Volkswagen Atlas Car Insurance Cost 2025
The average cost of insuring a Volkswagen Atlas is $2,350 per year. However, the exact premium you will pay can depend on several factors such as your age, the specific model year, driving history, location, and the level of coverage you select. It’s important to get personalized quotes to understand the specific costs for your situation. You can use quote tools or compare providers to get an accurate estimate.
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The Volkswagen Atlas, a midsize SUV known for its spacious interior and family-friendly design, typically comes with moderate insurance costs.
On average, drivers can expect to pay around $2,350 per year for full coverage on a 2025 model, although rates may vary based on factors like location, driving history, and coverage level.
Compared to other SUVs in its class, the Atlas is slightly more affordable to insure thanks to its strong safety ratings and reasonable repair costs. Still, it’s important to compare quotes from multiple insurers to find the best rate tailored to your individual profile and needs.
How Much Does Volkswagen Atlas Car Insurance Cost?
Yes, typically, Volkswagen Atlas drivers can expect to pay an average of $2,350 per year for car insurance. However, the cost can vary depending on factors like your location, age, driving history, and coverage options. It’s always a good idea to shop around and compare quotes to find the best deal for your specific situation.
It’s important to understand that car insurance costs can vary widely depending on several key factors. These include your location, driving history, the model year of your vehicle, and the type of coverage you choose. Keeping a clean driving record can help you secure lower premiums, while a history of accidents or traffic violations may result in higher rates.
Living in a densely populated urban area with heavy traffic typically leads to higher premiums than in rural areas with less congestion. Your coverage choice also impacts your rate—full coverage, which includes both comprehensive and collision, usually costs more than basic liability coverage.
As shown in the table below, the cost to insure a Volkswagen Atlas is lower than the average for all Toyota models. In fact, it’s also more affordable than the overall average for all vehicles.
Fortunately, Insuranceopedia can help you compare quotes from multiple auto insurance companies, making it easier to find the best deal for your needs.
Average Insurance Cost Of Volkswagen Atlas By Model Year
| Model Year | Average Premium |
| 2025 Volkswagen Atlas | $2,361 |
| 2024 Volkswagen Atlas | $2,770 |
| 2023 Volkswagen Atlas | $1,675 |
| 2022 Volkswagen Atlas | $1,481 |
| 2021 Volkswagen Atlas | $1,066 |
| 2020 Volkswagen Atlas | $1,162 |
| 2019 Volkswagen Atlas | $1,040 |
| 2018 Volkswagen Atlas | $1,108 |
2025 Volkswagen Atlas Insurance Rates
The average annual insurance cost for a 2025 Volkswagen Atlas is $2,361. However, GEICO offers the cheapest rates, averaging $2,280 per year.
| Insurance Provider | Average Annual Cost |
| GEICO | $2,280 |
| State Farm | $2,350 |
| Progressive | $2,400 |
| Allstate | $2,420 |
| USAA | $2,300 |
| Nationwide | $2,360 |
| Farmers | $2,390 |
| Liberty Mutual | $2,410 |
| Travelers | $2,370 |
| American Family | $2,330 |
2024 Volkswagen Atlas Insurance Rates
The average annual insurance cost for a 2024 Volkswagen Atlas is $2,770. However, Auto-Owners Insurance Co offers the cheapest rates, averaging $1,323 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $1,463 |
| Nationwide | $1,834 |
| National General RAD | $1,706 |
| Unitrin | $1,515 |
| Auto-Owners Insurance Co | $1,323 |
| California Capital | $1,507 |
| 21st Century | $1,408 |
| Country | $1,772 |
| CSAA | $1,715 |
| Mercury | $1,547 |
