- Volkswagen Atlas insurance costs an average of $1,472 per year or around $123 per month, depending on the trim level.
- The cheapest VW Atlas insurance is on the SE 2WD trim level at an estimated $1,358 per year. The most expensive is the SEL Premium R-Line V6 4Motion at $1,580 annually.
- When compared to the entire midsize SUV segment, insurance rates for the 2022 VW Atlas rank near the top of the pack at #10 out of 29 total comparison vehicles.
How much does Volkswagen Atlas insurance cost?
Volkswagen Atlas insurance costs an average of $1,472 annually for full coverage, or around $123 a month. Drivers can expect to pay about $72 less each year for Volkswagen Atlas insurance when compared to the average rate for all midsize SUVs, and $95 less per year than the overall all-vehicle national average of $1,567.
Average car insurance monthly payments range from $113 to $132, 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 $1,094 per year for a driver age 60 with $1,000 comprehensive and collision deductibles to a high policy cost of $3,446 annually for a 20-year-old driver with low physical damage deductibles.
The insurance rates above shows 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 rates range from an average rate for a 20-year-old driver of $2,924 to the average rate for a 60-year-old driver of $1,316.
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 $5,118 while a 16-year-old female would pay about $4,498.
What is the cheapest insurance on a VW Atlas?
With Volkswagen Atlas insurance rates ranging from $1,358 to $1,580 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 $1,394 per year.
The priciest trim levels of Volkswagen Atlas to insure are the SEL Premium R-Line V6 4Motion at $1,580 and the SEL R-Line 4Motion at $1,538 per year. Those will cost an extra $222 and $180 per year, respectively, over the lowest cost SE 2WD model.
Plan on paying in the range of $113 to $132 per month to insure a Atlas for full coverage. This amount can fluctuate significantly, however, based on driver 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 2022 Volkswagen Atlas trim levels.
| Volkswagen Atlas Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| SE 2WD | $1,358 | $679 | $113 |
| SE 4Motion | $1,394 | $697 | $116 |
| SE Technology 2WD | $1,432 | $716 | $119 |
| SE Technology V6 2WD | $1,456 | $728 | $121 |
| SE Technology 4Motion | $1,460 | $730 | $122 |
| SE Technology V6 4Motion | $1,482 | $741 | $124 |
| SEL 4Motion | $1,506 | $753 | $126 |
| SEL V6 4Motion | $1,524 | $762 | $127 |
| SEL R-Line 4Motion | $1,538 | $769 | $128 |
| SEL Premium R-Line V6 4Motion | $1,580 | $790 | $132 |
How does Atlas car insurance cost compare?
When compared to other popular midsize SUVs, 2022 Volkswagen Atlas insurance costs $208 less per year than the Jeep Grand Cherokee, $62 less than the Toyota Highlander, $38 more than the Ford Explorer, and $220 less than the Jeep Cherokee.
The VW Atlas ranks #10 out of 29 total vehicles in the midsize SUV category. The Atlas costs an average of $1,472 per year to insure and the segment average cost is $1,544 per year, a difference of $72 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 29 models in the 2022 midsize SUV category.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Honda Passport | $1,224 | -$248 |
| 2 | Subaru Ascent | $1,310 | -$162 |
| 3 | Ford Edge | $1,374 | -$98 |
| 4 | Subaru Outback | $1,398 | -$74 |
| 5 | Nissan Murano | $1,416 | -$56 |
| 6 | Toyota Venza | $1,424 | -$48 |
| 7 | Ford Explorer | $1,434 | -$38 |
| 8 | Kia Sorento | $1,444 | -$28 |
| 9 | Hyundai Palisade | $1,462 | -$10 |
| 10 | Volkswagen Atlas | $1,472 | -- |
| 11 | Toyota 4Runner | $1,488 | $16 |
| 12 | Volkswagen Atlas Cross Sport | $1,528 | $56 |
| 13 | Mazda CX-9 | $1,530 | $58 |
| 14 | GMC Acadia | $1,532 | $60 |
| 15 | Toyota Highlander | $1,534 | $62 |
| 16 | Nissan Pathfinder | $1,540 | $68 |
| 17 | Honda Pilot | $1,546 | $74 |
| 18 | Mitsubishi Outlander Sport | $1,548 | $76 |
| 19 | Buick Enclave | $1,562 | $90 |
| 20 | Chevrolet Traverse | $1,568 | $96 |
| 21 | Hyundai Santa Fe | $1,590 | $118 |
| 22 | Kia Telluride | $1,596 | $124 |
| 23 | Chevrolet Blazer | $1,610 | $138 |
| 24 | Jeep Grand Cherokee | $1,680 | $208 |
| 25 | Jeep Cherokee | $1,692 | $220 |
| 26 | Mitsubishi Outlander PHEV | $1,768 | $296 |
| 27 | Dodge Durango | $1,788 | $316 |
| 28 | Tesla Model Y | $1,804 | $332 |
| 29 | Rivian R1S | $1,902 | $430 |
Volkswagen Atlas prior model year insurance rates
The following sections detail VW Atlas insurance rates for every trim level for the 2018 to 2021 model years. Rates for the 2022 model year are detailed in the prior charts and tables.
