Volkswagen Atlas Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs more to insure a Volkswagen Atlas than the average SUV.
• Full coverage for an Atlas typically runs about $161 per month, while liability only auto insurance premiums come in at around $76 monthly.
• The lowest car insurance company for an Atlas is Jupiter.

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Atlas Overview

With 2022 models starting at $32,775, the Volkswagen Atlas is a great budget-friendly option for any driver. There are four different trim levels currently available, so there's something there for every driver.

After analyzing thousands of insurance quotes through Compare.com, we've found that Volkswagen Atlas auto insurance prices are about $146 a month, on average. But compared to other vehicles in the market, are Atlas car insurance rates higher or lower than those of similar SUVs?

How Much is Car Insurance for a Volkswagen Atlas?

In the table above, you'll find that compared to other vehicles on the road, Volkswagen Atlas insurance premiums are around average. On average, Atlas owners will pay about $76 per month for liability insurance, and around $161 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (learn more about the difference with our guide "State Minimum vs. Full Coverage").

Compared to other Volkswagen models, the Atlas is slightly cheaper, with prices more than 5% lower than the rest of the company's vehicle lineup. Compared to SUV offerings from other brands, insurance for an Atlas runs close to average, with liability insurance rates $4 cheaper than other SUVs and full coverage insurance premiums coming in $10 higher.

The same applies when comparing the Volkswagen Atlas to vehicles of any body type, no matter what make, model, or body style they are.

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Who has the Cheapest Car Insurance for a Volkswagen Atlas?

If you're searching for a car insurance policy for a Volkswagen Atlas, you may want to know which carrier offers the most affordable prices. While there will never be one company that offers the cheapest prices for everyone, Mile Auto and and Shelter Mutual offer the most affordable average rates for liability only coverage, with rates as little as $28 a month.

Rounding out the list are FirstChicago, Infinity, and Clearcover. But just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Volkswagen Atlas.

Car insurance companies take lots of different factors into consideration when calculating how much to charge you. By analyzing quotes from a range of car insurance carriers at once, you can be confident you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Volkswagen Atlas?

As we mentioned above, there are a wide array of variables that insurance companies consider to decide how much they charge for a policy -- and each carrier weighs certain variables more than others, so there's not one company that's the cheapest for every driver.

Here are just a few of the things car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

Because the Volkswagen Atlas has only been around for two or three model years, vehicle age won't come into play the same way it might for other vehicles. Typically, it costs less to insure older cars because they're worth less than newer models, and as time goes on and Atlases begin to depreciate, insurance costs will gradually go down.

Next year, we'll have a better idea of the differences in rates for each model year, but for now we see that a Atlas less than one year old will be around between $72 and $77 per month to insure.

Your Age

How old you are plays a big role in how much auto insurance carriers will charge for car insurance. Because the Volkswagen Atlas is pretty new to the market, we're just starting to collect data on how age is affecting insurance prices. So far, based on the table above, young Atlas drivers pay less for auto insurance than drivers who have more experience on the road.

Insurance prices continue to decrease as you get older, with the cheapest age group for Atlas drivers being 18-24.

Your Gender

Did you know women tend to pay less for car insurance than men? This is because women are less likely to get speeding tickets and get into collisions, which lowers the chances of an insurance claim. Surprisingly, when it comes to Atlas drivers specifically, women pay about 11% more than men every month for insurance.

Where You Live

You might think it's common sense that factors like what vehicle you drive and how old you are play a role in your auto insurance premiums, but did you know that where you live is equally important? Auto insurance is regulated on the state level rather than nationally, so rates can change quite a bit depending on what state you reside in.

Because the Atlas is a relatively new vehicle, our data sets are somewhat limited. Even so, you can see in the table above that New York has rates that are more expensive than anywhere else.

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Volkswagen Atlas Car Insurance Discounts

Whatever what car you drive, how old you are, or what state you call home, it's always a smart move to take advantage of as many car insurance discounts as possible.

Even though all auto insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Multi-policy discounts for bundling your home and auto policies with the same carrier
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Pay-in-full discounts for drivers who choose to pay their entire policy price at once, rather than in monthly installments
• Multi-vehicle discounts for having more than one car on your auto policy

There are all sorts of other discounts out there for saving money on your insurance.

Even though you may not be able to control every factor auto insurance companies examine to calculate premiums (like some of the ones mentioned above), you can influence some of them. Below are just a few of the variables you can use to your advantage when it comes to saving cash:

Your Driving Record

You've almost certainly noticed ads from insurance carriers promoting big discounts for safe drivers. It shouldn't come as a surprise that your car insurance prices will go up if you get into a collision or get tickets. But exactly how much can these infractions cost you?

