- Volkswagen Atlas insurance costs an average of $2,078 per year or around $173 per month, depending on the trim level.
- The cheapest VW Atlas insurance is on the SE 2WD trim level at an estimated $1,950 per year. The most expensive is the SEL Premium R-Line 4Motion at $2,218 annually.
- When compared to the entire midsize SUV segment, insurance rates for the 2024 VW Atlas rank near the top of the pack at sixth out of 34 total comparison vehicles.
How much does Volkswagen Atlas insurance cost?
Volkswagen Atlas insurance costs an average of $2,078 annually for full coverage, or around $173 a month. Drivers can expect to pay about $236 less each year for Volkswagen Atlas insurance when compared to the average rate for all midsize SUVs, and $143 less per year than the overall all-vehicle national average of $2,221.
Average car insurance monthly payments range from $163 to $185, depending on the exact trim level of the Atlas being insured.
The following chart details how average VW Atlas insurance cost varies with differences in driver age and physical damage deductibles. Average prices range from a low of $1,430 per year for a driver age 60 with $1,000 comprehensive and collision deductibles to a high policy cost of $4,868 annually for a 20-year-old driver with low physical damage deductibles.
The insurance rates above show just a small set of insurance rate estimates from an enormous number of possibilities. If the chart displayed every rate for every possible data combination, including all six Atlas trim levels and all 42,000+ zip codes in the U.S., the chart would show about 580,608,000,000 different insurance rates for a Volkswagen Atlas.
From a deductible standpoint, the higher the deductible, the lower the policy cost. In the chart above, prices range from an average rate for a 20-year-old driver of $4,140 to the average rate for a 60-year-old driver of $1,716.
Teenage drivers would have much higher insurance rates on a VW Atlas. For example, a 16-year-old male driver with a clean driving record would pay around $7,202 while a 16-year-old female would pay about $6,734.
What is the cheapest insurance on a VW Atlas?
With Volkswagen Atlas insurance rates ranging from $1,950 to $2,218 per year for an average driver, the most affordable trim level to insure is the Atlas SE 2WD. The next cheapest trim level to insure is the SE 4Motion model at $1,994 per year.
The priciest trim levels of Volkswagen Atlas to insure are the SEL Premium R-Line 4Motion at $2,218 and the SEL 4Motion at $2,162 per year. Those will cost an extra $268 and $212 per year, respectively, over the lowest cost SE 2WD model.
Plan on paying in the range of $163 to $185 per month to insure an Atlas for full coverage. This amount can fluctuate significantly, however, based on the driver’s age, driving record, location, and even possibly credit history.
The table below details average car insurance policy costs for annual and 6-month terms for all 2024 Volkswagen Atlas trim levels.
| 2024 Volkswagen Atlas Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| SE 2WD | $1,950 | $163 |
| SE 4Motion | $1,994 | $166 |
| SE Technology 2WD | $2,050 | $171 |
| SE Technology 4Motion | $2,086 | $174 |
| SEL 4Motion | $2,162 | $180 |
| SEL Premium R-Line 4Motion | $2,218 | $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
How does Atlas car insurance cost compare?
When compared to other popular midsize SUVs, 2024 Volkswagen Atlas insurance costs $514 less per year than the Tesla Model Y, $264 less per year than the Jeep Grand Cherokee, $522 less per year than the Ford Bronco, and $108 less per year than the Chevrolet Traverse.
The VW Atlas ranks sixth out of 34 total vehicles in the midsize SUV category. The Atlas costs an average of $2,078 per year to insure and the segment average cost is $2,314 per year, a difference of $236 per year.
