Volkswagen Atlas Cross Sport Car Insurance Cost
Insuring a Volkswagen Atlas Cross Sport with Farmers typically costs around $2,400 per year. However, the actual price can vary based on factors like your age, the car’s model year, and other details. You can use the quote tables below to get a personalized estimate.
We’ve saved shoppers an average of $600 per year on their car insurance.
The Volkswagen Atlas Cross Sport is a stylish, family-friendly SUV that offers both performance and practicality—and its insurance costs reflect that balance. On average, drivers can expect to pay around $2,400 per year for full coverage on a 2025 model.
This rate is slightly below the national average for midsize SUVs, thanks to the Atlas Cross Sport’s solid safety ratings and reasonable repair costs.
However, premiums can vary depending on factors like your age, driving history, location, and the level of coverage you choose. Comparing quotes from multiple insurers is the best way to find a policy that fits your budget.
How Much Does Volkswagen Atlas Cross Sport Car Insurance Cost?
Farmers usually offers the best deal, charging about $2,400 per year for full coverage insurance on a 2024 Volkswagen Atlas Cross Sport.
While Farmers’s rate is a good benchmark, car insurance costs can vary widely due to several factors. These factors include your location, driving history, the car’s age, and the coverage options you choose. A clean driving record usually means lower premiums, while a history of accidents or traffic violations can increase your rates.
Living in a busy urban area often leads to higher insurance costs compared to quieter rural areas. Additionally, the type of coverage you select affects your premium. Comprehensive coverage, which includes both comprehensive and collision insurance, is more expensive than basic liability coverage.
At Insuranceopedia, we can help you shop around and compare quotes from different insurance providers to ensure you get the best deal.
Average Insurance Cost Of Volkswagen Atlas Cross Sport Model Year
| Model Year | Average Premium |
| 2025 Volkswagen Atlas Cross Sport | $2,511 |
| 2024 Volkswagen Atlas Cross Sport | $2,039 |
| 2023 Volkswagen Atlas Cross Sport | $1,353 |
| 2022 Volkswagen Atlas Cross Sport | $721 |
| 2021 Volkswagen Atlas Cross Sport | $716 |
| 2020 Volkswagen Atlas Cross Sport | $1,027 |
2025 Volkswagen Atlas Cross Sport Insurance Rates
The average annual insurance cost for a 2025 Volkswagen Atlas Cross Sport is $2,511. However, USAA offers the cheapest rates, averaging $2,390 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $2,390 |
| Allstate | $2,420 |
| Progressive | $2,450 |
| State Farm | $2,470 |
| GEICO | $2,500 |
| Nationwide | $2,530 |
| Farmers | $2,550 |
| Liberty Mutual | $2,580 |
| Travelers | $2,600 |
| American Family | $2,620 |
2024 Volkswagen Atlas Cross Sport Insurance Rates
The average annual insurance cost for a 2024 Volkswagen Atlas Cross Sport is $2,039. However, California Capital offers the cheapest rates, averaging $1,887 per year.
| Insurance Provider | Average Annual Cost |
| California Capital | $1,887 |
| Metropolitan | $2,342 |
| Allstate | $2,171 |
| 21st Century | $2,022 |
| USAA | $1,703 |
| Farmers | $1,915 |
| Mercury | $1,747 |
| Auto Club | $2,227 |
| Grange | $2,212 |
| Alliance United | $2,162 |
2023 Volkswagen Atlas Cross Sport Insurance Rates
The average annual insurance cost for a 2023 Volkswagen Atlas Cross Sport is $1,353. However, Victoria offers the cheapest rates, averaging $296 per year.
| Insurance Provider | Average Annual Cost |
| California Capital | $1,233 |
| State Auto | $1,897 |
| 21st Century | $1,607 |
| Mercury | $1,391 |
| Victoria | $296 |
| Auto-Owners Insurance Co | $1,271 |
| Allied | $1,070 |
| Erie | $1,616 |
| Farmers | $1,693 |
| Atlantic States Insurance | $1,460 |
2022 Volkswagen Atlas Cross Sport Insurance Rates
The average annual insurance cost for a 2022 Volkswagen Atlas Cross Sport is $721. However, Plymouth Rock Assurance offers the cheapest rates, averaging $421 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $539 |
| New Jersey Manufacturers | $978 |
| Tennessee Farmers | $778 |
| National General Value | $699 |
| Plymouth Rock Assurance | $421 |
| Plymouth Rock | $744 |
| Direct Auto | $527 |
| Mercury Insurance | $842 |
| Pekin Insurance | $917 |
| Texas Farm Bureau Group | $767 |
2021 Volkswagen Atlas Cross Sport Insurance Rates
The average annual insurance cost for a 2021 Volkswagen Atlas Cross Sport is $716. However, Mercury Insurance offers the cheapest rates, averaging $255 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $451 |
| SECURA Insurance | $1,209 |
| Pekin Insurance | $791 |
| Buckeye Insurance Group | $573 |
| Mercury Insurance | $255 |
| Safeco | $496 |
| National General Value | $340 |
| Western Reserve | $1,110 |
| New Jersey Manufacturers | $1,158 |
| Plymouth Rock | $772 |
2020 Volkswagen Atlas Cross Sport Insurance Rates
The average annual insurance cost for a 2020 Volkswagen Atlas Cross Sport is $1,027. However, Dairyland offers the cheapest rates, averaging $367 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $726 |
| West Bend Mutual | $1,363 |
| Dairyland Auto | $1,267 |
| Farm Bureau Mutual (IA Group) | $1,178 |
| Dairyland | $367 |
| North Carolina Farm Bureau | $1,070 |
| American National P | $420 |
| MMG Insurance Company | $1,319 |
| Southern Farm Bureau | $1,378 |
| New Jersey Manufacturers | $1,183 |
Find Affordable Volkswagen Atlas Cross Sport Car Insurance
Are Volkswagen Atlas Cross Sports Expensive To Insure?
