Volkswagen Atlas Insurance Rates
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UPDATED: Apr 16, 2024
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The average insurance prices for a Volkswagen Atlas are $1,476 every 12 months for full coverage. Comprehensive insurance costs on average $292, collision costs $574, and liability insurance costs $452. Buying just liability costs as little as $504 a year, with insurance for high-risk drivers costing $3,212 or more. Teens cost the most to insure at $5,564 a year or more.
Average premium for full coverage: $1,476
Policy rates by type of insurance:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all Atlas models.
Price Range Variability
For the average 40-year-old driver, Volkswagen Atlas insurance rates go from the cheapest price of $504 for a discount liability-only rate to the much higher price of $3,212 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Rural areas are shown to have more infrequent accident claims than cities with more traffic congestion.
The example below illustrates the difference location can make on car insurance rates.
The examples above show why everyone should compare rates based on a specific location and their own driving history, rather than relying on averaged prices.
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.
Rates by State, City, and Model
The chart below shows estimated Volkswagen Atlas insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $841
- Drivers who choose higher $1,000 deductibles will pay around $196 a year
- The average price for a good driver age 40 with $500 deductibles is $1,476
- Selecting pricier low deductibles for comprehensive and collision insurance costs an extra $384 a year
- High risk drivers with serious driving violations could pay upwards of $3,212 or more
- Policy cost to insure a teen driver for full coverage may cost $5,564 a year
Insurance rates for a Volkswagen Atlas also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Atlas.
Choosing higher comprehensive and collision insurance deductibles could save up to $580 each year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $5,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,800 to $2,400 extra every year, depending on your age. Volkswagen Atlas insurance for high-risk drivers can cost anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates
Your home state makes a big difference in Volkswagen Atlas insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,100 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,334 | -$142 | -9.6% |
| Alaska | $1,132 | -$344 | -23.3% |
| Arizona | $1,224 | -$252 | -17.1% |
| Arkansas | $1,476 | -$0 | 0.0% |
| California | $1,680 | $204 | 13.8% |
| Colorado | $1,408 | -$68 | -4.6% |
| Connecticut | $1,518 | $42 | 2.8% |
| Delaware | $1,670 | $194 | 13.1% |
| Florida | $1,846 | $370 | 25.1% |
| Georgia | $1,362 | -$114 | -7.7% |
| Hawaii | $1,060 | -$416 | -28.2% |
| Idaho | $998 | -$478 | -32.4% |
| Illinois | $1,100 | -$376 | -25.5% |
| Indiana | $1,110 | -$366 | -24.8% |
| Iowa | $996 | -$480 | -32.5% |
| Kansas | $1,402 | -$74 | -5.0% |
| Kentucky | $2,012 | $536 | 36.3% |
| Louisiana | $2,184 | $708 | 48.0% |
| Maine | $910 | -$566 | -38.3% |
| Maryland | $1,216 | -$260 | -17.6% |
| Massachusetts | $1,180 | -$296 | -20.1% |
| Michigan | $2,562 | $1,086 | 73.6% |
| Minnesota | $1,234 | -$242 | -16.4% |
| Mississippi | $1,768 | $292 | 19.8% |
| Missouri | $1,308 | -$168 | -11.4% |
| Montana | $1,584 | $108 | 7.3% |
| Nebraska | $1,164 | -$312 | -21.1% |
| Nevada | $1,770 | $294 | 19.9% |
| New Hampshire | $1,064 | -$412 | -27.9% |
| New Jersey | $1,650 | $174 | 11.8% |
| New Mexico | $1,306 | -$170 | -11.5% |
| New York | $1,554 | $78 | 5.3% |
| North Carolina | $850 | -$626 | -42.4% |
| North Dakota | $1,208 | -$268 | -18.2% |
| Ohio | $1,020 | -$456 | -30.9% |
| Oklahoma | $1,514 | $38 | 2.6% |
| Oregon | $1,352 | -$124 | -8.4% |
| Pennsylvania | $1,408 | -$68 | -4.6% |
| Rhode Island | $1,970 | $494 | 33.5% |
| South Carolina | $1,336 | -$140 | -9.5% |
| South Dakota | $1,244 | -$232 | -15.7% |
| Tennessee | $1,292 | -$184 | -12.5% |
| Texas | $1,780 | $304 | 20.6% |
| Utah | $1,092 | -$384 | -26.0% |
| Vermont | $1,010 | -$466 | -31.6% |
| Virginia | $882 | -$594 | -40.2% |
| Washington | $1,140 | -$336 | -22.8% |
| West Virginia | $1,352 | -$124 | -8.4% |
| Wisconsin | $1,022 | -$454 | -30.8% |
| Wyoming | $1,314 | -$162 | -11.0% |
Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates from as many companies as possible. Every company calculates rates differently, so the rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Atlas | $358 | $690 | $390 | $1,596 |
| 2023 Volkswagen Atlas | $344 | $686 | $398 | $1,586 |
| 2022 Volkswagen Atlas | $332 | $668 | $416 | $1,574 |
| 2021 Volkswagen Atlas | $320 | $640 | $430 | $1,548 |
| 2020 Volkswagen Atlas | $304 | $618 | $442 | $1,522 |
| 2019 Volkswagen Atlas | $292 | $574 | $452 | $1,476 |
| 2018 Volkswagen Atlas | $280 | $540 | $456 | $1,434 |
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 Affordable Volkswagen Atlas Insurance
Finding cheaper rates on Volkswagen Atlas insurance not only requires being a good driver, but also having good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Make time to compare rates every time your policy renews by requesting rates from direct carriers, and also from local independent and exclusive agents.
The following list is a brief review of the information touched on in this article.
- Drivers can save as much as $180 per year simply by quoting online well ahead of the renewal date
- Drivers age 16 to 20 pay the highest rates, costing up to $464 each month if they have full coverage
- Increasing comprehensive and collision deductibles could save as much as $575 each year
- High-risk drivers with DUI or reckless driving convictions pay an average of $1,740 more each year than a safer driver
- Drivers who require an increased level of liability coverage will pay approximately $500 each year to go from a 30/60 limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,564 |
| 20 | $3,430 |
| 30 | $1,536 |
| 40 | $1,476 |
| 50 | $1,348 |
| 60 | $1,324 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,860 |
| $250 | $1,680 |
| $500 | $1,476 |
| $1,000 | $1,280 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,476 |
| 50/100 | $1,566 |
| 100/300 | $1,679 |
| 250/500 | $1,973 |
| 100 CSL | $1,612 |
| 300 CSL | $1,860 |
| 500 CSL | $2,041 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,950 |
| 20 | $5,468 |
| 30 | $3,280 |
| 40 | $3,212 |
| 50 | $3,070 |
| 60 | $3,042 |
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 | $79 |
| Multi-vehicle | $79 |
| Homeowner | $22 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $68 |
| Advance Quote | $74 |
| Online Quote | $105 |
| Total Discounts | $635 |
Discounts are estimated and may not be available from every company or in every state.
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