- Volkswagen Atlas insurance costs an average of $1,506 per year or around $126 per month, depending on the trim level.
- The cheapest VW Atlas insurance is on the SE 2WD trim level at an estimated $1,398 per year. The most expensive is the SEL Premium R-Line V6 4Motion at $1,606 annually.
- When compared to the entire midsize SUV segment, insurance rates for the 2023 VW Atlas rank near the top of the pack at fifth out of 31 total comparison vehicles.
How much does Volkswagen Atlas insurance cost?
Volkswagen Atlas insurance costs an average of $1,506 annually for full coverage, or around $126 a month. Drivers can expect to pay about $218 less each year for Volkswagen Atlas insurance when compared to the average rate for all midsize SUVs, and $179 less per year than the overall all-vehicle national average of $1,685.
Average car insurance monthly payments range from $117 to $134, 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 $1,126 per year for a driver age 60 with $1,000 comprehensive and collision deductibles to a high policy cost of $3,500 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 10 Atlas trim levels and all 42,000+ zip codes in the U.S., the chart would show about 967,680,000,000 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 $2,984 to the average rate for a 60-year-old driver of $1,348.
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 $5,268 while a 16-year-old female would pay about $4,630.
What is the cheapest insurance on a VW Atlas?
With Volkswagen Atlas insurance rates ranging from $1,398 to $1,606 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 $1,430 per year.
The priciest trim levels of Volkswagen Atlas to insure are the SEL Premium R-Line V6 4Motion at $1,606 and the SEL R-Line Black 4Motion at $1,572 per year. Those will cost an extra $208 and $174 per year, respectively, over the lowest cost SE 2WD model.
Plan on paying in the range of $117 to $134 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 2023 Volkswagen Atlas trim levels.
| Volkswagen Atlas Trim Level | Annual Policy | Six-Month Policy | Per Month |
|---|---|---|---|
| SE 2WD | $1,398 | $699 | $117 |
| SE 4Motion | $1,430 | $715 | $119 |
| SE Technology 2WD | $1,466 | $733 | $122 |
| SE Technology 4Motion | $1,490 | $745 | $124 |
| SE Technology V6 2WD | $1,492 | $746 | $124 |
| SE Technology V6 4Motion | $1,512 | $756 | $126 |
| SEL 4Motion | $1,536 | $768 | $128 |
| SEL V6 4Motion | $1,554 | $777 | $130 |
| SEL R-Line Black 4Motion | $1,572 | $786 | $131 |
| SEL Premium R-Line V6 4Motion | $1,606 | $803 | $134 |
How does Atlas car insurance cost compare?
When compared to other popular midsize SUVs, 2023 Volkswagen Atlas insurance costs $370 less per year than the Jeep Grand Cherokee, $256 less than the Toyota Highlander, $2 more than the Ford Explorer, and $408 less than the Jeep Cherokee.
The VW Atlas ranks fifth out of 31 total vehicles in the midsize SUV category. The Atlas costs an average of $1,506 per year to insure and the segment average cost is $1,724 per year, a difference of $218 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 31 models in the 2023 midsize SUV category.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Honda Passport | $1,368 | -$138 |
| 2 | Subaru Ascent | $1,434 | -$72 |
| 3 | Ford Edge | $1,494 | -$12 |
| 4 | Ford Explorer | $1,504 | -$2 |
| 5 | Volkswagen Atlas | $1,506 | -- |
| 6 | Nissan Murano | $1,516 | $10 |
| 7 | Subaru Outback | $1,518 | $12 |
| 8 | Volkswagen Atlas Cross Sport | $1,576 | $70 |
| 9 | Toyota Venza | $1,608 | $102 |
| 10 | Kia Sorento | $1,618 | $112 |
| 11 | Hyundai Palisade | $1,638 | $132 |
| 12 | Toyota 4Runner | $1,654 | $148 |
| 13 | GMC Acadia | $1,682 | $176 |
| 14 | Chevrolet Traverse | $1,684 | $178 |
| 15 | Honda Pilot | $1,696 | $190 |
| 16 | Buick Enclave | $1,702 | $196 |
| 17 | Nissan Pathfinder | $1,712 | $206 |
| 18 | Mazda CX-9 | $1,720 | $214 |
| 19 | Mitsubishi Outlander Sport | $1,744 | $238 |
| 20 | Kia Telluride | $1,754 | $248 |
| 21 | Toyota Highlander | $1,762 | $256 |
| 22 | Chevrolet Blazer | $1,786 | $280 |
| 23 | Hyundai Santa Fe | $1,810 | $304 |
| 24 | Jeep Grand Cherokee | $1,876 | $370 |
| 25 | Jeep Cherokee | $1,914 | $408 |
| 26 | Jeep Wrangler | $1,952 | $446 |
| 27 | Ford Bronco | $1,962 | $456 |
| 28 | Tesla Model Y | $1,970 | $464 |
| 29 | Mitsubishi Outlander PHEV | $2,018 | $512 |
| 30 | Dodge Durango | $2,102 | $596 |
| 31 | Rivian R1S | $2,160 | $654 |
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 2023 model year are detailed in the prior charts and tables.