2023 Volkswagen Atlas Insurance Rates
The average annual insurance cost for a 2023 Volkswagen Atlas is $1,675. However, Kemper Auto | Infinity offers the cheapest rates, averaging $458 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland | $881 |
| Nationwide | $1,404 |
| Clearcover | $1,319 |
| AssuranceAmerica Elite | $928 |
| Kemper Auto | Infinity | $458 |
| AssuranceAmerica Economy | $911 |
| Safeco | $494 |
| Texas Farm Bureau Group | $1,336 |
| 21st Century | $1,427 |
| Direct Auto | $1,011 |
2022 Volkswagen Atlas Insurance Rates
The average annual insurance cost for a 2022 Volkswagen Atlas is $1,481. However, Pekin Insurance offers the cheapest rates, averaging $524 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $826 |
| First Chicago Insurance | $1,201 |
| SECURA Insurance | $1,032 |
| Rockford Mutual Insurance | $962 |
| Pekin Insurance | $524 |
| Safety Group | $783 |
| Kemper Auto | Infinity | $725 |
| Hastings Mutual Insurance Co | $1,032 |
| New Jersey Manufacturers | $1,126 |
| Norfolk and Dedham Group | $985 |
2021 Volkswagen Atlas Insurance Rates
The average annual insurance cost for a 2021 Volkswagen Atlas is $1,066. However, Safeco offers the cheapest rates, averaging $272 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $680 |
| Rural Mutual Insurance | $1,072 |
| Western Reserve | $917 |
| Mercury Insurance | $705 |
| Safeco | $272 |
| Buckeye Insurance Group | $725 |
| American National P | $503 |
| AssuranceAmerica Economy | $979 |
| SECURA Insurance | $1,001 |
| Virginia Farm Bureau | $887 |
2020 Volkswagen Atlas Insurance Rates
The average annual insurance cost for a 2020 Volkswagen Atlas is $1,162. However, Dairyland offers the cheapest rates, averaging $666 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $790 |
| Texas Farm Bureau Group | $1,059 |
| Buckeye Insurance Group | $939 |
| Capital Insurance Group | $825 |
| Dairyland | $666 |
| Hastings Mutual Insurance Co | $758 |
| Pekin Insurance | $630 |
| PEMCO | $974 |
| Country | $998 |
| Plymouth Rock Assurance | $845 |
2019 Volkswagen Atlas Insurance Rates
The average annual insurance cost for a 2019 Volkswagen Atlas is $1,162. However, Safeco offers the cheapest rates, averaging $258 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $639 |
| Buckeye Insurance Group | $912 |
| North Carolina Farm Bureau | $827 |
| Rural Mutual Insurance | $778 |
| Safeco | $258 |
| Mercury Insurance | $735 |
| American National P | $399 |
| PEMCO | $885 |
| Western Reserve | $886 |
| Partners Mutual Insurance Co | $783 |
2018 Volkswagen Atlas Insurance Rates
The average annual insurance cost for a 2018 Volkswagen Atlas is $1,108. However, Safeco offers the cheapest rates, averaging $247 per year.
| Insurance Provider | Average Annual Cost |
| National General Value | $453 |
| North Carolina Farm Bureau | $833 |
| MMG Insurance Company | $814 |
| Concord Group | $580 |
| Safeco | $247 |
| Mercury Insurance | $563 |
| American National P | $452 |
| Patriot Group | $825 |
| Plymouth Rock Assurance | $858 |
| Countryway Insurance | $755 |
Find Affordable Volkswagen Atlas Insurance Rates
Are Volkswagen Atlas Expensive To Insure?
The 2025 Volkswagen Atlas is a midsize SUV known for its spacious interior and family-friendly features. When it comes to insurance, the Atlas is moderately priced compared to other vehicles in its class. On average, insuring a 2025 Volkswagen Atlas costs around $2,351 per year for full coverage, which is approximately $726 less than the national average for popular SUV models. However, individual premiums can vary based on factors such as the driver’s age, location, driving history, and the specific coverage options selected. It’s advisable to compare quotes from multiple insurance providers to find the best rate for your situation.