The Volkswagen Atlas Cross Sport is moderately priced to insure compared to other midsize SUVs. With an average annual premium of around $2,400, it’s slightly below the national average for vehicles in its class. The cost reflects a balance between the SUV’s safety features, repair costs, and its classification as a sporty, higher-end model. Factors like your age, location, driving history, and coverage preferences will influence your actual rate. While not the cheapest SUV to insure, the Atlas Cross Sport offers reasonable insurance costs for the value it delivers in terms of performance, design, and versatility.
Cost of Volkswagen Atlas Cross Sport Car Insurance By Age
Age is one of the most important factors insurers use when calculating your premium. Younger drivers, especially teenagers, usually face the highest insurance costs because they’re statistically more likely to be involved in accidents. Insurance companies view them as high-risk drivers due to their lack of experience behind the wheel. As drivers age and gain more experience—particularly into their 30s, 40s, and 50s—premiums generally decrease because the risk of filing a claim drops. Maintaining a clean driving record over time can also lead to additional discounts, helping to keep insurance costs lower as you get older.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
|---|---|---|---|
| 17 | $795.37 | $1,690.52 | $1,290.00 |
| 18 | $795.37 | $1,690.52 | $1,290.00 |
| 19 | $265.12 | $333.64 | $1,490.00 |
| 20 | $225.83 | $191.08 | $1,185.00 |
| 21 | $137.48 | $189.32 | $1,080.00 |
| 22 | $116.51 | $180.37 | $1,027.50 |
| 23 | $137.66 | $251.95 | $985.00 |
| 24 | $461.69 | $222.68 | $942.50 |
| 25 | $372.85 | $231.28 | $880.00 |
| 30 | $257.45 | $194.56 | $817.50 |
| 35 | $222.47 | $199.18 | $765.00 |
| 40 | $194.56 | $186.36 | $722.50 |
| 45 | $189.18 | $164.99 | $670.00 |
| 55 | $186.36 | $180.23 | $597.50 |
| 65 | $195.98 | $176.28 | $555.00 |
| 75 | $187.83 | $177.57 | $492.50 |
Volkswagen Atlas Cross Sport Insurance Rates By State
Your location has a major impact on how much you’ll pay to insure a Volkswagen Atlas Cross Sport. Each state sets its own insurance requirements, which can greatly influence premiums. For example, drivers in Michigan often pay more due to the state’s high mandatory coverage levels. Local weather conditions also matter—areas prone to natural disasters like hurricanes, floods, or snowstorms tend to have higher insurance rates due to the increased risk of damage. Additionally, insurers assess regional statistics on crime, theft, and accident frequency. All of these factors combine to determine your specific insurance cost based on where you live.
