Volkswagen Taos Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Volkswagen Taos are $1,200 a year for full coverage insurance. Comprehensive insurance costs around $280, collision costs $452, and liability is $332. Buying just liability costs around $388 a year, with insurance for high-risk drivers costing $2,572 or more. 16-year-old drivers pay the highest rates at $4,388 a year or more.
Average premium for full coverage: $1,200
Price estimates for individual coverage:
Rate estimates include $500 deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all Taos models.
Price Range from Low to High
Using a 40-year-old driver as an example, Volkswagen Taos insurance prices go from the low end price of $388 for just the minimum liability insurance to the much higher price of $2,572 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than congested cities.
The example below illustrates how rural and urban location affects auto insurance rates.
The ranges above illustrate why everyone should compare rates quotes for a specific zip code, instead of making a decision based on rate 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 Analysis
The chart below illustrates estimated Volkswagen Taos insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $696
- Raising to $1,000 deductibles will save about $166 each year
- The estimated price for the average middle-age driver using $500 deductibles is $1,200
- Buying pricier low deductibles will cost an additional $320 annually
- Drivers with multiple tickets or accidents could pay at least $2,572 or more
- The price that insures a 16-year-old driver for full coverage can be $4,388
Insurance prices for a Volkswagen Taos are also quite variable based on the model of your Taos, your age and driving record, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are probably paying at least $1,400 to $1,900 additional each year, depending on your age. Volkswagen Taos insurance for high-risk drivers is expensive and can cost from 43% to 131% more than the average rate. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $4,300 a year. View Rates by Age
The state you live in also has a big influence on Volkswagen Taos insurance prices. A middle-age driver might find prices as low as $780 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,620 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,084 | -$116 | -9.7% |
| Alaska | $920 | -$280 | -23.3% |
| Arizona | $992 | -$208 | -17.3% |
| Arkansas | $1,200 | -$0 | 0.0% |
| California | $1,366 | $166 | 13.8% |
| Colorado | $1,142 | -$58 | -4.8% |
| Connecticut | $1,230 | $30 | 2.5% |
| Delaware | $1,354 | $154 | 12.8% |
| Florida | $1,496 | $296 | 24.7% |
| Georgia | $1,108 | -$92 | -7.7% |
| Hawaii | $862 | -$338 | -28.2% |
| Idaho | $812 | -$388 | -32.3% |
| Illinois | $892 | -$308 | -25.7% |
| Indiana | $904 | -$296 | -24.7% |
| Iowa | $808 | -$392 | -32.7% |
| Kansas | $1,136 | -$64 | -5.3% |
| Kentucky | $1,634 | $434 | 36.2% |
| Louisiana | $1,774 | $574 | 47.8% |
| Maine | $740 | -$460 | -38.3% |
| Maryland | $990 | -$210 | -17.5% |
| Massachusetts | $954 | -$246 | -20.5% |
| Michigan | $2,082 | $882 | 73.5% |
| Minnesota | $1,004 | -$196 | -16.3% |
| Mississippi | $1,434 | $234 | 19.5% |
| Missouri | $1,064 | -$136 | -11.3% |
| Montana | $1,286 | $86 | 7.2% |
| Nebraska | $946 | -$254 | -21.2% |
| Nevada | $1,438 | $238 | 19.8% |
| New Hampshire | $864 | -$336 | -28.0% |
| New Jersey | $1,340 | $140 | 11.7% |
| New Mexico | $1,060 | -$140 | -11.7% |
| New York | $1,260 | $60 | 5.0% |
| North Carolina | $690 | -$510 | -42.5% |
| North Dakota | $984 | -$216 | -18.0% |
| Ohio | $826 | -$374 | -31.2% |
| Oklahoma | $1,228 | $28 | 2.3% |
| Oregon | $1,100 | -$100 | -8.3% |
| Pennsylvania | $1,142 | -$58 | -4.8% |
| Rhode Island | $1,598 | $398 | 33.2% |
| South Carolina | $1,086 | -$114 | -9.5% |
| South Dakota | $1,010 | -$190 | -15.8% |
| Tennessee | $1,048 | -$152 | -12.7% |
| Texas | $1,446 | $246 | 20.5% |
| Utah | $888 | -$312 | -26.0% |
| Vermont | $818 | -$382 | -31.8% |
| Virginia | $716 | -$484 | -40.3% |
| Washington | $924 | -$276 | -23.0% |
| West Virginia | $1,100 | -$100 | -8.3% |
| Wisconsin | $828 | -$372 | -31.0% |
| Wyoming | $1,068 | -$132 | -11.0% |
Opting for high physical damage deductibles can reduce prices by up to $490 annually, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $299 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out your exact price is to regularly compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, and prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Taos | $294 | $470 | $316 | $1,216 |
| 2023 Volkswagen Taos | $280 | $452 | $332 | $1,200 |
| 2022 Volkswagen Taos | $270 | $448 | $338 | $1,192 |
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 Find the Best Volkswagen Taos Insurance
Getting lower rates on insurance for a Volkswagen Taos consists of not taking risks behind the wheel, having a good credit score, not filing small claims, and taking advantage of discounts. Comparison shop every time your policy renews by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
The following is a brief recap of the information raised in the charts and tables above.
- It is possible to save up to $140 per year simply by quoting online well ahead of the renewal date
- Teens are charged the highest prices, as much as $366 a month if comprehensive and collision insurance is included
- Increasing physical damage deductibles can save approximately $475 each year
- Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,370 more every year for Taos insurance
- Insureds who may need higher liability limits will pay around $370 annually to raise from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,388 |
| 20 | $2,734 |
| 30 | $1,252 |
| 40 | $1,200 |
| 50 | $1,092 |
| 60 | $1,072 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,520 |
| $250 | $1,374 |
| $500 | $1,200 |
| $1,000 | $1,034 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,200 |
| 50/100 | $1,266 |
| 100/300 | $1,349 |
| 250/500 | $1,565 |
| 100 CSL | $1,300 |
| 300 CSL | $1,482 |
| 500 CSL | $1,615 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,262 |
| 20 | $4,342 |
| 30 | $2,632 |
| 40 | $2,572 |
| 50 | $2,450 |
| 60 | $2,426 |
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 | $64 |
| Multi-vehicle | $61 |
| Homeowner | $17 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $55 |
| Advance Quote | $58 |
| Online Quote | $85 |
| Total Discounts | $504 |
Discounts are estimated and may not be available from every company or in every state.
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