The chart below shows how average Atlas car insurance rates compare to the top 10 most popular midsize SUVs in America by sales volume. To see how the entire class stacks up, the table after the chart details insurance cost comparisons and rankings for all 34 models in the 2024 midsize SUV category.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Honda Passport | $1,866 | -$212 |
| 2 | Nissan Murano | $1,968 | -$110 |
| 3 | Subaru Outback | $1,994 | -$84 |
| 4 | Buick Envista | $2,004 | -$74 |
| 5 | Subaru Ascent | $2,038 | -$40 |
| 6 | Volkswagen Atlas | $2,078 | -- |
| 7 | Volkswagen Atlas Cross Sport | $2,086 | $8 |
| 8 | Ford Explorer | $2,124 | $46 |
| 9 | Toyota Highlander | $2,132 | $54 |
| 10 | Toyota Venza | $2,136 | $58 |
| 11 | Chevrolet Traverse | $2,186 | $108 |
| 12 | Mitsubishi Outlander Sport | $2,198 | $120 |
| 13 | Mitsubishi Outlander PHEV | $2,210 | $132 |
| 14 | Ford Edge | $2,214 | $136 |
| 15 | Kia Sorento | $2,222 | $144 |
| 16 | GMC Acadia | $2,262 | $184 |
| 17 | Buick Enclave | $2,266 | $188 |
| 18 | Honda Pilot | $2,280 | $202 |
| 19 | Mazda CX-9 | $2,286 | $208 |
| 20 | Jeep Grand Cherokee | $2,342 | $264 |
| 21 | Hyundai Santa Fe | $2,382 | $304 |
| 22 | Nissan Pathfinder | $2,384 | $306 |
| 23 | Hyundai Palisade | $2,394 | $316 |
| 24 | Chevrolet Blazer | $2,416 | $338 |
| 25 | Kia Telluride | $2,444 | $366 |
| 26 | Toyota 4Runner | $2,510 | $432 |
| 27 | Mazda CX-90 | $2,522 | $444 |
| 28 | Toyota Grand Highlander | $2,552 | $474 |
| 29 | Kia EV9 | $2,568 | $490 |
| 30 | Tesla Model Y | $2,592 | $514 |
| 31 | Ford Bronco | $2,600 | $522 |
| 32 | Jeep Wrangler | $2,676 | $598 |
| 33 | Dodge Durango | $2,872 | $794 |
| 34 | Rivian R1S | $2,882 | $804 |
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 26, 2025
Volkswagen Atlas prior model year insurance rates
The following sections detail VW Atlas insurance rates for every trim level since the 2018 model year. Rates for the 2024 model year are detailed in the prior charts and tables.
2022 Volkswagen Atlas insurance rates
Insurance rates for a 2022 Volkswagen Atlas average $2,066 per year, or $172 per month. Rates range from $1,904 per year for the Atlas SE 2WD to $2,216 for the Atlas SEL Premium R-Line V6 4Motion.
| 2022 Volkswagen Atlas Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| SE 2WD | $1,904 | $159 |
| SE 4Motion | $1,956 | $163 |
| SE Technology 2WD | $2,008 | $167 |
| SE Technology V6 2WD | $2,042 | $170 |
| SE Technology 4Motion | $2,046 | $171 |
| SE Technology V6 4Motion | $2,078 | $173 |
| SEL 4Motion | $2,112 | $176 |
| SEL V6 4Motion | $2,138 | $178 |
| SEL R-Line 4Motion | $2,158 | $180 |
| SEL Premium R-Line V6 4Motion | $2,216 | $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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025
2021 Volkswagen Atlas insurance rates
Average insurance rates for a 2021 Volkswagen Atlas are $1,846 per year, or around $154 per month. Rates range from $1,776 per year for the Atlas 2.0 SE 2WD to $1,906 for the Atlas 2.0 SEL 2WD.
| 2021 Volkswagen Atlas Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 2.0 SE 2WD | $1,776 | $148 |
| 2.0 SE Tech 2WD | $1,842 | $154 |
| 2.0 S 2WD | $1,854 | $155 |
| 2.0 SEL 2WD | $1,906 | $159 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 26, 2025
2020 Volkswagen Atlas insurance rates
Average insurance rates for a 2020 Volkswagen Atlas are $1,790 per year, or around $149 per month. Rates range from $1,724 per year for the Atlas 2.0 SE 2WD to $1,846 for the Atlas 2.0 SEL 2WD.