2022 Volkswagen Atlas insurance rates
Insurance rates for a 2022 Volkswagen Atlas average $1,594 per year, or $133 per month. Rates range from $1,472 per year for the Atlas SE 2WD to $1,708 for the Atlas SEL Premium R-Line V6 4Motion.
| 2022 Volkswagen Atlas Trim Level | Annual Rate | Per Month |
|---|---|---|
| SE 2WD | $1,472 | $123 |
| SE 4Motion | $1,510 | $126 |
| SE Technology 2WD | $1,550 | $129 |
| SE Technology V6 2WD | $1,576 | $131 |
| SE Technology 4Motion | $1,578 | $132 |
| SE Technology V6 4Motion | $1,604 | $134 |
| SEL 4Motion | $1,628 | $136 |
| SEL V6 4Motion | $1,650 | $138 |
| SEL R-Line 4Motion | $1,664 | $139 |
| SEL Premium R-Line V6 4Motion | $1,708 | $142 |
2021 Volkswagen Atlas insurance rates
Average insurance rates for a 2021 Volkswagen Atlas are $1,422 per year, or around $119 per month. Rates range from $1,372 per year for the Atlas 2.0 SE 2WD to $1,468 for the Atlas 2.0 SEL 2WD.
| 2021 Volkswagen Atlas Trim Level | Annual Rate | Per Month |
|---|---|---|
| 2.0 SE 2WD | $1,372 | $114 |
| 2.0 SE Tech 2WD | $1,420 | $118 |
| 2.0 S 2WD | $1,434 | $120 |
| 2.0 SEL 2WD | $1,468 | $122 |
2020 Volkswagen Atlas insurance rates
Average insurance rates for a 2020 Volkswagen Atlas are $1,402 per year, or around $117 per month. Rates range from $1,352 per year for the Atlas 2.0 SE 2WD to $1,446 for the Atlas 2.0 SEL 2WD.
| 2020 Volkswagen Atlas Trim Level | Annual Rate | Per Month |
|---|---|---|
| 2.0 SE 2WD | $1,352 | $113 |
| 2.0 SE Tech 2WD | $1,398 | $117 |
| 2.0 S 2WD | $1,414 | $118 |
| 2.0 SEL 2WD | $1,446 | $121 |
2019 Volkswagen Atlas insurance rates
Insurance rates for a 2019 Volkswagen Atlas average $1,368 per year, or about $114 per month. Rates range from $1,270 per year for the Atlas 3.6 SE 2WD to $1,532 for the Atlas 3.6 S 4Motion 4WD.
| 2019 Volkswagen Atlas Trim Level | Annual Rate | Per Month |
|---|---|---|
| 3.6 SE 2WD | $1,270 | $106 |
| 3.6 SE 4Motion 4WD | $1,316 | $110 |
| 3.6 SE 4Motion Tech Package 4WD | $1,316 | $110 |
| 3.6 SE Tech Package 2WD | $1,316 | $110 |
| 3.6 SE Tech/R-Line 2WD | $1,316 | $110 |
| 3.6 SE 4Motion Tech/R-Line 4WD | $1,364 | $114 |
| 3.6 SEL 2WD | $1,364 | $114 |
| 3.6 SEL 4Motion 4WD | $1,364 | $114 |
| 3.6 SEL R-Line 2WD | $1,364 | $114 |
| 3.6 SEL 4Motion Premium Package 4WD | $1,408 | $117 |
| 3.6 SEL 4Motion R-Line 4WD | $1,408 | $117 |
| 2.0 S Tech Package 2WD | $1,484 | $124 |
| 3.6 S 4Motion 4WD | $1,532 | $128 |
2018 Volkswagen Atlas insurance rates
2018 Volkswagen Atlas insurance rates average $1,266 per year, or around $106 per month. Cost ranges from $1,192 per year for the Atlas 2 2WD to $1,366 for the Atlas 3.6 SEL 4Motion Premium 4WD.
| 2018 Volkswagen Atlas Trim Level | Annual Rate | Per Month |
|---|---|---|
| 2 2WD | $1,192 | $99 |
| 3.6 2WD | $1,192 | $99 |
| 2.0 SE 2WD | $1,234 | $103 |
| 2.0 SE Tech 2WD | $1,234 | $103 |
| 3.6 4Motion 4WD | $1,234 | $103 |
| 3.6 Launch 2WD | $1,234 | $103 |
| 3.6 Launch 4Motion 4WD | $1,234 | $103 |
| 3.6 SE 2WD | $1,234 | $103 |
| 3.6 SE Tech 2WD | $1,280 | $107 |
| 3.6 SE Tech 4WD | $1,280 | $107 |
| 2.0 SEL 2WD | $1,302 | $109 |
| 3.6 SE 4Motion 4WD | $1,302 | $109 |
| 3.6 SEL 2WD | $1,322 | $110 |
| 3.6 SEL 4Motion 4WD | $1,322 | $110 |
| 3.6 SEL 4Motion Premium 4WD | $1,366 | $114 |
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 2023 Atlas between a 40-year-old driver ($1,506 per year) and a 20-year-old driver ($2,984 per year) is $1,478, or a savings of 65.8%.
- Lower policy costs by raising deductibles. Raising deductibles from $500 to $1,000 could save around $250 per year for a 40-year-old driver and $490 per year for a 20-year-old driver.
- Low deductibles make insurance more expensive. Decreasing deductibles from $500 to $250 could cost an additional $260 per year for a 40-year-old driver and $516 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 $2,310 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 $386 per year. Serious violations such as hit-and-run could raise rates by an additional $1,368 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 $45 and $178 on your annual car insurance cost, subject to policy limits.
