Volkswagen Taos Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Volkswagen Taos are $1,192 annually for full coverage. Comprehensive insurance costs an estimated $270, collision costs $448, and liability costs $338. Buying just liability costs as little as $394 a year, with insurance for high-risk drivers costing $2,562 or more. Teen drivers cost the most to insure at $4,394 a year or more.
Average premium for full coverage: $1,192
Policy rates broken down by type of insurance:
These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different Taos trim levels.
Price Range Variability
For a driver in their 40's, Volkswagen Taos insurance rates go from as cheap as $394 for minimum levels of liability insurance to a much higher rate of $2,562 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can have significant affects on insurance rates. More rural locations are shown to have fewer accident claims than larger metro areas.
The price range example below illustrates how location helps determine insurance prices.
The examples above show why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of using 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 Details
The chart below shows estimated Volkswagen Taos insurance rates for other coverage scenarios.
- The lowest rate with discounts is $692
- Drivers who choose higher $1,000 deductibles will pay approximately $164 a year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,192
- Choosing more expensive low deductibles for comprehensive and collision insurance costs an additional $312 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,562 or more
- Policy cost with full coverage for a teen driver with full coverage can cost as much as $4,394 a year
Insurance rates for a Volkswagen Taos also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.
An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $4,300 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance can cost as much as 43% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $480 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 more per year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Volkswagen Taos insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or as much as $1,700 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,076 | -$116 | -9.7% |
| Alaska | $914 | -$278 | -23.3% |
| Arizona | $990 | -$202 | -16.9% |
| Arkansas | $1,192 | -$0 | 0.0% |
| California | $1,356 | $164 | 13.8% |
| Colorado | $1,136 | -$56 | -4.7% |
| Connecticut | $1,222 | $30 | 2.5% |
| Delaware | $1,346 | $154 | 12.9% |
| Florida | $1,488 | $296 | 24.8% |
| Georgia | $1,100 | -$92 | -7.7% |
| Hawaii | $858 | -$334 | -28.0% |
| Idaho | $808 | -$384 | -32.2% |
| Illinois | $886 | -$306 | -25.7% |
| Indiana | $898 | -$294 | -24.7% |
| Iowa | $802 | -$390 | -32.7% |
| Kansas | $1,130 | -$62 | -5.2% |
| Kentucky | $1,624 | $432 | 36.2% |
| Louisiana | $1,762 | $570 | 47.8% |
| Maine | $736 | -$456 | -38.3% |
| Maryland | $984 | -$208 | -17.4% |
| Massachusetts | $950 | -$242 | -20.3% |
| Michigan | $2,068 | $876 | 73.5% |
| Minnesota | $998 | -$194 | -16.3% |
| Mississippi | $1,426 | $234 | 19.6% |
| Missouri | $1,056 | -$136 | -11.4% |
| Montana | $1,278 | $86 | 7.2% |
| Nebraska | $936 | -$256 | -21.5% |
| Nevada | $1,426 | $234 | 19.6% |
| New Hampshire | $858 | -$334 | -28.0% |
| New Jersey | $1,330 | $138 | 11.6% |
| New Mexico | $1,052 | -$140 | -11.7% |
| New York | $1,254 | $62 | 5.2% |
| North Carolina | $686 | -$506 | -42.4% |
| North Dakota | $976 | -$216 | -18.1% |
| Ohio | $820 | -$372 | -31.2% |
| Oklahoma | $1,222 | $30 | 2.5% |
| Oregon | $1,090 | -$102 | -8.6% |
| Pennsylvania | $1,134 | -$58 | -4.9% |
| Rhode Island | $1,586 | $394 | 33.1% |
| South Carolina | $1,080 | -$112 | -9.4% |
| South Dakota | $1,006 | -$186 | -15.6% |
| Tennessee | $1,042 | -$150 | -12.6% |
| Texas | $1,436 | $244 | 20.5% |
| Utah | $882 | -$310 | -26.0% |
| Vermont | $814 | -$378 | -31.7% |
| Virginia | $714 | -$478 | -40.1% |
| Washington | $920 | -$272 | -22.8% |
| West Virginia | $1,090 | -$102 | -8.6% |
| Wisconsin | $822 | -$370 | -31.0% |
| Wyoming | $1,060 | -$132 | -11.1% |
Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates and see which company has the best rate. Every company uses a different rate calculation, so the rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Taos | $280 | $452 | $332 | $1,200 |
| 2023 Volkswagen Taos | $270 | $448 | $338 | $1,192 |
| 2022 Volkswagen Taos | $260 | $436 | $354 | $1,186 |
Rates are averaged for all Volkswagen Taos 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 Cheap Volkswagen Taos Insurance
Finding cheaper rates on car insurance not only requires having a decent driving record, but also having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a brief summary of the car insurance concepts covered in the charts and tables above.
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,370 more annually than a driver with a clean driving record
- Drivers can save approximately $140 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $475 each year
- Policyholders who want additional liability coverage will pay about $370 each year to go from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,394 |
| 20 | $2,726 |
| 30 | $1,242 |
| 40 | $1,192 |
| 50 | $1,088 |
| 60 | $1,068 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,504 |
| $250 | $1,360 |
| $500 | $1,192 |
| $1,000 | $1,028 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,192 |
| 50/100 | $1,260 |
| 100/300 | $1,344 |
| 250/500 | $1,564 |
| 100 CSL | $1,293 |
| 300 CSL | $1,479 |
| 500 CSL | $1,615 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,266 |
| 20 | $4,334 |
| 30 | $2,620 |
| 40 | $2,562 |
| 50 | $2,442 |
| 60 | $2,420 |
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 | $63 |
| Multi-vehicle | $61 |
| Homeowner | $17 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $54 |
| Advance Quote | $58 |
| Online Quote | $84 |
| Total Discounts | $500 |
Discounts are estimated and may not be available from every company or in every state.
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