Volkswagen Routan Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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Average auto insurance rates for a Volkswagen Routan are $1,320 annually including full coverage. Comprehensive insurance costs an estimated $336, collision costs $532, and liability is $316. Buying just liability costs around $376 a year, with insurance for high-risk drivers 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 broken down by individual coverage type:

Comprehensive $336
Collision $532
Liability $316

Rate estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all Routan models.

Price Range by Coverage and Risk

For the normal driver, prices range go from as cheap as $376 for a discount liability-only rate to the much higher price of $2,826 for a driver who requires high-risk insurance.

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

Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how geographic area affects insurance prices.

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

These examples highlight why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of using 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.

Rates by State, City, and Model

The chart below breaks down estimated Volkswagen Routan insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $760
  • Raising to $1,000 deductibles will save approximately $200 every year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,320
  • Selecting pricier low deductibles costs an additional $378 every year
  • At-risk drivers with serious driving violations could pay up to $2,826 or more
  • The cost with full coverage for a teen driver for full coverage can cost as much as $4,716

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

Auto insurance rates for a Volkswagen Routan can also vary considerably based on the trim level of your Routan, your driving characteristics, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,500 to $2,100 in extra premium per year, depending on your age. Volkswagen Routan insurance for high-risk drivers is expensive and can cost as much as 45% to 127% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $580 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $285 extra every year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Volkswagen Routan insurance prices. A middle-age driver might find rates as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,880 on average in Louisiana, New York, and Michigan.

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

With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, and quoted rates can be significantly different between companies.

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 2024 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 $194 $268 $402 $1,000

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 Buy the Best Volkswagen Routan Insurance

Saving money on car insurance consists of having a good driving record, having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates at every other renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The next list is a brief recap of the concepts that were presented in the illustrations above.

  • Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,510 more annually to buy Volkswagen Routan insurance
  • Drivers age 20 and younger are the costliest to insure, as much as $393 per month if full coverage is included
  • You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles could save up to $575 each year
  • You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date

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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