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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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Estimated insurance rates for a Volkswagen Routan are $1,000 a year with full coverage. Comprehensive costs an estimated $194, collision costs $268, and liability coverage is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing around $2,148. 16-year-old drivers pay the most at $3,878 a year or more.

Average premium for full coverage: $1,000

Premium estimates broken down by type of coverage:

Comprehensive $194
Collision $268
Liability $402

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different Routan trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Volkswagen Routan go from the low end price of $446 for your basic liability-only policy to a much higher rate of $2,148 for a driver who has had serious violations or accidents.

Liability Only $446
Full Coverage $1,000
High Risk $2,148

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than congested cities.

The price range example below illustrates how location helps determine insurance prices.

Rural Areas $750
Small Cities $1,050
Large Cities $1,350

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than using 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 Information

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

  • The best full coverage rate is $597
  • Raising to $1,000 deductibles will save approximately $106 annually
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $1,000
  • Buying more expensive low deductibles bumps up the cost to $1,202
  • Unlucky drivers with multiple tickets or accidents could pay up to $2,148 or more
  • An auto insurance policy that insures a teenage driver with full coverage can cost as much as $3,878

View Chart as Image

Volkswagen Routan insurance cost comparison chart
Column chart showing full coverage Volkswagen Routan insurance rates range from $597 to $3,878

Insurance prices for a Volkswagen Routan also have a wide range based on the model year and trim level, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,200 to $1,700 extra annually, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 134% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $3,800 a year. View Rates by Age

Where you choose to live also has a big influence on Volkswagen Routan insurance rates. A middle-age driver might find prices as low as $720 a year in states like Utah, Ohio, and New Hampshire, or at least $1,350 on average in New York, Michigan, and Florida.

Volkswagen Routan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $904 -$96 -9.6%
Alaska $768 -$232 -23.2%
Arizona $830 -$170 -17.0%
Arkansas $1,000 -$0 0.0%
California $1,140 $140 14.0%
Colorado $954 -$46 -4.6%
Connecticut $1,028 $28 2.8%
Delaware $1,130 $130 13.0%
Florida $1,248 $248 24.8%
Georgia $926 -$74 -7.4%
Hawaii $718 -$282 -28.2%
Idaho $678 -$322 -32.2%
Illinois $746 -$254 -25.4%
Indiana $754 -$246 -24.6%
Iowa $674 -$326 -32.6%
Kansas $950 -$50 -5.0%
Kentucky $1,364 $364 36.4%
Louisiana $1,480 $480 48.0%
Maine $618 -$382 -38.2%
Maryland $826 -$174 -17.4%
Massachusetts $798 -$202 -20.2%
Michigan $1,736 $736 73.6%
Minnesota $838 -$162 -16.2%
Mississippi $1,198 $198 19.8%
Missouri $888 -$112 -11.2%
Montana $1,074 $74 7.4%
Nebraska $788 -$212 -21.2%
Nevada $1,200 $200 20.0%
New Hampshire $722 -$278 -27.8%
New Jersey $1,120 $120 12.0%
New Mexico $884 -$116 -11.6%
New York $1,054 $54 5.4%
North Carolina $576 -$424 -42.4%
North Dakota $822 -$178 -17.8%
Ohio $688 -$312 -31.2%
Oklahoma $1,024 $24 2.4%
Oregon $916 -$84 -8.4%
Pennsylvania $954 -$46 -4.6%
Rhode Island $1,334 $334 33.4%
South Carolina $906 -$94 -9.4%
South Dakota $844 -$156 -15.6%
Tennessee $874 -$126 -12.6%
Texas $1,204 $204 20.4%
Utah $740 -$260 -26.0%
Vermont $684 -$316 -31.6%
Virginia $598 -$402 -40.2%
Washington $770 -$230 -23.0%
West Virginia $916 -$84 -8.4%
Wisconsin $690 -$310 -31.0%
Wyoming $890 -$110 -11.0%

View Chart as Image

Volkswagen Routan insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $310 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out which insurance company is cheapest is to compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different.

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 $922 $77
Volkswagen Routan SE 2WD $976 $81
Volkswagen Routan SEL 2WD $1,040 $87
Volkswagen Routan SEL Premium 6 Cyl 2WD $1,064 $89

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 $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 Find Low Cost Volkswagen Routan Insurance

Finding better rates on auto insurance consists of having a decent driving record, having above-average credit, being claim-free, and taking advantage of discounts. Comparison shop every other policy renewal by getting quotes from direct companies, and also from insurance agencies where you live.

The following items are a review of the ideas that were covered in the charts and tables above.

  • 16 to 18-year-old drivers are charged the highest prices, possibly costing $323 per month if full coverage is included
  • Drivers who have several accidents or serious violations could be forced to pay on average $1,150 more annually than a driver with a clean driving record
  • Increasing policy deductibles can save approximately $300 each year
  • You may be able to save approximately $110 per year simply by shopping early and online

Rates by Driver Age

Volkswagen Routan Insurance Rates by Driver Age
Driver Age Premium
16 $3,878
20 $2,278
30 $1,028
40 $1,000
50 $918
60 $898

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Routan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,202
$250 $1,110
$500 $1,000
$1,000 $894

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Routan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,000
50/100 $1,144
100/300 $1,245
250/500 $1,506
100 CSL $1,185
300 CSL $1,406
500 CSL $1,567

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Routan Insurance Rates for High Risk Drivers
Age Premium
16 $5,494
20 $3,624
30 $2,180
40 $2,148
50 $2,050
60 $2,030

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 $134

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $52
Multi-vehicle $53
Homeowner $17
5-yr Accident Free $65
5-yr Claim Free $63
Paid in Full/EFT $39
Advance Quote $45
Online Quote $69
Total Discounts $403
Rate after discounts $597

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

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