Volkswagen Taos Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Volkswagen Taos are $1,192 annually including full coverage. Comprehensive insurance costs on average $270, collision costs $448, and liability insurance costs $338. A liability-only policy costs as little as $394 a year, with high-risk insurance costing $2,562 or more. Teenage drivers cost the most to insure at $4,394 a year or more.
Average premium for full coverage: $1,192
Policy rates by type of insurance:
Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Taos trim levels.
Price Range Variability
For the average 40-year-old driver, Volkswagen Taos insurance rates go from as cheap as $394 for your basic liability-only policy to a much higher rate of $2,562 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than densely populated cities.
The price range example below illustrates the difference location can make on car insurance rates.
The examples above highlight why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, 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.
More Rate Information
The chart below breaks down estimated Volkswagen Taos insurance rates for different risk profiles and scenarios.
- The best discount rate is $692
- Drivers who choose higher $1,000 deductibles will pay around $164 every year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,192
- Using more expensive low deductibles for comprehensive and collision insurance costs an additional $312 a year
- High risk drivers who are prone to accidents and violations could pay upwards of $2,562 or more
- Policy cost with full coverage for a teen driver with full coverage may cost $4,394 a year
Car insurance rates for a Volkswagen Taos also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.
An older driver with no driving violations and high physical damage deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $4,300 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $480 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Volkswagen Taos insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,700 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,076 | -$116 | -9.7% |
| Alaska | $914 | -$278 | -23.3% |
| Arizona | $990 | -$202 | -16.9% |
| Arkansas | $1,192 | -$0 | 0.0% |
| California | $1,356 | $164 | 13.8% |
| Colorado | $1,136 | -$56 | -4.7% |
| Connecticut | $1,222 | $30 | 2.5% |
| Delaware | $1,346 | $154 | 12.9% |
| Florida | $1,488 | $296 | 24.8% |
| Georgia | $1,100 | -$92 | -7.7% |
| Hawaii | $858 | -$334 | -28.0% |
| Idaho | $808 | -$384 | -32.2% |
| Illinois | $886 | -$306 | -25.7% |
| Indiana | $898 | -$294 | -24.7% |
| Iowa | $802 | -$390 | -32.7% |
| Kansas | $1,130 | -$62 | -5.2% |
| Kentucky | $1,624 | $432 | 36.2% |
| Louisiana | $1,762 | $570 | 47.8% |
| Maine | $736 | -$456 | -38.3% |
| Maryland | $984 | -$208 | -17.4% |
| Massachusetts | $950 | -$242 | -20.3% |
| Michigan | $2,068 | $876 | 73.5% |
| Minnesota | $998 | -$194 | -16.3% |
| Mississippi | $1,426 | $234 | 19.6% |
| Missouri | $1,056 | -$136 | -11.4% |
| Montana | $1,278 | $86 | 7.2% |
| Nebraska | $936 | -$256 | -21.5% |
| Nevada | $1,426 | $234 | 19.6% |
| New Hampshire | $858 | -$334 | -28.0% |
| New Jersey | $1,330 | $138 | 11.6% |
| New Mexico | $1,052 | -$140 | -11.7% |
| New York | $1,254 | $62 | 5.2% |
| North Carolina | $686 | -$506 | -42.4% |
| North Dakota | $976 | -$216 | -18.1% |
| Ohio | $820 | -$372 | -31.2% |
| Oklahoma | $1,222 | $30 | 2.5% |
| Oregon | $1,090 | -$102 | -8.6% |
| Pennsylvania | $1,134 | -$58 | -4.9% |
| Rhode Island | $1,586 | $394 | 33.1% |
| South Carolina | $1,080 | -$112 | -9.4% |
| South Dakota | $1,006 | -$186 | -15.6% |
| Tennessee | $1,042 | -$150 | -12.6% |
| Texas | $1,436 | $244 | 20.5% |
| Utah | $882 | -$310 | -26.0% |
| Vermont | $814 | -$378 | -31.7% |
| Virginia | $714 | -$478 | -40.1% |
| Washington | $920 | -$272 | -22.8% |
| West Virginia | $1,090 | -$102 | -8.6% |
| Wisconsin | $822 | -$370 | -31.0% |
| Wyoming | $1,060 | -$132 | -11.1% |
Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Taos | $280 | $452 | $332 | $1,200 |
| 2023 Volkswagen Taos | $270 | $448 | $338 | $1,192 |
| 2022 Volkswagen Taos | $260 | $436 | $354 | $1,186 |
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 the Cheapest Volkswagen Taos Insurance
Finding cheaper rates on Volkswagen Taos insurance not only requires avoiding accidents and violations, but also having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates every year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a recap of the coverage data touched on in this article.
- You may be able to save as much as $140 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $475 each year
- Teenagers are expensive to insure, with premiums being up to $366 each month if comprehensive and collision insurance is included
- High-risk drivers that have major violations or accidents pay on average $1,370 more each year for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,394 |
| 20 | $2,726 |
| 30 | $1,242 |
| 40 | $1,192 |
| 50 | $1,088 |
| 60 | $1,068 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,504 |
| $250 | $1,360 |
| $500 | $1,192 |
| $1,000 | $1,028 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,192 |
| 50/100 | $1,260 |
| 100/300 | $1,344 |
| 250/500 | $1,564 |
| 100 CSL | $1,293 |
| 300 CSL | $1,479 |
| 500 CSL | $1,615 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,266 |
| 20 | $4,334 |
| 30 | $2,620 |
| 40 | $2,562 |
| 50 | $2,442 |
| 60 | $2,420 |
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 | $17 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $54 |
| Advance Quote | $58 |
| Online Quote | $84 |
| Total Discounts | $500 |
Discounts are estimated and may not be available from every company or in every state.
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