Volkswagen Atlas Cross Sport Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Volkswagen Atlas Cross Sport are $1,860 annually for full coverage. Comprehensive costs an estimated $310, collision costs $668, and liability costs around $644. A policy with just liability insurance costs as low as $726 a year, with coverage for high-risk drivers costing around $4,064. Teen drivers pay the highest rates at $7,246 a year or more.
Average premium for full coverage: $1,860
Price estimates broken down by individual coverage:
Full coverage includes $500 deductible amounts, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for different Atlas Cross Sport trim levels.
Price Range from Low to High
For the average 40-year-old driver, Volkswagen Atlas Cross Sport insurance prices go from as cheap as $726 for your basic liability-only policy to a much higher rate of $4,064 for a high-risk insurance policy.
Geographic Price Range
Where you live can make a big difference on insurance rates. More rural locations have fewer accident claims than larger metro areas.
The price range example below illustrates the difference location can make on insurance prices.
The ranges above show why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of making a decision based 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.
More Rate Information
The chart below shows estimated Volkswagen Atlas Cross Sport insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,074
- Using higher $1,000 deductibles will save approximately $220 a year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,860
- Choosing more expensive low deductibles for physical damage coverage will cost $2,296
- High-risk insureds with multiple violations and an at-fault accident could pay up to $4,064 or more
- The price with full coverage for a 16-year-old driver with full coverage can cost as much as $7,246 or more
Insurance prices for a Volkswagen Atlas Cross Sport are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.
An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,700 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay at least $7,200 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying $2,200 to $3,100 extra each year, depending on your age. High-risk driver insurance can be from 43% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $660 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $579 more per year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Volkswagen Atlas Cross Sport insurance prices. A driver around age 40 might see prices as low as $1,230 a year in states like Iowa, Maine, and Idaho, or as much as $2,650 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,682 | -$178 | -9.6% |
| Alaska | $1,426 | -$434 | -23.3% |
| Arizona | $1,540 | -$320 | -17.2% |
| Arkansas | $1,860 | -$0 | 0.0% |
| California | $2,120 | $260 | 14.0% |
| Colorado | $1,776 | -$84 | -4.5% |
| Connecticut | $1,910 | $50 | 2.7% |
| Delaware | $2,104 | $244 | 13.1% |
| Florida | $2,324 | $464 | 24.9% |
| Georgia | $1,718 | -$142 | -7.6% |
| Hawaii | $1,334 | -$526 | -28.3% |
| Idaho | $1,260 | -$600 | -32.3% |
| Illinois | $1,386 | -$474 | -25.5% |
| Indiana | $1,404 | -$456 | -24.5% |
| Iowa | $1,256 | -$604 | -32.5% |
| Kansas | $1,766 | -$94 | -5.1% |
| Kentucky | $2,536 | $676 | 36.3% |
| Louisiana | $2,756 | $896 | 48.2% |
| Maine | $1,148 | -$712 | -38.3% |
| Maryland | $1,536 | -$324 | -17.4% |
| Massachusetts | $1,486 | -$374 | -20.1% |
| Michigan | $3,228 | $1,368 | 73.5% |
| Minnesota | $1,558 | -$302 | -16.2% |
| Mississippi | $2,226 | $366 | 19.7% |
| Missouri | $1,652 | -$208 | -11.2% |
| Montana | $1,998 | $138 | 7.4% |
| Nebraska | $1,466 | -$394 | -21.2% |
| Nevada | $2,228 | $368 | 19.8% |
| New Hampshire | $1,338 | -$522 | -28.1% |
| New Jersey | $2,078 | $218 | 11.7% |
| New Mexico | $1,648 | -$212 | -11.4% |
| New York | $1,960 | $100 | 5.4% |
| North Carolina | $1,070 | -$790 | -42.5% |
| North Dakota | $1,524 | -$336 | -18.1% |
| Ohio | $1,284 | -$576 | -31.0% |
| Oklahoma | $1,908 | $48 | 2.6% |
| Oregon | $1,704 | -$156 | -8.4% |
| Pennsylvania | $1,774 | -$86 | -4.6% |
| Rhode Island | $2,480 | $620 | 33.3% |
| South Carolina | $1,686 | -$174 | -9.4% |
| South Dakota | $1,570 | -$290 | -15.6% |
| Tennessee | $1,626 | -$234 | -12.6% |
| Texas | $2,240 | $380 | 20.4% |
| Utah | $1,374 | -$486 | -26.1% |
| Vermont | $1,272 | -$588 | -31.6% |
| Virginia | $1,114 | -$746 | -40.1% |
| Washington | $1,436 | -$424 | -22.8% |
| West Virginia | $1,704 | -$156 | -8.4% |
| Wisconsin | $1,288 | -$572 | -30.8% |
| Wyoming | $1,658 | -$202 | -10.9% |
Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices from multiple companies. Each insurance company uses a different rate calculation, so the prices may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Atlas Cross Sport | $346 | $720 | $584 | $1,888 |
| 2023 Volkswagen Atlas Cross Sport | $332 | $714 | $598 | $1,882 |
| 2022 Volkswagen Atlas Cross Sport | $320 | $698 | $624 | $1,880 |
| 2021 Volkswagen Atlas Cross Sport | $310 | $668 | $644 | $1,860 |
| 2020 Volkswagen Atlas Cross Sport | $292 | $646 | $664 | $1,840 |
Rates are averaged for all Volkswagen Atlas Cross Sport 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 Atlas Cross Sport Insurance
Getting lower rates on insurance for a Volkswagen Atlas Cross Sport requires having a good driving record, having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Make time to compare rates at least every other year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The next list is a summary of the car insurance concepts touched on in this article.
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $2,200 more annually to buy Volkswagen Atlas Cross Sport insurance
- Drivers can save approximately $220 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $650 each year
- Insureds who want increased levels of liability coverage will pay about $710 each year to increase from a low limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,246 |
| 20 | $4,358 |
| 30 | $1,924 |
| 40 | $1,860 |
| 50 | $1,706 |
| 60 | $1,676 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,296 |
| $250 | $2,090 |
| $500 | $1,860 |
| $1,000 | $1,640 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,860 |
| 50/100 | $1,989 |
| 100/300 | $2,150 |
| 250/500 | $2,568 |
| 100 CSL | $2,053 |
| 300 CSL | $2,407 |
| 500 CSL | $2,665 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,304 |
| 20 | $6,948 |
| 30 | $4,130 |
| 40 | $4,064 |
| 50 | $3,882 |
| 60 | $3,848 |
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 | $97 |
| Multi-vehicle | $101 |
| Homeowner | $29 |
| 5-yr Accident Free | $135 |
| 5-yr Claim Free | $120 |
| Paid in Full/EFT | $82 |
| Advance Quote | $92 |
| Online Quote | $130 |
| Total Discounts | $786 |
Discounts are estimated and may not be available from every company or in every state.
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