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: 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:

Comprehensive $210
Collision $288
Liability $402

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.

Liability Only $446
Full Coverage $1,036
High Risk $2,226

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.

Rural Areas $777
Small Cities $1,088
Large Cities $1,399

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

View Chart as Image

Volkswagen Routan insurance cost comparison chart
Column chart showing full coverage Volkswagen Routan insurance prices range from $617 to $3,982

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.

Volkswagen Routan Insurance Rates by State
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%

View Chart as Image

Volkswagen Routan insurance rates by U.S. city

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

Volkswagen Routan Insurance Rates by Model and Trim Level
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.

Volkswagen Routan Insurance Rates by Model Year
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

Rates by Driver Age

Volkswagen Routan Insurance 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

Volkswagen Routan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,254
$250 $1,154
$500 $1,036
$1,000 $924

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Routan Insurance Rates with Different Liability Limits
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

Volkswagen Routan Insurance 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.

SR-22 Surcharge $139

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
Rate after discounts $617

Discounts are estimated and may not be available from every company or in every state.

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