | $1,590 |
| 40 | $1,522 |
| 50 | $1,392 |
| 60 | $1,366 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,932 |
| $250 | $1,740 |
| $500 | $1,522 |
| $1,000 | $1,312 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,522 |
| 50/100 | $1,610 |
| 100/300 | $1,721 |
| 250/500 | $2,008 |
| 100 CSL | $1,655 |
| 300 CSL | $1,898 |
| 500 CSL | $2,075 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,174 |
| 20 | $5,658 |
| 30 | $3,394 |
| 40 | $3,322 |
| 50 | $3,172 |
| 60 | $3,146 |
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 | $82 |
| Multi-vehicle | $82 |
| Homeowner | $22 |
| 5-yr Accident Free | $116 |
| 5-yr Claim Free | $100 |
| Paid in Full/EFT | $72 |
| Advance Quote | $78 |
| Online Quote | $109 |
| Total Discounts | $661 |
Discounts are estimated and may not be available from every company or in every state.
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