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...

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UPDATED: Apr 16, 2024

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Volkswagen Atlas insurance

U.S. average insurance rates for a Volkswagen Atlas are $1,522 a year for full coverage insurance. Comprehensive insurance costs around $304, collision insurance costs $618, and liability is estimated at $442. Liability-only insurance costs approximately $496 a year, and high-risk driver insurance costs $3,322 or more. Teens pay the highest rates at up to $5,716 a year.

Average premium for full coverage: $1,522

Price estimates for individual coverage:

Comprehensive $304
Collision $618
Liability $442

Prices include $500 physical damage deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different Atlas trim levels.

Price Range from Low to High

For a driver around age 40, Volkswagen Atlas insurance prices range from as low as $496 for a discount liability-only rate to a much higher rate of $3,322 for a driver that may need high-risk insurance.

Liability Only $496
Full Coverage $1,522
High Risk $3,322

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $1,142
Small Cities $1,598
Large Cities $2,055

The ranges above illustrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, instead of using 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.

Rates by State, City, and Model

The chart below illustrates average Volkswagen Atlas insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $861
  • Choosing higher $1,000 deductibles can save about $210 each year
  • The average rate for the average middle-age driver using $500 deductibles is $1,522
  • Selecting more expensive low deductibles for comp and collision coverage will cost an extra $410 every year
  • Unlucky drivers with serious driving violations could pay at least $3,322
  • The price for full coverage for a teen driver with full coverage can be $5,716 each year

View Chart as Image

Volkswagen Atlas insurance cost comparison chart
Column chart showing Volkswagen Atlas insurance prices range from $861 to $5,716 for full coverage

Car insurance prices for a Volkswagen Atlas are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

An older driver with no driving violations and high deductibles may pay as little as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged as much as $5,700 a year. View Rates by Age

The state you live in plays a big part in determining prices for Volkswagen Atlas insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,060 on average in Michigan, New York, and Florida.

Volkswagen Atlas Insurance Rates by State
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%

View Chart as Image

Volkswagen Atlas insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $620 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,800 to $2,500 extra each year, depending on your age. High-risk driver insurance ranges as much as 44% to 132% more than the average policy. View High Risk Driver Rates

Volkswagen Atlas Insurance Rates by Model Year
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 Find the Right Volkswagen Atlas Insurance

Getting lower rates on car insurance takes being a safe and courteous driver, having above-average credit, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates once a year by requesting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a quick rundown of the data that was covered above.

  • It is possible to save up to $190 per year just by shopping early and online
  • Policyholders who may need higher levels of liability will pay approximately $490 annually to raise limits from a low limit to 250/500 limits
  • Teenage drivers are the costliest to insure, as much as $476 a month if full coverage is included
  • Higher risk drivers with reckless driving or DUI convictions may pay on average $1,800 more every year for auto insurance

Rates by Driver Age

Volkswagen Atlas Insurance 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

Volkswagen Atlas Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,932
$250 $1,740
$500 $1,522
$1,000 $1,312

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Atlas Insurance Rates with Different Liability Limits
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

Volkswagen Atlas Insurance 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.

SR-22 Surcharge $218

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
Rate after discounts $861

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

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