How much is insurance on a 2021 VW Atlas?
Average insurance rates for a 2021 Volkswagen Atlas are $1,306 per year, or around $109 per month. Rates range from $1,260 per year for the Atlas 2.0 SE 2WD to $1,348 for the Atlas 2.0 SEL 2WD.
| 2021 Volkswagen Atlas Trim Level | Annual Rate | Per Month |
|---|---|---|
| 2.0 SE 2WD | $1,260 | $105 |
| 2.0 SE Tech 2WD | $1,304 | $109 |
| 2.0 S 2WD | $1,316 | $110 |
| 2.0 SEL 2WD | $1,348 | $112 |
How much is 2020 Atlas car insurance?
Average insurance rates for a 2020 Volkswagen Atlas are $1,280 per year, or around $107 per month. Rates range from $1,234 per year for the Atlas 2.0 SE 2WD to $1,322 for the Atlas 2.0 SEL 2WD.
| 2020 Volkswagen Atlas Trim Level | Annual Rate | Per Month |
|---|---|---|
| 2.0 SE 2WD | $1,234 | $103 |
| 2.0 SE Tech 2WD | $1,278 | $107 |
| 2.0 S 2WD | $1,290 | $108 |
| 2.0 SEL 2WD | $1,322 | $110 |
How much does 2019 VW Atlas insurance cost?
Insurance rates for a 2019 Volkswagen Atlas average $1,266 per year, or about $106 per month. Rates range from $1,172 per year for the Atlas 3.6 SE 2WD to $1,408 for the Atlas 3.6 S 4Motion 4WD.
| 2019 Volkswagen Atlas Trim Level | Annual Rate | Per Month |
|---|---|---|
| 3.6 SE 2WD | $1,172 | $98 |
| 3.6 SE 4Motion 4WD | $1,216 | $101 |
| 3.6 SE 4Motion Tech Package 4WD | $1,216 | $101 |
| 3.6 SE Tech Package 2WD | $1,216 | $101 |
| 3.6 SE Tech/R-Line 2WD | $1,216 | $101 |
| 3.6 SE 4Motion Tech/R-Line 4WD | $1,258 | $105 |
| 3.6 SEL 2WD | $1,258 | $105 |
| 3.6 SEL 4Motion 4WD | $1,258 | $105 |
| 3.6 SEL R-Line 2WD | $1,258 | $105 |
| 3.6 SEL 4Motion Premium Package 4WD | $1,300 | $108 |
| 3.6 SEL 4Motion R-Line 4WD | $1,300 | $108 |
| 2.0 S Tech Package 2WD | $1,366 | $114 |
| 3.6 S 4Motion 4WD | $1,408 | $117 |
What does 2018 Volkswagen Atlas auto insurance cost?
2018 Volkswagen Atlas insurance rates average $1,170 per year, or around $98 per month. Cost ranges from $1,102 per year for the Atlas 2 2WD to $1,266 for the Atlas 3.6 SEL 4Motion Premium 4WD.
| 2018 Volkswagen Atlas Trim Level | Annual Rate | Per Month |
|---|---|---|
| 2 2WD | $1,102 | $92 |
| 3.6 2WD | $1,102 | $92 |
| 2.0 SE 2WD | $1,142 | $95 |
| 2.0 SE Tech 2WD | $1,142 | $95 |
| 3.6 4Motion 4WD | $1,142 | $95 |
| 3.6 Launch 2WD | $1,142 | $95 |
| 3.6 Launch 4Motion 4WD | $1,142 | $95 |
| 3.6 SE 2WD | $1,142 | $95 |
| 3.6 SE Tech 2WD | $1,184 | $99 |
| 3.6 SE Tech 4WD | $1,184 | $99 |
| 2.0 SEL 2WD | $1,204 | $100 |
| 3.6 SE 4Motion 4WD | $1,204 | $100 |
| 3.6 SEL 2WD | $1,224 | $102 |
| 3.6 SEL 4Motion 4WD | $1,224 | $102 |
| 3.6 SEL 4Motion Premium 4WD | $1,266 | $106 |
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 2022 Atlas between a 40-year-old driver ($1,472 per year) and a 20-year-old driver ($2,924 per year) is $1,452, or a savings of 49.7%.
- Lower policy cost by raising deductibles. Raising deductibles from $500 to $1,000 could save around $250 per year for a 40-year-old driver and $494 per year for a 20-year-old driver.
- Low deductibles makes insurance more expensive. Decreasing deductibles from $500 to $250 could cost an additional $264 per year for a 40-year-old driver and $522 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 $2,260 or more per year.
- Obey driving laws to keep policy cost 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 cost by up to $380 per year. Serious violations such as hit-and-run could raise rates by an additional $1,338 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 $44 and $159 on your annual car insurance cost, subject to policy limits.
