Volkswagen Routan Insurance Rates

The average insurance rates for a Volkswagen Routan are $1,320 a year for full coverage. Comprehensive costs around $336 a year, collision costs $532, and liability insurance costs $316. Buying just liability costs as little as $376 a year, with insurance for high-risk drivers costing around $2,826. 16-year-old drivers cost the most to insure at $4,716 a year or more.

Average premium for full coverage: $1,320

Policy rates for type of insurance:

Price estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Routan trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than congested cities.

The diagram below illustrates how your location can change auto insurance rates.

The examples above show why it is important to compare rates for a specific zip code and risk profile, rather than relying on rate averages.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below shows estimated Volkswagen Routan insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $760
• Drivers who choose higher $1,000 deductibles will pay about $1,120 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,320
• Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,698
• High risk drivers with multiple tickets or accidents could pay at least $2,826 or more
• Policy cost for full coverage for a teen driver can be $4,716 a year

View Chart as Image

Insurance rates for a Volkswagen Routan also range considerably based on your risk profile, the trim level of your Routan, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $4,700 a year. View Rates by Age

Your home state makes a big difference in Volkswagen Routan insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or at least $1,880 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $580 each year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $285 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 127% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to get quotes from as many companies as possible. Every company utilizes a different rate formula, so the rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheaper Volkswagen Routan Insurance

Finding cheaper rates on Volkswagen Routan insurance not only requires having a good driving record, but also maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The next list is a condensed summary of the data that was illustrated above.

• Drivers can save up to $160 per year simply by quoting early and online
• Drivers who may need increased levels of liability coverage will pay around $350 each year to go from a 30/60 limit to 250/500 limits
• Drivers age 20 and younger pay higher rates, costing up to $393 each month for full coverage
• High-risk drivers with multiple at-fault accidents may be required to pay an average of $1,510 more every year to buy Volkswagen Routan insurance