Volkswagen Routan Insurance Rates
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Michelle Robbins
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UPDATED: Jun 5, 2023
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The average insurance prices for a Volkswagen Routan are $1,320 every 12 months with full coverage. Comprehensive costs on average $336 a year, collision costs $532, and liability insurance costs $316. A liability-only policy costs as little as $376 a year, with high-risk insurance 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 by type of insurance:
Rate estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Routan trim levels.
Price Range Variability
For an average driver, Volkswagen Routan insurance rates go from the cheapest price of $376 for just liability insurance to a high of $2,826 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Your location has a significant impact on auto insurance rates. Rural areas are shown to have more infrequent collision claims than congested cities.
The diagram below illustrates the effect of geographic area on car insurance rates.
The examples above demonstrate why it is important to compare rates based on a specific location and their own driving history, rather than relying 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.
More Rate Details
The chart below details estimated Volkswagen Routan insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $760
- Drivers who choose higher $1,000 deductibles will pay around $1,120 annually
- The average price for a good driver age 40 with $500 deductibles is $1,320
- Buying low $100 deductibles for comprehensive and collision insurance increases the price to $1,698
- High risk drivers with multiple tickets or accidents could pay upwards of $2,826 or more
- Policy cost to insure a teen driver may cost $4,716 a year
Car insurance rates for a Volkswagen Routan also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Routan.
Opting for high physical damage deductibles could save up to $580 each year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $285 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $4,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $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
Your home state makes a big difference in Volkswagen Routan insurance rates. A 40-year-old driver could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or at least $1,780 on average in Florida, Michigan, and New York.
| 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% |
Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Every company utilizes a different rate formula, so rate quotes will be varied.
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 2026 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 | $176 | $222 | $402 | $936 |
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 Shop for the Best Volkswagen Routan Insurance
Finding cheaper rates on Volkswagen Routan insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, not filing small claims, and maximizing policy discounts. Take the time to compare rates at least once a year by requesting rates from direct companies, and also from local exclusive and independent agents.
Below is a brief recap of the primary concepts that were covered in the above illustrations.
- You may be able to save as much as $160 per year simply by quoting early and online
- High-risk drivers who tend to receive serious violations may pay on average $1,510 more each year for auto insurance
- Increasing comprehensive and collision deductibles could save as much as $575 each year
- Teenage drivers are expensive to insure, as much as $393 each month if the policy includes full coverage
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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