How much is insurance on a Volkswagen Atlas?

A 2024 Volkswagen Atlas runs about $1,740 a year for a typical 45-year-old, $200 less than an average car of the same age, because of lower non-crash losses, lower crash-repair losses, less damage to others' property, and fewer injury claims. Putting a new 16-year-old on a family policy with the Atlas adds about $1,150 a year (#7 of 25 midsize SUVs we compare).

2024 Volkswagen Atlas (Atlas), national average

about $1,740 a year (about $145 a month)

Estimated range: $1,300–$2,350. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2018 Atlas drops to about $1,550 (see the table below).

A Volkswagen Atlas from the 2018–2026 generation. Photo: Mr.choppers, CC BY-SA 3.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Atlas, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Atlas's rank is the same in every state.

Why the Volkswagen Atlas costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Volkswagen Atlas 4dr, on HLDI's scale where 100 is an average car and lower is better, it reports 76 for crash repairs, 69 for non-crash damage, 79 for damage to others' property, and 83 for injury claims.

Crash repairs (collision)fixing this car after a crashBetter than average24% better than average10th best of the 25 midsize SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesBetter than average31% better than average4th best of the 24 midsize SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultBetter than average21% better than average8th best of the 25 midsize SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 17% less often than average11th best of the 21 midsize SUVs we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Atlas comes out about 26% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 11% less than average: about $850 a year vs $950. On the liability side, damage to others and injury claims combine to about 19% better than average. We count about half, so that part is about 10% less: $890 a year vs $990.

How the math works

In EPA size classes, the Atlas is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Volkswagen Atlas is benchmarked against midsize SUVs.

Matched to HLDI series “Volkswagen Atlas 4dr” (HLDI, 2022–24 models).

A used Volkswagen Atlas, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Atlas (0–3 years old)	about $1,740	about $890	+$1,150	about $5,000
2022 Atlas (4–7 years old)	about $1,640	about $890	+$1,080	about $4,710
2018 Atlas (8–12 years old)	about $1,550	about $880	+$1,020	about $4,440

Our catalog covers the Volkswagen Atlas across model years 2018–2027. Full coverage on a used 2018 Atlas (8–12 years old) runs about $1,550 a year, $190 less than on a 2024. Dropping collision and comprehensive on that 2018 brings liability-only coverage to about $880 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Volkswagen Atlas trims, full coverage goes from about $1,720 a year on the Atlas 4motion Peak Edition to about $1,810 on the Atlas Cross Sport 4motion, because HLDI's loss results differ by body, drive, or powertrain.

Atlas 4motion Peak Edition; Atlas SE 4motion; Atlas SEL 4motion: about $1,720
Atlas: about $1,740
Atlas Cross Sport 4motion: about $1,810

On a policy of their own with a 2024 Volkswagen Atlas, a 22–25-year-old pays about $2,260 a year ($520 more than a 45-year-old), a 26–39-year-old about $1,930, and a driver 65 and older about $1,830.

Adding a 16-year-old with a Volkswagen Atlas

Because the Volkswagen Atlas starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,150 a year ($95 a month), $130 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $5,000 a year, about $3,850 more than sharing the family policy.

For adding a teen driver, the Volkswagen Atlas ranks 15th cheapest out of all 121 models we track. Stepping down to a used 2018 Atlas (8–12 years old) brings the teen add-on to about $1,020 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize SUVs

Among these 25 midsize SUVs, the Volkswagen Atlas is the 7th least expensive to insure. Right next to it are the Toyota 4Runner (about $1,740 a year) and the Toyota Grand Highlander (about $1,770).

Photos from Wikimedia Commons contributors. Photo credits.

What a Volkswagen Atlas costs in your state

In six sample states, a 2024 Volkswagen Atlas runs from about $1,160 a year in North Dakota through South Dakota, Alaska, Mississippi and Maryland to about $2,090 in Texas:

North Dakotaabout $1,160/yr · +$770 teen
South Dakotaabout $1,400/yr · +$930 teen
Alaskaabout $1,530/yr · +$1,010 teen
Mississippiabout $1,690/yr · +$1,110 teen
Marylandabout $1,940/yr · +$1,280 teen
Texasabout $2,090/yr · +$1,380 teen

All 50 states and DC · Updated November 5, 2026.

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