Volkswagen Routan Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 5, 2023
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The average insurance rates for a Volkswagen Routan are $1,320 a year including full coverage. Comprehensive costs on average $336 a year, collision insurance costs $532, and liability costs around $316. Liability-only coverage costs as low as $376 a year, and high-risk coverage costs around $2,826. 16-year-old drivers cost the most to insure at up to $4,716 a year.
Average premium for full coverage: $1,320
Policy rates by type of insurance:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Routan trim levels.
Price Range Variability
For the average driver, Volkswagen Routan insurance rates range from the low end price of $376 for just liability coverage to a high of $2,826 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates how location impacts car insurance rates.
The examples above highlight why it is important to compare prices based on a specific location, instead of making a decision based on 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.
Detailed Rate Analysis
The chart below breaks down average Volkswagen Routan insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $760
- Using higher $1,000 deductibles will save around $1,120 every year
- The estimated price for a good driver age 40 with $500 deductibles is $1,320
- Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,698
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,826
- Policy cost that insures a 16-year-old driver may cost $4,716 or more
Insurance rates for a Volkswagen Routan also range considerably based on the trim level of your Routan, your driving record and age, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can be from 45% to 127% more than the average rate. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,700 a year. View Rates by Age
Your home state has a huge impact on Volkswagen Routan insurance prices. A driver around age 40 might see rates as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,880 on average in Michigan, New York, and Louisiana.
| 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% |
Opting for high physical damage deductibles could cut rates by as much as $580 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $285 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Cheaper Volkswagen Routan Insurance
Finding cheaper rates on insurance for a Volkswagen Routan requires having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Comparison shop at every policy renewal by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.
The following items are a condensed summary of the data touched on above.
- Insureds who require additional liability coverage will pay around $350 per year to increase from a 30/60 limit to the 250/500 level
- You may be able to save as much as $160 per year just by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $575 each year
- 16 to 18-year-old drivers pay higher rates, with premiums being up to $393 each month if comprehensive and collision insurance is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,698 |
| $250 | $1,524 |
| $500 | $1,320 |
| $1,000 | $1,120 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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