| State | Good Driver | Recent Accident | Poor Credit |
|---|---|---|---|
| Alabama | $1,869 | $2,743 | $3,520 |
| Alaska | $1,577 | $2,158 | $2,118 |
| Arizona | $1,773 | $2,550 | $3,800 |
| Arkansas | $1,958 | $3,045 | $3,349 |
| California | $2,137 | $3,850 | $2,121 |
| Colorado | $2,013 | $2,815 | $3,570 |
| Connecticut | $2,558 | $3,989 | $5,062 |
| Delaware | $2,151 | $2,845 | $3,630 |
| Florida | $2,541 | $3,523 | $4,600 |
| Hawaii | $812 | $1,141 | $827 |
| Idaho | $1,419 | $1,894 | $2,331 |
| Illinois | $1,496 | $2,274 | $2,611 |
| Indiana | $1,529 | $2,368 | $2,651 |
| Iowa | $1,227 | $1,692 | $1,981 |
| Kansas | $1,637 | $2,392 | $2,771 |
| Kentucky | $2,338 | $3,466 | $4,118 |
| Louisiana | $3,025 | $4,571 | $4,978 |
| Maine | $1,141 | $1,582 | $2,332 |
| Maryland | $1,824 | $2,696 | $2,982 |
| Massachusetts | $1,468 | $2,578 | $1,481 |
| Michigan | $3,572 | $5,474 | $8,650 |
| Minnesota | $1,472 | $1,958 | $2,780 |
| Mississippi | $1,771 | $2,532 | $2,559 |
| Missouri | $1,653 | $2,416 | $3,138 |
| Montana | $1,686 | $2,366 | $2,764 |
| Nebraska | $1,434 | $2,138 | $2,351 |
| Nevada | $2,358 | $3,549 | $3,754 |
| New Hampshire | $1,645 | $2,620 | $3,297 |
| New Jersey | $1,829 | $2,844 | $3,783 |
| New Mexico | $1,848 | $2,798 | $2,886 |
| New York | $1,727 | $2,186 | $3,635 |
| North Carolina | $1,063 | $1,835 | $1,316 |
| North Dakota | $1,482 | $2,207 | $2,636 |
| Ohio | $1,299 | $1,999 | $2,086 |
| Oklahoma | $2,098 | $2,973 | $3,355 |
| Oregon | $1,872 | $2,522 | $3,020 |
| Pennsylvania | $1,579 | $2,336 | $2,764 |
| Rhode Island | $2,658 | $3,905 | $4,406 |
| South Carolina | $1,811 | $2,505 | $3,498 |
| South Dakota | $1,630 | $2,340 | $2,715 |
| Tennessee | $1,895 | $2,832 | $3,764 |
| Texas | $1,912 | $2,815 | $3,478 |
| Utah | $1,634 | $2,312 | $3,192 |
| Vermont | $1,240 | $1,923 | $2,072 |
| Virginia | $1,178 | $1,815 | $1,785 |
| Washington | $1,582 | $2,132 | $2,534 |
| West Virginia | $1,574 | $2,265 | $2,853 |
| Wisconsin | $1,583 | $2,469 | $2,817 |
| Wyoming | $1,459 | $2,066 | $2,185 |
| Georgia | $2,077 | $3,091 | $3,128 |
Find Affordable Volkswagen Atlas Cross Sport Car Insurance Rates
Cheapest car insurance companies for a Volkswagen Atlas Cross Sport
Lemonade offers the most affordable rate at approximately $1,850 annually, which breaks down to about $154 per month. Farmers provides competitive pricing with an estimated annual premium of $1,899, translating to roughly $158 monthly. USAA’s estimated annual premium stands at $1,703, equating to approximately $142 per month. Allstate offers a balanced option with an estimated annual premium of $2,171, or about $181 monthly. Mercury provides comprehensive coverage options at an estimated annual premium of $1,747, which is around $146 per month.
| Insurance Company | Average Monthly |
|---|---|
| Lemonade | $154 |
| Farmers | $158 |
| USAA | $142 |
| Allstate | $181 |
| Mercury | $146 |
Common Volkswagen Atlas Cross Sport Insurance Discounts
Discounts are a great way to lower your car insurance costs. While each auto insurance provider will offer their own discounts, there are some common ones which you can check your eligibility for:
- Multi-policy: If you bundle your home and auto insurance policies with one provider, you can often get a discounted rate.
- Pay annually: This is for people who pay their premium all at once, rather than spreading the payments out every month.
- Defensive driving: By taking defensive driving courses from a certified institution you can become eligible for discounted prices.
There are other discounts that you can apply for. You should speak to your insurance agent, as they can help you find ones that you are eligible for.
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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 Cross Sport?
Yes, you’ll need to show proof of insurance before driving your Volkswagen Atlas Cross Sport off the dealership lot. The smartest approach is to secure a policy in advance and notify your insurer that you’re purchasing a new vehicle. This ensures you’re fully covered the moment you take ownership and helps you avoid relying on potentially more expensive or limited coverage options offered by the dealership. By arranging your insurance ahead of time, you can compare quotes, choose the best rate, and make the process of finalizing your purchase much smoother and more cost-effective.
How Can You Get The Cheapest Insurance For Your Volkswagen Atlas Cross Sport?
The most effective way to find the lowest insurance rates for your Volkswagen Atlas Cross Sport is to compare quotes from multiple auto insurance providers. Rates can vary significantly from one company to another, even for the same vehicle and driver profile. By shopping around, you can identify the most competitive offers and save money on your policy. At Insuranceopedia, we make this process easy by allowing you to compare quotes from several top insurers directly on our website. This helps you quickly find the best deal tailored to your needs—all in one convenient place.
