Volkswagen Taos Insurance Rates
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Volkswagen Taos are $1,186 annually including full coverage. Comprehensive costs around $260 a year, collision costs $436, and liability costs $354. Buying just liability costs as little as $406 a year, with insurance for high-risk drivers costing around $2,556. Teens receive the highest rates at $4,408 a year or more.
Average premium for full coverage: $1,186
Rate estimates for individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and Taos trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as cheap as $406 for minimum levels of liability insurance to a high of $2,556 for high-risk insurance.
Price Range by Location
Your location can make a big difference on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates how location helps determine auto insurance rates.
These examples highlight why it is important to compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on 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.
Additional Rate Details
The chart below breaks down estimated Volkswagen Taos insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $687
- Drivers who choose higher $1,000 deductibles will pay about $1,028 every year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,186
- Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,492
- Drivers with serious driving violations could pay at least $2,556 or more
- The cost with full coverage for a 16-year-old driver can be $4,408 a year
Auto insurance rates for a Volkswagen Taos can also vary considerably based on the trim level of your Taos, your driving characteristics, and deductibles and policy limits.
Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $4,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at least $1,400 to $1,900 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost from 43% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $470 annually, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $318 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Volkswagen Taos insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,690 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,070 | -$116 | -9.8% |
| Alaska | $910 | -$276 | -23.3% |
| Arizona | $984 | -$202 | -17.0% |
| Arkansas | $1,186 | -$0 | 0.0% |
| California | $1,352 | $166 | 14.0% |
| Colorado | $1,130 | -$56 | -4.7% |
| Connecticut | $1,218 | $32 | 2.7% |
| Delaware | $1,340 | $154 | 13.0% |
| Florida | $1,480 | $294 | 24.8% |
| Georgia | $1,096 | -$90 | -7.6% |
| Hawaii | $852 | -$334 | -28.2% |
| Idaho | $804 | -$382 | -32.2% |
| Illinois | $884 | -$302 | -25.5% |
| Indiana | $894 | -$292 | -24.6% |
| Iowa | $798 | -$388 | -32.7% |
| Kansas | $1,124 | -$62 | -5.2% |
| Kentucky | $1,616 | $430 | 36.3% |
| Louisiana | $1,754 | $568 | 47.9% |
| Maine | $732 | -$454 | -38.3% |
| Maryland | $978 | -$208 | -17.5% |
| Massachusetts | $944 | -$242 | -20.4% |
| Michigan | $2,058 | $872 | 73.5% |
| Minnesota | $994 | -$192 | -16.2% |
| Mississippi | $1,420 | $234 | 19.7% |
| Missouri | $1,052 | -$134 | -11.3% |
| Montana | $1,274 | $88 | 7.4% |
| Nebraska | $932 | -$254 | -21.4% |
| Nevada | $1,422 | $236 | 19.9% |
| New Hampshire | $854 | -$332 | -28.0% |
| New Jersey | $1,326 | $140 | 11.8% |
| New Mexico | $1,048 | -$138 | -11.6% |
| New York | $1,248 | $62 | 5.2% |
| North Carolina | $684 | -$502 | -42.3% |
| North Dakota | $972 | -$214 | -18.0% |
| Ohio | $818 | -$368 | -31.0% |
| Oklahoma | $1,214 | $28 | 2.4% |
| Oregon | $1,086 | -$100 | -8.4% |
| Pennsylvania | $1,130 | -$56 | -4.7% |
| Rhode Island | $1,580 | $394 | 33.2% |
| South Carolina | $1,076 | -$110 | -9.3% |
| South Dakota | $1,000 | -$186 | -15.7% |
| Tennessee | $1,038 | -$148 | -12.5% |
| Texas | $1,430 | $244 | 20.6% |
| Utah | $878 | -$308 | -26.0% |
| Vermont | $810 | -$376 | -31.7% |
| Virginia | $710 | -$476 | -40.1% |
| Washington | $916 | -$270 | -22.8% |
| West Virginia | $1,086 | -$100 | -8.4% |
| Wisconsin | $818 | -$368 | -31.0% |
| Wyoming | $1,054 | -$132 | -11.1% |
With so much variability in rates, the best way to figure out your exact price is to get quotes from multiple companies. Every company calculates rates differently, and quoted rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Taos | $270 | $448 | $338 | $1,192 |
| 2023 Volkswagen Taos | $260 | $436 | $354 | $1,186 |
| 2022 Volkswagen Taos | $250 | $418 | $364 | $1,168 |
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 More Affordable Volkswagen Taos Insurance
Saving money on insurance for a Volkswagen Taos not only requires having a decent driving record, but also having above-average credit, not filing small claims, and maximizing policy discounts. Invest time comparing rates every couple of years by requesting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following items are a summary of the material that was covered in the charts and tables above.
- Insureds who may need additional liability coverage will pay approximately $390 per year to go from a minimum limit to higher 250/500 limits
- 16 to 18-year-old drivers are expensive to insure, as much as $367 per month if full coverage is included
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,370 more every year than a driver with a clean driving record
- Increasing deductibles could save up to $475 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,408 |
| 20 | $2,720 |
| 30 | $1,236 |
| 40 | $1,186 |
| 50 | $1,084 |
| 60 | $1,064 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,492 |
| $250 | $1,352 |
| $500 | $1,186 |
| $1,000 | $1,028 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,186 |
| 50/100 | $1,257 |
| 100/300 | $1,345 |
| 250/500 | $1,575 |
| 100 CSL | $1,292 |
| 300 CSL | $1,487 |
| 500 CSL | $1,629 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,286 |
| 20 | $4,324 |
| 30 | $2,614 |
| 40 | $2,556 |
| 50 | $2,436 |
| 60 | $2,414 |
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 | $18 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $53 |
| Advance Quote | $58 |
| Online Quote | $84 |
| Total Discounts | $499 |
Discounts are estimated and may not be available from every company or in every state.
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