Volkswagen Routan Insurance Rates

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UPDATED: Jun 5, 2023

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Average insurance rates for a Volkswagen Routan are $1,320 a year with full coverage. Comprehensive insurance costs approximately $336 each year, collision costs $532, and liability is estimated at $316. Liability-only coverage costs approximately $376 a year, with high-risk coverage costing $2,826 or more. Teens receive the highest rates at $4,716 a year or more.

Average premium for full coverage: $1,320

Rate estimates by individual coverage type:

Comprehensive $336
Collision $532
Liability $316

Includes $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and Routan models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from the low end price of $376 for liability-only coverage to a high rate of $2,826 for high-risk insurance.

Liability Only $376
Full Coverage $1,320
High Risk $2,826

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Rural locations tend to have lower incidents of collision claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $990
Small Cities $1,386
Large Cities $1,782

These examples demonstrate why all drivers should get quotes using their specific location, instead of making a decision based on 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.

Additional Charts and Tables

The chart below details estimated Volkswagen Routan insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $760
  • Choosing higher $1,000 deductibles can save $200 annually
  • The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,320
  • Selecting low deductibles for comp and collision coverage will cost an additional $378 annually
  • Higher-risk drivers with serious driving violations could pay around $2,826 or more
  • The cost that insures a 16-year-old driver can cost $4,716 each year

View Chart as Image

Volkswagen Routan insurance cost comparison chart
Column chart showing full coverage Volkswagen Routan insurance prices range from $760 to $4,716

Car insurance rates for a Volkswagen Routan can also vary considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers ranges from 45% to 127% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $4,700 a year. View Rates by Age

Where you live plays a big part in determining prices for Volkswagen Routan insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,780 on average in New York, Michigan, and Florida.

Volkswagen Routan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,190 -$130 -9.8%
Alaska $1,012 -$308 -23.3%
Arizona $1,094 -$226 -17.1%
Arkansas $1,320 -$0 0.0%
California $1,502 $182 13.8%
Colorado $1,258 -$62 -4.7%
Connecticut $1,354 $34 2.6%
Delaware $1,492 $172 13.0%
Florida $1,646 $326 24.7%
Georgia $1,220 -$100 -7.6%
Hawaii $948 -$372 -28.2%
Idaho $894 -$426 -32.3%
Illinois $982 -$338 -25.6%
Indiana $992 -$328 -24.8%
Iowa $890 -$430 -32.6%
Kansas $1,250 -$70 -5.3%
Kentucky $1,800 $480 36.4%
Louisiana $1,952 $632 47.9%
Maine $814 -$506 -38.3%
Maryland $1,088 -$232 -17.6%
Massachusetts $1,050 -$270 -20.5%
Michigan $2,290 $970 73.5%
Minnesota $1,104 -$216 -16.4%
Mississippi $1,580 $260 19.7%
Missouri $1,170 -$150 -11.4%
Montana $1,416 $96 7.3%
Nebraska $1,038 -$282 -21.4%
Nevada $1,582 $262 19.8%
New Hampshire $952 -$368 -27.9%
New Jersey $1,474 $154 11.7%
New Mexico $1,164 -$156 -11.8%
New York $1,388 $68 5.2%
North Carolina $758 -$562 -42.6%
North Dakota $1,082 -$238 -18.0%
Ohio $908 -$412 -31.2%
Oklahoma $1,352 $32 2.4%
Oregon $1,210 -$110 -8.3%
Pennsylvania $1,256 -$64 -4.8%
Rhode Island $1,760 $440 33.3%
South Carolina $1,196 -$124 -9.4%
South Dakota $1,112 -$208 -15.8%
Tennessee $1,154 -$166 -12.6%
Texas $1,590 $270 20.5%
Utah $976 -$344 -26.1%
Vermont $902 -$418 -31.7%
Virginia $790 -$530 -40.2%
Washington $1,016 -$304 -23.0%
West Virginia $1,210 -$110 -8.3%
Wisconsin $912 -$408 -30.9%
Wyoming $1,174 -$146 -11.1%

View Chart as Image

Volkswagen Routan insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $580 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $285 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Each auto insurer calculates rates differently, so rate quotes can be significantly different.

Insurance Rates by Trim Level and Model Year

Volkswagen Routan Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volkswagen Routan S 2WD $1,170 $98
Volkswagen Routan SE 2WD $1,274 $106
Volkswagen Routan SEL 2WD $1,394 $116
Volkswagen Routan SEL Premium 6 Cyl 2WD $1,440 $120

Rates assume 2025 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Volkswagen Routan Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2012 Volkswagen Routan $190 $244 $406 $976

Rates are averaged for all Volkswagen Routan 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 Cheapest Volkswagen Routan Insurance

Saving money on insurance for a Volkswagen Routan takes avoiding accidents and claims, having a positive credit history, eliminating unnecessary coverage, and avoiding coverage lapses. Compare rates every couple of years by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The points below are a recap of the material that was raised in the charts and tables above.

  • Insureds who purchase increased liability limits will pay approximately $350 every year to raise limits from a minimum limit to the 250/500 level
  • Drivers under the age of 20 pay the highest auto insurance rates, with premiums as much as $393 per month if full coverage is purchased
  • Drivers considered higher risk that have major violations or accidents may have to pay on average $1,510 more per year to insure a Volkswagen Routan
  • Increasing deductibles can save approximately $575 each year

Rates by Driver Age

Volkswagen Routan Insurance Rates by Driver Age
Driver Age Premium
16 $4,716
20 $3,000
30 $1,386
40 $1,320
50 $1,202
60 $1,178

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Routan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,698
$250 $1,524
$500 $1,320
$1,000 $1,120

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Routan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,320
50/100 $1,503
100/300 $1,582
250/500 $1,788
100 CSL $1,535
300 CSL $1,709
500 CSL $1,835

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Routan Insurance Rates for High Risk Drivers
Age Premium
16 $6,750
20 $4,760
30 $2,898
40 $2,826
50 $2,688
60 $2,662

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 $179

Potential Rate Discounts

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

Discount Savings
Multi-policy $71
Multi-vehicle $66
Homeowner $18
5-yr Accident Free $98
5-yr Claim Free $85
Paid in Full/EFT $62
Advance Quote $65
Online Quote $95
Total Discounts $560
Rate after discounts $760

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

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