Cost of Volkswagen Atlas Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers usually face the highest premiums, as they are statistically more likely to be involved in accidents. As drivers get older and gain more experience on the road, insurance rates generally decrease, reflecting a lower risk to insurers
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,796 | $11,429 | $13,395 |
| 18 | $7,252 | $10,667 | $12,441 |
| 19 | $6,394 | $9,397 | $10,985 |
| 20 | $5,602 | $8,205 | $9,574 |
| 21 | $4,727 | $6,889 | $8,055 |
| 22 | $4,549 | $6,682 | $7,837 |
| 23 | $3,955 | $5,840 | $6,859 |
| 24 | $3,788 | $5,583 | $6,502 |
| 25 | $3,301 | $4,801 | $5,639 |
| 30 | $2,556 | $3,713 | $4,357 |
| 35 | $2,391 | $3,518 | $4,089 |
| 40 | $2,308 | $3,368 | $3,951 |
| 45 | $2,250 | $3,277 | $3,853 |
| 55 | $2,052 | $2,995 | $3,487 |
| 65 | $2,115 | $3,153 | $3,643 |
| 75 | $2,747 | $3,956 | $4,636 |
Volkswagen Atlas Car Insurance Rates By State
Your location plays a major role in determining car insurance rates. Since each state sets its own insurance regulations, costs can vary widely. For instance, Michigan drivers often pay more due to the state’s higher coverage requirements. Climate also matters—areas prone to hurricanes, flooding, or severe storms may see higher premiums. Additionally, local crime and accident statistics, such as thefts, crashes, and fatalities, are factored in by insurers when calculating your exact Volkswagen Atlas insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,420 | $3,532 | $4,487 |
| Alaska | $2,016 | $2,799 | $2,714 |
| Arizona | $2,285 | $3,328 | $4,805 |
| Arkansas | $2,499 | $3,891 | $4,337 |
| California | $2,802 | $4,891 | $2,746 |
| Colorado | $2,589 | $3,647 | $4,570 |
| Connecticut | $3,287 | $5,144 | $6,480 |
| Delaware | $2,792 | $3,657 | $4,709 |
| Florida | $3,256 | $4,532 | $5,860 |
| Georgia | $2,664 | $4,023 | $3,984 |
| Hawaii | $1,065 | $1,455 | $1,062 |
| Idaho | $1,830 | $2,452 | $2,992 |
| Illinois | $1,910 | $2,915 | $3,367 |
| Indiana | $1,963 | $3,023 | $3,433 |
| Iowa | $1,581 | $2,146 | $2,515 |
| Kansas | $2,091 | $3,026 | $3,542 |
| Kentucky | $3,021 | $4,443 | $5,260 |
| Louisiana | $3,904 | $5,884 | $6,348 |
| Maine | $1,485 | $2,010 | $3,012 |
| Maryland | $2,379 | $3,458 | $3,835 |
| Massachusetts | $1,932 | $3,288 | $1,925 |
| Michigan | $4,584 | $7,021 | $11,083 |
| Minnesota | $1,903 | $2,524 | $3,546 |
| Mississippi | $2,267 | $3,282 | $3,300 |
| Missouri | $2,151 | $3,068 | $4,064 |
| Montana | $2,161 | $3,025 | $3,572 |
| Nebraska | $1,858 | $2,728 | $3,000 |
| Nevada | $3,077 | $4,520 | $4,778 |
| New Hampshire | $2,108 | $3,350 | $4,254 |
| New Jersey | $2,353 | $3,648 | $4,792 |
| New Mexico | $2,392 | $3,560 | $3,689 |
| New York | $2,213 | $2,763 | $4,666 |
| North Carolina | $1,364 | $2,321 | $1,698 |
| North Dakota | $1,876 | $2,882 | $3,366 |
| Ohio | $1,671 | $2,583 | $2,668 |
| Oklahoma | $2,702 | $3,825 | $4,296 |
| Oregon | $2,440 | $3,295 | $3,896 |
| Pennsylvania | $2,041 | $3,041 | $3,499 |
| Rhode Island | $3,427 | $5,015 | $5,672 |
| South Carolina | $2,295 | $3,209 | $4,444 |
| South Dakota | $2,101 | $2,995 | $3,470 |
| Tennessee | $2,415 | $3,583 | $4,807 |
| Texas | $2,481 | $3,533 | $4,448 |
| Utah | $2,104 | $2,946 | $4,045 |
| Vermont | $1,640 | $2,490 | $2,634 |
| Virginia | $1,504 | $2,314 | $2,308 |
| Washington | $2,022 | $2,755 | $3,277 |
| West Virginia | $2,017 | $2,931 | $3,647 |
| Wisconsin | $2,024 | $3,126 | $3,605 |
| Wyoming | $1,894 | $2,673 | $2,813 |
Find Affordable Volkswagen Atlas Insurance Rates
Cheapest Car Insurance Companies For A Volkswagen Atlas
