Volkswagen Atlas Cross Sport Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Volkswagen Atlas Cross Sport are $1,880 a year including full coverage. Comprehensive costs on average $320, collision insurance costs $698, and liability insurance is $624. Buying just liability costs around $710 a year, and insurance for high-risk drivers costs around $4,106. Teen drivers cost the most to insure at up to $7,282 a year.
Average premium for full coverage: $1,880
Policy rates by type of insurance:
Prices are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Atlas Cross Sport trim levels.
Price Range Variability
Using a middle-aged driver as an example, Volkswagen Atlas Cross Sport insurance rates range from the low end price of $710 for your basic liability-only policy to a much higher rate of $4,106 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The price range example below illustrates how where you live affects car insurance rates.
The examples above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location, rather than relying 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 breaks down average Volkswagen Atlas Cross Sport insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,082
- Raising to $1,000 deductibles will save around $230 every year
- The estimated price for a good driver age 40 with $500 deductibles is $1,880
- Choosing more expensive low deductibles bumps up the cost to $2,334
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $4,106
- Policy cost that insures a teen driver with full coverage may cost $7,282
Insurance rates for a Volkswagen Atlas Cross Sport also range considerably based on the model year and trim level, your driving record and age, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $2,200 to $3,100 extra every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 130% more than average. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $7,200 a year. View Rates by Age
Your home state also has a big influence on Volkswagen Atlas Cross Sport insurance rates. A middle-age driver might find rates as low as $1,440 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,680 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,700 | -$180 | -9.6% |
| Alaska | $1,440 | -$440 | -23.4% |
| Arizona | $1,558 | -$322 | -17.1% |
| Arkansas | $1,880 | -$0 | 0.0% |
| California | $2,146 | $266 | 14.1% |
| Colorado | $1,796 | -$84 | -4.5% |
| Connecticut | $1,932 | $52 | 2.8% |
| Delaware | $2,128 | $248 | 13.2% |
| Florida | $2,350 | $470 | 25.0% |
| Georgia | $1,736 | -$144 | -7.7% |
| Hawaii | $1,348 | -$532 | -28.3% |
| Idaho | $1,274 | -$606 | -32.2% |
| Illinois | $1,402 | -$478 | -25.4% |
| Indiana | $1,418 | -$462 | -24.6% |
| Iowa | $1,272 | -$608 | -32.3% |
| Kansas | $1,784 | -$96 | -5.1% |
| Kentucky | $2,566 | $686 | 36.5% |
| Louisiana | $2,784 | $904 | 48.1% |
| Maine | $1,162 | -$718 | -38.2% |
| Maryland | $1,552 | -$328 | -17.4% |
| Massachusetts | $1,502 | -$378 | -20.1% |
| Michigan | $3,264 | $1,384 | 73.6% |
| Minnesota | $1,574 | -$306 | -16.3% |
| Mississippi | $2,252 | $372 | 19.8% |
| Missouri | $1,670 | -$210 | -11.2% |
| Montana | $2,020 | $140 | 7.4% |
| Nebraska | $1,482 | -$398 | -21.2% |
| Nevada | $2,252 | $372 | 19.8% |
| New Hampshire | $1,352 | -$528 | -28.1% |
| New Jersey | $2,102 | $222 | 11.8% |
| New Mexico | $1,666 | -$214 | -11.4% |
| New York | $1,982 | $102 | 5.4% |
| North Carolina | $1,084 | -$796 | -42.3% |
| North Dakota | $1,536 | -$344 | -18.3% |
| Ohio | $1,298 | -$582 | -31.0% |
| Oklahoma | $1,928 | $48 | 2.6% |
| Oregon | $1,724 | -$156 | -8.3% |
| Pennsylvania | $1,796 | -$84 | -4.5% |
| Rhode Island | $2,508 | $628 | 33.4% |
| South Carolina | $1,704 | -$176 | -9.4% |
| South Dakota | $1,586 | -$294 | -15.6% |
| Tennessee | $1,644 | -$236 | -12.6% |
| Texas | $2,264 | $384 | 20.4% |
| Utah | $1,392 | -$488 | -26.0% |
| Vermont | $1,286 | -$594 | -31.6% |
| Virginia | $1,126 | -$754 | -40.1% |
| Washington | $1,452 | -$428 | -22.8% |
| West Virginia | $1,724 | -$156 | -8.3% |
| Wisconsin | $1,302 | -$578 | -30.7% |
| Wyoming | $1,676 | -$204 | -10.9% |
Choosing high deductibles can reduce rates by up to $690 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $561 more per year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Atlas Cross Sport | $362 | $750 | $558 | $1,908 |
| 2023 Volkswagen Atlas Cross Sport | $346 | $720 | $584 | $1,888 |
| 2022 Volkswagen Atlas Cross Sport | $332 | $714 | $598 | $1,882 |
| 2021 Volkswagen Atlas Cross Sport | $320 | $698 | $624 | $1,880 |
| 2020 Volkswagen Atlas Cross Sport | $310 | $668 | $644 | $1,860 |
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 Find Affordable Volkswagen Atlas Cross Sport Insurance
Finding cheaper rates on Volkswagen Atlas Cross Sport insurance consists of having a good driving record, having above-average credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Shop around every other policy renewal by quoting rates from direct car insurance companies, and also from insurance agencies where you live.
The next list is a brief review of the ideas that were touched on in the above illustrations.
- Drivers age 20 and younger pay the highest rates, with premiums being up to $607 each month if full coverage is included
- High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $2,230 more each year to buy Volkswagen Atlas Cross Sport insurance
- Increasing comprehensive and collision deductibles can save approximately $675 each year
- You may be able to save as much as $220 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,282 |
| 20 | $4,406 |
| 30 | $1,948 |
| 40 | $1,880 |
| 50 | $1,722 |
| 60 | $1,692 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,334 |
| $250 | $2,120 |
| $500 | $1,880 |
| $1,000 | $1,650 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,880 |
| 50/100 | $2,005 |
| 100/300 | $2,161 |
| 250/500 | $2,566 |
| 100 CSL | $2,067 |
| 300 CSL | $2,410 |
| 500 CSL | $2,660 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,366 |
| 20 | $7,022 |
| 30 | $4,178 |
| 40 | $4,106 |
| 50 | $3,924 |
| 60 | $3,890 |
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 | $99 |
| Multi-vehicle | $102 |
| Homeowner | $29 |
| 5-yr Accident Free | $138 |
| 5-yr Claim Free | $122 |
| Paid in Full/EFT | $84 |
| Advance Quote | $93 |
| Online Quote | $131 |
| Total Discounts | $798 |
Discounts are estimated and may not be available from every company or in every state.
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