Volkswagen Atlas Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 16, 2024

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Volkswagen Atlas insurance

Average auto insurance rates for a Volkswagen Atlas are $1,476 annually for full coverage. Comprehensive costs an estimated $292 each year, collision costs $574, and liability coverage is $452. Liability-only coverage costs around $504 a year, with high-risk coverage costing around $3,212. 16-year-old drivers receive the highest rates at $5,564 a year or more.

Average premium for full coverage: $1,476

Rate estimates broken down by individual coverage type:

Comprehensive $292
Collision $574
Liability $452

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Atlas models.

Price Range by Coverage and Risk

For an average driver, prices range go from as cheap as $504 for basic liability insurance to a high rate of $3,212 for a driver who requires high-risk insurance.

Liability Only $504
Full Coverage $1,476
High Risk $3,212

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. More rural locations tend to have fewer accident claims than congested cities.

The graphic below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,107
Small Cities $1,550
Large Cities $1,993

These examples show why all drivers should compare rates quotes for a targeted area 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.

Rate Comparisons

The chart below shows estimated Volkswagen Atlas insurance rates for other coverage scenarios.

  • The best full coverage rate is $841
  • Raising to $1,000 deductibles will save approximately $196 a year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,476
  • Buying low deductibles will cost $1,860
  • Unlucky drivers with multiple tickets or accidents could pay up to $3,212 or more
  • The cost with full coverage for a teenage driver can cost as much as $5,564

View Chart as Image

Volkswagen Atlas insurance cost comparison chart
Column chart showing full coverage Volkswagen Atlas insurance rates range from $841 to $5,564

Car insurance rates for a Volkswagen Atlas can also vary considerably based on the trim level of your Atlas, your driver profile, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $5,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,800 to $2,400 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $580 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Volkswagen Atlas insurance rates. A middle-age driver might find rates as low as $970 a year in states like Iowa, Maine, and Idaho, or at least $2,100 on average in New York, Louisiana, and Michigan.

Volkswagen Atlas Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,334 -$142 -9.6%
Alaska $1,132 -$344 -23.3%
Arizona $1,224 -$252 -17.1%
Arkansas $1,476 -$0 0.0%
California $1,680 $204 13.8%
Colorado $1,408 -$68 -4.6%
Connecticut $1,518 $42 2.8%
Delaware $1,670 $194 13.1%
Florida $1,846 $370 25.1%
Georgia $1,362 -$114 -7.7%
Hawaii $1,060 -$416 -28.2%
Idaho $998 -$478 -32.4%
Illinois $1,100 -$376 -25.5%
Indiana $1,110 -$366 -24.8%
Iowa $996 -$480 -32.5%
Kansas $1,402 -$74 -5.0%
Kentucky $2,012 $536 36.3%
Louisiana $2,184 $708 48.0%
Maine $910 -$566 -38.3%
Maryland $1,216 -$260 -17.6%
Massachusetts $1,180 -$296 -20.1%
Michigan $2,562 $1,086 73.6%
Minnesota $1,234 -$242 -16.4%
Mississippi $1,768 $292 19.8%
Missouri $1,308 -$168 -11.4%
Montana $1,584 $108 7.3%
Nebraska $1,164 -$312 -21.1%
Nevada $1,770 $294 19.9%
New Hampshire $1,064 -$412 -27.9%
New Jersey $1,650 $174 11.8%
New Mexico $1,306 -$170 -11.5%
New York $1,554 $78 5.3%
North Carolina $850 -$626 -42.4%
North Dakota $1,208 -$268 -18.2%
Ohio $1,020 -$456 -30.9%
Oklahoma $1,514 $38 2.6%
Oregon $1,352 -$124 -8.4%
Pennsylvania $1,408 -$68 -4.6%
Rhode Island $1,970 $494 33.5%
South Carolina $1,336 -$140 -9.5%
South Dakota $1,244 -$232 -15.7%
Tennessee $1,292 -$184 -12.5%
Texas $1,780 $304 20.6%
Utah $1,092 -$384 -26.0%
Vermont $1,010 -$466 -31.6%
Virginia $882 -$594 -40.2%
Washington $1,140 -$336 -22.8%
West Virginia $1,352 -$124 -8.4%
Wisconsin $1,022 -$454 -30.8%
Wyoming $1,314 -$162 -11.0%

View Chart as Image

Volkswagen Atlas insurance rates by U.S. city

With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes can be significantly different between companies.

Volkswagen Atlas Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Volkswagen Atlas $358 $690 $390 $1,596
2023 Volkswagen Atlas $344 $686 $398 $1,586
2022 Volkswagen Atlas $332 $668 $416 $1,574
2021 Volkswagen Atlas $320 $640 $430 $1,548
2020 Volkswagen Atlas $304 $618 $442 $1,522
2019 Volkswagen Atlas $292 $574 $452 $1,476
2018 Volkswagen Atlas $280 $540 $456 $1,434

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 Cheapest Volkswagen Atlas Insurance

Saving money on auto insurance consists of avoiding accidents and violations, having a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Take the time to compare rates at every other renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a recap of the concepts that were covered in the above illustrations.

  • Drivers that have major violations or accidents may pay on average $1,740 more annually for car insurance
  • Teenagers have the highest car insurance rates, costing as high as $464 per month if comprehensive and collision insurance is included
  • Drivers can save approximately $180 per year simply by quoting online in advance
  • Increasing deductibles could save up to $575 each year
  • Drivers can save approximately $180 per year simply by quoting online in advance

Rates by Driver Age

Volkswagen Atlas Insurance Rates by Driver Age
Driver Age Premium
16 $5,564
20 $3,430
30 $1,536
40 $1,476
50 $1,348
60 $1,324

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Atlas Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,860
$250 $1,680
$500 $1,476
$1,000 $1,280

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Atlas Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,476
50/100 $1,566
100/300 $1,679
250/500 $1,973
100 CSL $1,612
300 CSL $1,860
500 CSL $2,041

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Atlas Insurance Rates for High Risk Drivers
Age Premium
16 $7,950
20 $5,468
30 $3,280
40 $3,212
50 $3,070
60 $3,042

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.

SR-22 Surcharge $211

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $79
Multi-vehicle $79
Homeowner $22
5-yr Accident Free $111
5-yr Claim Free $97
Paid in Full/EFT $68
Advance Quote $74
Online Quote $105
Total Discounts $635
Rate after discounts $841

Discounts are estimated and may not be available from every company or in every state.

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