About $1,323 a year for full coverage on a national average — 8% less than the $1,438 average car. Insurers rate the Volkswagen Routan at an index of 92 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2010-2012).
The premium isn't spread evenly across the Volkswagen Routan: Property damage — damage you cause to other property — carries its highest loss index at 116, while Collision sits at 78. Those 38 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2010 Routan sells for a median $2,995, so a year of cover costs 44.2% of the car's value. Over 4 generations of data the index has climbed from 63 (2007-2009) to 92 (2010-2012). Calculated from 4 insurance-loss records and live US listing prices.
Why a Routan costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,323: Liability (BI + PD) $635 · Collision $370 · Comprehensive $159 · Other (UM / PIP) $159.
How it changed by generation
Insurance-loss index of the Routan across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The Routan has become more expensive to insure over time (+30 points).
What a Routan costs by state
Where you park matters as much as what you drive. The Routan's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Routan est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Volkswagen Routan's loss index of 92 — your own quote also depends on age, record, deductible and ZIP.
Volkswagen Routan insurance — frequently asked
How much is insurance for a Volkswagen Routan?
About $1,323 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 92 applied to the US average premium.
Why is the Routan expensive or cheap to insure?
For the Volkswagen Routan the costliest area is Property damage at an index of 116, covering damage you cause to other property — against 78 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Volkswagen Routan lands at 92, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 44.2% of what a 2010 Routan sells for — $1,323 against a median price of $2,995. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 44.2% the Routan sits on the expensive side of that trade.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same Routan can differ by hundreds between two drivers.
How we work this out
Mark ForCar as a preferred source and our data shows up first in your Google results. One click, no account.