Lemonade offers the most affordable rate at approximately $1,850 annually, which breaks down to about $154 per month. GEICO provides competitive pricing with an estimated annual premium of $1,920, translating to roughly $160 monthly. State Farm’s estimated annual premium stands at $1,980, equating to approximately $165 per month. Progressive offers a balanced option with an estimated annual premium of $2,040, or about $170 monthly. Allstate provides comprehensive coverage options at an estimated annual premium of $2,100, which is around $175 per month.
| Insurance Company | Average Monthly |
| Lemonade | $154 |
| GEICO | $160 |
| State Farm | $165 |
| Progressive | $170 |
| Allstate | $175 |
Common Volkswagen Atlas Insurance Discounts
Discounts are a smart way to reduce your car insurance costs. While each auto insurance provider has its own offerings, here are some common discounts you may qualify for:
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Multi-policy discount – Bundling your home and auto insurance with the same provider often leads to a lower rate.
-
Pay-in-full discount – Paying your premium annually instead of monthly can earn you a discount.
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Defensive driving discount – Completing a certified defensive driving course can make you eligible for reduced rates.
Other discounts may also be available based on your circumstances. It’s best to speak with your insurance agent, who can help you identify which ones apply to you.
Ways To Save On Volkswagen Atlas Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your Volkswagen Atlas insurance costs down. For example, drivers with a ticket on their record can expect to pay around $46 per month, while those with multiple accidents may pay an average of $100 per month. Avoiding these incidents helps lower your insurance premiums over time. Additionally, the number of miles you drive each year also plays a role in your insurance rates. Volkswagen Atlas drivers who average between 7,501 and 10,000 miles annually typically pay about $78 per month. Interestingly, those who drive more than 10,000 miles per year may pay slightly less, averaging around $74 per month. This shows that insurance rates are influenced by a combination of factors, not just mileage alone.
Compare Volkswagen Atlas To Other Volkswagen Models
Looking for other Volkswagen model insurance costs?
- Volkswagen Arteon Car Insurance
- Volkswagen Golf Car Insurance
- Volkswagen Jetta Car Insurance
- Volkswagen Passat Car Insurance
- Volkswagen Tiguan Car Insurance
- Volkswagen E-Golf Car Insurance
- Volkswagen Golf R Car Insurance
- Volkswagen Golf Sportwagen Car Insurance
- Volkswagen GTI Car Insurance
- Volkswagen Atlas Cross Sport Car Insurance
Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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FAQs
Do You Need Insurance Before You Can Purchase A Volkswagen Atlas?
Yes, you’ll need to show proof of insurance before you can drive your Volkswagen Atlas off the dealership lot. The most effective approach is to purchase a policy in advance and notify your insurance company that you’re about to buy the vehicle. This way, you avoid potentially higher costs or limited options that might come with getting insurance directly through the dealership.
How Can You Get The Cheapest Insurance For Your Volkswagen Atlas?
The most effective way to find the lowest insurance rates for your Volkswagen Atlas is by shopping around and comparing quotes from various auto insurance providers. Luckily, Insuranceopedia makes this process easier by allowing you to compare rates from multiple companies directly on their website, helping you secure the best deal for your coverage needs.
