Volkswagen Routan Insurance Rates
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UPDATED: May 12, 2022
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The average insurance rates for a Volkswagen Routan are $1,036 a year for full coverage. Comprehensive insurance costs on average $210 each year, collision costs $288, and liability insurance costs around $402. Buying just liability costs as low as $446 a year, with insurance for high-risk drivers costing $2,226 or more. Teen drivers cost the most to insure at $3,982 a year or more.
Average premium for full coverage: $1,036
Policy rates by type of insurance:
Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Routan models.
Price Range Variability
Using a 40-year-old driver as an example, Volkswagen Routan insurance rates go from as low as $446 for just the minimum liability insurance to a high rate of $2,226 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than larger metro areas.
The graphic below illustrates how rural and urban location affects car insurance rates.
The examples above show why all drivers should compare prices based on a specific location and risk profile, rather than relying on price 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.
Additional Rate Analysis
The chart below shows estimated Volkswagen Routan insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $617
- Using higher $1,000 deductibles will save around $112 a year
- The average rate for a good driver age 40 with $500 deductibles is $1,036
- Choosing low deductibles for physical damage coverage will cost an extra $218 a year
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,226 or more
- Policy cost for full coverage for a teen driver may cost $3,982 or more
Insurance rates for a Volkswagen Routan also range considerably based on your risk profile, the trim level of your Routan, and policy deductibles and limits.
More mature drivers with a clean driving record and high deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $3,900 a year. View Rates by Age
Your home state has a huge impact on Volkswagen Routan insurance rates. A driver around age 40 might see rates as low as $680 a year in states like Idaho, Maine, and Iowa, or as much as $1,480 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $936 | -$100 | -9.7% |
| Alaska | $796 | -$240 | -23.2% |
| Arizona | $860 | -$176 | -17.0% |
| Arkansas | $1,036 | -$0 | 0.0% |
| California | $1,180 | $144 | 13.9% |
| Colorado | $990 | -$46 | -4.4% |
| Connecticut | $1,064 | $28 | 2.7% |
| Delaware | $1,170 | $134 | 12.9% |
| Florida | $1,294 | $258 | 24.9% |
| Georgia | $958 | -$78 | -7.5% |
| Hawaii | $746 | -$290 | -28.0% |
| Idaho | $702 | -$334 | -32.2% |
| Illinois | $772 | -$264 | -25.5% |
| Indiana | $782 | -$254 | -24.5% |
| Iowa | $698 | -$338 | -32.6% |
| Kansas | $984 | -$52 | -5.0% |
| Kentucky | $1,414 | $378 | 36.5% |
| Louisiana | $1,536 | $500 | 48.3% |
| Maine | $640 | -$396 | -38.2% |
| Maryland | $856 | -$180 | -17.4% |
| Massachusetts | $826 | -$210 | -20.3% |
| Michigan | $1,800 | $764 | 73.7% |
| Minnesota | $868 | -$168 | -16.2% |
| Mississippi | $1,242 | $206 | 19.9% |
| Missouri | $918 | -$118 | -11.4% |
| Montana | $1,112 | $76 | 7.3% |
| Nebraska | $816 | -$220 | -21.2% |
| Nevada | $1,242 | $206 | 19.9% |
| New Hampshire | $748 | -$288 | -27.8% |
| New Jersey | $1,160 | $124 | 12.0% |
| New Mexico | $916 | -$120 | -11.6% |
| New York | $1,092 | $56 | 5.4% |
| North Carolina | $598 | -$438 | -42.3% |
| North Dakota | $850 | -$186 | -18.0% |
| Ohio | $716 | -$320 | -30.9% |
| Oklahoma | $1,062 | $26 | 2.5% |
| Oregon | $948 | -$88 | -8.5% |
| Pennsylvania | $988 | -$48 | -4.6% |
| Rhode Island | $1,380 | $344 | 33.2% |
| South Carolina | $940 | -$96 | -9.3% |
| South Dakota | $876 | -$160 | -15.4% |
| Tennessee | $906 | -$130 | -12.5% |
| Texas | $1,250 | $214 | 20.7% |
| Utah | $768 | -$268 | -25.9% |
| Vermont | $708 | -$328 | -31.7% |
| Virginia | $620 | -$416 | -40.2% |
| Washington | $798 | -$238 | -23.0% |
| West Virginia | $950 | -$86 | -8.3% |
| Wisconsin | $716 | -$320 | -30.9% |
| Wyoming | $922 | -$114 | -11.0% |
Choosing high deductibles could cut rates by as much as $330 each year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $362 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 a minimum $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 129% more than average. View High Risk Driver Rates
Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, so the rates will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volkswagen Routan S 2WD | $952 | $79 |
| Volkswagen Routan SE 2WD | $1,012 | $84 |
| Volkswagen Routan SEL 2WD | $1,080 | $90 |
| Volkswagen Routan SEL Premium 6 Cyl 2WD | $1,106 | $92 |
Rates assume 2012 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 | $210 | $288 | $402 | $1,036 |
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 Volkswagen Routan insurance requires avoiding accidents and violations, maintaining good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Set aside time to shop around at every other renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.
The list below is a condensed summary of the concepts that were raised in the charts and tables above.
- High-risk drivers with multiple at-fault accidents will pay on average $1,190 more each year for car insurance
- Teenagers pay the highest rates, costing up to $332 each month for full coverage
- Drivers can save as much as $120 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $325 each year
- Drivers can save as much as $120 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,982 |
| 20 | $2,356 |
| 30 | $1,068 |
| 40 | $1,036 |
| 50 | $948 |
| 60 | $930 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,254 |
| $250 | $1,154 |
| $500 | $1,036 |
| $1,000 | $924 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,036 |
| 50/100 | $1,186 |
| 100/300 | $1,287 |
| 250/500 | $1,548 |
| 100 CSL | $1,227 |
| 300 CSL | $1,448 |
| 500 CSL | $1,609 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,646 |
| 20 | $3,748 |
| 30 | $2,258 |
| 40 | $2,226 |
| 50 | $2,122 |
| 60 | $2,100 |
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 | $54 |
| Multi-vehicle | $54 |
| Homeowner | $17 |
| 5-yr Accident Free | $68 |
| 5-yr Claim Free | $66 |
| Paid in Full/EFT | $41 |
| Advance Quote | $47 |
| Online Quote | $72 |
| Total Discounts | $419 |
Discounts are estimated and may not be available from every company or in every state.
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