Volkswagen Atlas Insurance Rates
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UPDATED: Apr 16, 2024
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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:
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.
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.
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
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.
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% |
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.
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,860 |
$250 | $1,680 |
$500 | $1,476 |
$1,000 | $1,280 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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