Unfortunately, we don't have enough data on file for Volkswagen Atlas drivers specifically, since it is a relatively new vehicle. However, we'll have a better idea of how much infractions will cost Atlas drivers when it comes to insurance as we see more and more of these on the road.

How Much You Drive

Another variable that affects your auto insurance rates is the total distance you drive each year. Those who are on the roads less often are less likely to get speeding tickets, so they'll usually end up paying less for car insurance. Since the Volkswagen Atlas is a new vehicle, our data is relatively limited, so we don't yet know how much annual driving distance will affect premiums. So far, drivers who travel 0 - 2,500 miles each year are offered the most affordable rates.

But if you work from home or drive less often than the average driver, it may be worth considering usage-based or pay-per-mile auto insurance. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Volkswagen Atlases Compare to Other Vehicles?

If you're thinking about purchasing a new SUV and a Volkswagen Atlas is on your shortlist, you're probably wondering how it compares to other cars. Car insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth thinking about carefully.

Check out the table below to see how the Volkswagen Atlas stacks up:

Overall, the Volkswagen Atlas is a great value for any budget, with an MSRP that's a quarter less than the going rate for a new vehicle. The Atlas comes in at $32,775, which is much cheaper than the national average vehicle MSRP of $46,192.

Liability insurance for a Volkswagen Atlas is, while full coverage is more than $20 cheaper monthly.

When it comes to usage, Volkswagen Atlas drivers are much lower than the national average in annual miles driven, with 8,949 miles per year compared to 11,617 for all vehicles.

Volkswagen Atlas Car Insurance Costs by Model Year

We've gone over many of the things that can affect how much the average driver pays to insure a Volkswagen Atlas. If you're considering purchasing a new Atlas, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

Choose Your Model

2021 Volkswagen Atlas Car Insurance 2020 Volkswagen Atlas Car Insurance 2019 Volkswagen Atlas Car Insurance 2018 Volkswagen Atlas Car Insurance

2021 Volkswagen Atlas Car Insurance

You can expect full coverage for a 2021 Volkswagen Atlas to run around $174 a month, while liability only coverage will average about $73 monthly.

If you're looking for the most affordable 2021 Volkswagen Atlas insurance policy, Fiesta offered the lowest policy we found, with rates as cheap as just $35 per month.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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2020 Volkswagen Atlas Car Insurance

On average, drivers who own a 2020 Atlas can expect to pay $71 to $143 a month for liability only and full coverage insurance, respectively.

Clearcover has premiums as low as $33 per month for the 2020 Volkswagen Atlas.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2019 Volkswagen Atlas Car Insurance

It costs around $81 monthly for liability or $163 for a full coverage policy for the 2019 Volkswagen Atlas.

With prices sometimes as little as $26 a month, Shelter Mutual offered the cheapest policy we found for the 2019 Volkswagen Atlas.

Interested in what your auto insurance premium could look like? Get multiple free customized quotes by just entering your ZIP code below.

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2018 Volkswagen Atlas Car Insurance

The average cost to insure a 2018 Atlas with liability only coverage is $77 per month, while full coverage runs about $159 monthly.

Looking for the most affordable policy? Liberty Mutual offered liability only coverage for sometimes as cheap as $26 per month.

If you want to know exactly how much you can expect to pay for your Atlas, just enter your ZIP code below and get free quotes in minutes.

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Volkswagen Atlas Insurance FAQs

Is a Volkswagen Atlas expensive to insure?

When compared to the national average of all vehicles, rates come in on the more expensive end of the spectrum. Liability insurance runs an average of $76 monthly, while full coverage will cost you around $161.

How can I get the best price on car insurance for my Volkswagen Atlas?

The only way to be confident you're getting the lowest price on car insurance is to regularly shop around and compare quotes from quite a few companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from an array of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Volkswagen Atlas affect my insurance prices?

You've probably heard the old adage that it costs more to insure a red car, but that's just a myth. Although there are lots of factors insurance companies think about when they offer you a premium, the color of your Atlas is not factored into that decision.

Do I need to have insurance before I buy a Volkswagen Atlas?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have a valid auto insurance policy. As part of the buying process, some dealerships may offer you an auto insurance policy, but the easiest thing to do is to let your car insurance carrier know ahead of time.

What car insurance discounts can I get for my Volkswagen Atlas?

There are tons of discounts out there when it comes to insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are more based on you than the Volkswagen Atlas you drive, but if your Atlas has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. To learn more about which discounts you might qualify for, contact your insurance company and ask about which discounts they offer, since they fluctuate quite a bit from carrier to carrier.