| 2020 Volkswagen Atlas Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 2.0 SE 2WD | $1,724 | $144 |
| 2.0 SE Tech 2WD | $1,784 | $149 |
| 2.0 S 2WD | $1,798 | $150 |
| 2.0 SEL 2WD | $1,846 | $154 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025
2019 Volkswagen Atlas insurance rates
Insurance rates for a 2019 Volkswagen Atlas average $1,734 per year, or about $145 per month. Rates range from $1,610 per year for the Atlas 3.6 SE 2WD to $1,930 for the Atlas 3.6 S 4Motion 4WD.
| 2019 Volkswagen Atlas Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 3.6 SE 2WD | $1,610 | $134 |
| 3.6 SE 4Motion 4WD | $1,668 | $139 |
| 3.6 SE 4Motion Tech Package 4WD | $1,668 | $139 |
| 3.6 SE Tech Package 2WD | $1,668 | $139 |
| 3.6 SE Tech/R-Line 2WD | $1,668 | $139 |
| 3.6 SE 4Motion Tech/R-Line 4WD | $1,728 | $144 |
| 3.6 SEL 2WD | $1,728 | $144 |
| 3.6 SEL 4Motion 4WD | $1,728 | $144 |
| 3.6 SEL R-Line 2WD | $1,728 | $144 |
| 3.6 SEL 4Motion Premium Package 4WD | $1,786 | $149 |
| 3.6 SEL 4Motion R-Line 4WD | $1,786 | $149 |
| 2.0 S Tech Package 2WD | $1,870 | $156 |
| 3.6 S 4Motion 4WD | $1,930 | $161 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 26, 2025
2018 Volkswagen Atlas insurance rates
2018 Volkswagen Atlas insurance rates average $1,572 per year, or around $131 per month. Cost ranges from $1,478 per year for the Atlas 2 2WD to $1,702 for the Atlas 3.6 SEL 4Motion Premium 4WD.
| 2018 Volkswagen Atlas Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 2 2WD | $1,478 | $123 |
| 3.6 2WD | $1,478 | $123 |
| 2.0 SE 2WD | $1,536 | $128 |
| 2.0 SE Tech 2WD | $1,536 | $128 |
| 3.6 4Motion 4WD | $1,536 | $128 |
| 3.6 Launch 2WD | $1,536 | $128 |
| 3.6 Launch 4Motion 4WD | $1,536 | $128 |
| 3.6 SE 2WD | $1,536 | $128 |
| 3.6 SE Tech 2WD | $1,590 | $133 |
| 3.6 SE Tech 4WD | $1,590 | $133 |
| 2.0 SEL 2WD | $1,618 | $135 |
| 3.6 SE 4Motion 4WD | $1,618 | $135 |
| 3.6 SEL 2WD | $1,646 | $137 |
| 3.6 SEL 4Motion 4WD | $1,646 | $137 |
| 3.6 SEL 4Motion Premium 4WD | $1,702 | $142 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 26, 2025
Additional observations and data insights
Some other rates and scenarios are listed below that may help you avoid paying too much on auto insurance.
- More mature drivers get better rates than young drivers. The difference in insurance rates for a 2024 Atlas between a 40-year-old driver ($2,078 per year) and a 20-year-old driver ($4,140 per year) is $2,062, or a savings of 66.3%.
- Lower policy costs by raising deductibles. Raising deductibles from $500 to $1,000 could save around $354 per year for a 40-year-old driver and $690 per year for a 20-year-old driver.
- Low deductibles make insurance more expensive. Decreasing deductibles from $500 to $250 could cost an additional $368 per year for a 40-year-old driver and $728 per year for a 20-year-old driver.
- Expect to pay a lot for high-risk insurance. For a 20-year-old driver, being required to buy a high-risk insurance policy could increase the cost by $3,208 or more per year.
- Obey driving laws to keep policy costs low. To get the cheapest VW Atlas insurance rates, it pays to avoid traffic citations. Not surprisingly, just a couple of traffic violations can raise insurance policy costs by up to $532 per year. Serious violations such as hit-and-run could raise rates by an additional $1,882 or more.
- Get better rates due to your employment. The large majority of car insurance providers offer discounts for working in professions like engineers, members of the military, college professors, police officers and law enforcement, accountants, nurses, and other occupations. If you work in a qualifying profession, you may save between $62 and $228 on your annual car insurance cost, subject to policy limits.