- Average Volkswagen Atlas Cross Sport insurance cost is $2,086 per year, or around $174 per month for full coverage.
- The cheapest Atlas Cross Sport insurance is on the SE 2WD model at $1,946 per year.
- The most expensive model to insure is the SEL Premium R-Line 4Motion at $2,220 per year.
How much is VW Atlas Cross Sport insurance?
Volkswagen Atlas Cross Sport insurance costs around $2,086 per year. With MSRP ranging from $36,715 to $51,840 for the 2024 model, monthly insurance rates range from $162 to $185.
The chart below breaks down average rates for drivers age 20 to 60 and for three different policy deductible amounts. Insurance rates in the example range from $1,436 per year for a 60-year-old driver with high deductibles to $4,824 per year for a 20-year-old with $250 deductibles.
As shown in the chart, car insurance rates tend to be cheaper for older drivers, and are also cheaper for higher deductible amounts. Another factor that affects cost is the trim level of the vehicle you’re insuring.
The rate table below shows average insurance cost for each Atlas Cross Sport trim level available for the 2024 model.
| 2024 Volkswagen Atlas Cross Sport Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| SE 2WD | $1,946 | $162 |
| SE 4Motion | $1,992 | $166 |
| SE Technology 2WD | $2,034 | $170 |
| SE Technology 4Motion | $2,072 | $173 |
| SEL 4Motion | $2,162 | $180 |
| SEL R-Line 4Motion | $2,182 | $182 |
| SEL Premium R-Line 4Motion | $2,220 | $185 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 27, 2025
Is Atlas Cross Sport insurance expensive?
The VW Atlas Cross Sport ranks seventh out of 34 comparison vehicles in the 2024 midsize SUV segment for auto insurance affordability. The Atlas Cross Sport costs an average of $2,086 per year for a full coverage policy and the segment average insurance cost is $2,314 per year.
When compared directly to the other midsize SUVs, average car insurance prices for an Atlas Cross Sport cost $256 less per year than the Jeep Grand Cherokee, $46 less than the Toyota Highlander, and $38 less than the Ford Explorer.
The chart displayed below shows how well the Atlas Cross Sport fares against the top-selling midsize SUVs like the Subaru Outback, Jeep Cherokee, and the Honda Pilot. Following the chart, a table ranks insurance cost for the entire midsize segment, with the Atlas Cross Sport highlighted ranked at seventh.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Honda Passport | $1,866 | -$220 |
| 2 | Nissan Murano | $1,968 | -$118 |
| 3 | Subaru Outback | $1,994 | -$92 |
| 4 | Buick Envista | $2,004 | -$82 |
| 5 | Subaru Ascent | $2,038 | -$48 |
| 6 | Volkswagen Atlas | $2,078 | -$8 |
| 7 | Volkswagen Atlas Cross Sport | $2,086 | -- |
| 8 | Ford Explorer | $2,124 | $38 |
| 9 | Toyota Highlander | $2,132 | $46 |
| 10 | Toyota Venza | $2,136 | $50 |
| 11 | Chevrolet Traverse | $2,186 | $100 |
| 12 | Mitsubishi Outlander Sport | $2,198 | $112 |
| 13 | Mitsubishi Outlander PHEV | $2,210 | $124 |
| 14 | Ford Edge | $2,214 | $128 |
| 15 | Kia Sorento | $2,222 | $136 |
| 16 | GMC Acadia | $2,262 | $176 |
| 17 | Buick Enclave | $2,266 | $180 |
| 18 | Honda Pilot | $2,280 | $194 |
| 19 | Mazda CX-9 | $2,286 | $200 |
| 20 | Jeep Grand Cherokee | $2,342 | $256 |
| 21 | Hyundai Santa Fe | $2,382 | $296 |
| 22 | Nissan Pathfinder | $2,384 | $298 |
| 23 | Hyundai Palisade | $2,394 | $308 |
| 24 | Chevrolet Blazer | $2,416 | $330 |
| 25 | Kia Telluride | $2,444 | $358 |
| 26 | Toyota 4Runner | $2,510 | $424 |
| 27 | Mazda CX-90 | $2,522 | $436 |
| 28 | Toyota Grand Highlander | $2,552 | $466 |
| 29 | Kia EV9 | $2,568 | $482 |
| 30 | Tesla Model Y | $2,592 | $506 |
| 31 | Ford Bronco | $2,600 | $514 |
| 32 | Jeep Wrangler | $2,676 | $590 |
| 33 | Dodge Durango | $2,872 | $786 |
| 34 | Rivian R1S | $2,882 | $796 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 27, 2025
Additional data and information
A lot of rates were covered in the charts and tables above, including rates for different driver ages, rates for different policy deductibles, and comparisons to similar models. The list below has some additional information that may be useful along with some tips to save money when insuring your Atlas Cross Sport.
- Driver gender influences rates. For a 2024 Volkswagen Atlas Cross Sport, a 20-year-old man receives an average rate of $4,104 per year, while a 20-year-old female will pay $2,966, a difference of $1,138 per year. Women get significantly cheaper rates. But by age 50, the cost for men is $1,844 and the cost for female drivers is $1,802, a difference of only $42.
- Being a cautious driver saves money. Having frequent accidents may increase rates, possibly up to $2,842 per year for a 20-year-old driver and even as much as $814 per year for a 40-year-old driver.
- The cost to insure teen drivers is expensive. Average rates for full coverage Atlas Cross Sport insurance costs $7,107 per year for a 16-year-old driver, $6,919 per year for a 17-year-old driver, $6,272 per year for an 18-year-old driver, and $5,706 per year for a 19-year-old driver.
- Raising physical damage deductibles lowers cost. Raising the comprehensive and collision deductibles from $500 to $1,000 could save around $356 per year for a 40-year-old driver and $682 per year for a 20-year-old driver.
- Low physical damage deductibles increase policy cost. Lowering deductibles from $500 to $250 could cost an additional $370 per year for a 40-year-old driver and $720 per year for a 20-year-old driver.
- Avoid traffic tickets to pay less. To get the best Atlas Cross Sport insurance rates, it pays to follow the law. Just a few minor traffic citations have the ramification of raising rates as much as $528 per year.
- Getting older pays dividends in cheaper insurance. The difference in insurance cost for a Volkswagen Atlas Cross Sport between a 60-year-old driver ($1,724 per year) and a 20-year-old driver ($4,104 per year) is $2,380, or a savings of 81.7%.
- Your job could save you money. Many auto insurance providers offer policy discounts for specific occupations like accountants, scientists, lawyers, police officers and law enforcement, members of the military, and others. Being employed in a qualifying occupation could potentially save between $63 and $228 on your car insurance bill, depending on your policy.