Volkswagen Atlas Insurance Rates
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UPDATED: Apr 16, 2024
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Average insurance prices for a Volkswagen Atlas are $1,522 every 12 months including full coverage. Comprehensive costs around $304, collision insurance costs $618, and liability insurance costs $442. A policy with just liability insurance costs as little as $496 a year, and coverage for high-risk drivers costs around $3,322. Teenage drivers receive the highest rates at up to $5,716 a year.
Average premium for full coverage: $1,522
Rate estimates for individual coverage type:
Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for all Atlas models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the cheapest price of $496 for the bare minimum liability coverage to the much higher price of $3,322 for a policy for a high-risk driver.
Price Range by Location
Your location has a significant impact on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates how location helps determine auto insurance rates.
These examples highlight why everyone should compare rates for a specific zip code and their own driving history, rather than relying on average rates.
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 Information
The chart below breaks down average Volkswagen Atlas insurance rates for additional coverage choices and driver risks.
- The best discount rate is $861
- Drivers who choose higher $1,000 deductibles will pay about $210 every year
- The average price for a 40-year-old driver using $500 deductibles is $1,522
- Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,932
- High risk drivers who are prone to accidents and violations could pay at least $3,322
- The cost to insure a teen driver for full coverage can be $5,716 a year
Insurance rates for a Volkswagen Atlas can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.
Using high physical damage deductibles could save up to $620 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $5,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,800 to $2,500 additional per year, depending on your age. Volkswagen Atlas insurance for high-risk drivers can cost anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates
Where you live makes a big difference in Volkswagen Atlas insurance rates. A 40-year-old driver could pay as low as $1,170 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,170 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,376 | -$146 | -9.6% |
| Alaska | $1,168 | -$354 | -23.3% |
| Arizona | $1,266 | -$256 | -16.8% |
| Arkansas | $1,522 | -$0 | 0.0% |
| California | $1,734 | $212 | 13.9% |
| Colorado | $1,454 | -$68 | -4.5% |
| Connecticut | $1,566 | $44 | 2.9% |
| Delaware | $1,724 | $202 | 13.3% |
| Florida | $1,904 | $382 | 25.1% |
| Georgia | $1,406 | -$116 | -7.6% |
| Hawaii | $1,094 | -$428 | -28.1% |
| Idaho | $1,030 | -$492 | -32.3% |
| Illinois | $1,134 | -$388 | -25.5% |
| Indiana | $1,146 | -$376 | -24.7% |
| Iowa | $1,026 | -$496 | -32.6% |
| Kansas | $1,448 | -$74 | -4.9% |
| Kentucky | $2,078 | $556 | 36.5% |
| Louisiana | $2,256 | $734 | 48.2% |
| Maine | $940 | -$582 | -38.2% |
| Maryland | $1,256 | -$266 | -17.5% |
| Massachusetts | $1,218 | -$304 | -20.0% |
| Michigan | $2,644 | $1,122 | 73.7% |
| Minnesota | $1,274 | -$248 | -16.3% |
| Mississippi | $1,824 | $302 | 19.8% |
| Missouri | $1,350 | -$172 | -11.3% |
| Montana | $1,636 | $114 | 7.5% |
| Nebraska | $1,202 | -$320 | -21.0% |
| Nevada | $1,826 | $304 | 20.0% |
| New Hampshire | $1,096 | -$426 | -28.0% |
| New Jersey | $1,702 | $180 | 11.8% |
| New Mexico | $1,348 | -$174 | -11.4% |
| New York | $1,604 | $82 | 5.4% |
| North Carolina | $876 | -$646 | -42.4% |
| North Dakota | $1,246 | -$276 | -18.1% |
| Ohio | $1,052 | -$470 | -30.9% |
| Oklahoma | $1,564 | $42 | 2.8% |
| Oregon | $1,394 | -$128 | -8.4% |
| Pennsylvania | $1,454 | -$68 | -4.5% |
| Rhode Island | $2,030 | $508 | 33.4% |
| South Carolina | $1,378 | -$144 | -9.5% |
| South Dakota | $1,286 | -$236 | -15.5% |
| Tennessee | $1,336 | -$186 | -12.2% |
| Texas | $1,834 | $312 | 20.5% |
| Utah | $1,128 | -$394 | -25.9% |
| Vermont | $1,042 | -$480 | -31.5% |
| Virginia | $912 | -$610 | -40.1% |
| Washington | $1,178 | -$344 | -22.6% |
| West Virginia | $1,396 | -$126 | -8.3% |
| Wisconsin | $1,054 | -$468 | -30.7% |
| Wyoming | $1,356 | -$166 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Atlas | $376 | $718 | $372 | $1,624 |
| 2023 Volkswagen Atlas | $358 | $690 | $390 | $1,596 |
| 2022 Volkswagen Atlas | $344 | $686 | $398 | $1,586 |
| 2021 Volkswagen Atlas | $332 | $668 | $416 | $1,574 |
| 2020 Volkswagen Atlas | $320 | $640 | $430 | $1,548 |
| 2019 Volkswagen Atlas | $304 | $618 | $442 | $1,522 |
| 2018 Volkswagen Atlas | $292 | $574 | $452 | $1,476 |
Rates are averaged for all Volkswagen Atlas models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Right Volkswagen Atlas Insurance
Saving money on Volkswagen Atlas insurance not only requires having a decent driving record, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates every year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following items are a quick rundown of the coverage data covered in the charts and tables above.
- You may be able to save up to $190 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $625 each year
- 16 to 18-year-old drivers are charged the highest rates, as much as $476 per month if full coverage is included
- High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,800 more every year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,716 |
| 20 | $3,548 |
| 30 | $1,590 |
| 40 | $1,522 |
| 50 | $1,392 |
| 60 | $1,366 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,932 |
| $250 | $1,740 |
| $500 | $1,522 |
| $1,000 | $1,312 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,522 |
| 50/100 | $1,610 |
| 100/300 | $1,721 |
| 250/500 | $2,008 |
| 100 CSL | $1,655 |
| 300 CSL | $1,898 |
| 500 CSL | $2,075 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,174 |
| 20 | $5,658 |
| 30 | $3,394 |
| 40 | $3,322 |
| 50 | $3,172 |
| 60 | $3,146 |
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 | $82 |
| Multi-vehicle | $82 |
| Homeowner | $22 |
| 5-yr Accident Free | $116 |
| 5-yr Claim Free | $100 |
| Paid in Full/EFT | $72 |
| Advance Quote | $78 |
| Online Quote | $109 |
| Total Discounts | $661 |
Discounts are estimated and may not be available from every company or in every state.
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