2021 Volkswagen Atlas Cross Sport Cost to Own

Total 5-Year Ownership Costs

Atlas Cross Sport SUV

S 4dr SUV AWD (2.0L 4cyl Turbo 8A)

True Cost to Own

$42,468*

Total Cash Price

$35,891

SE 4dr SUV AWD (2.0L 4cyl Turbo 8A)

True Cost to Own

$44,281*

Total Cash Price

$39,717

SE 4dr SUV (2.0L 4cyl Turbo 8A)

True Cost to Own

$42,779*

Total Cash Price

$37,658

S 4dr SUV (2.0L 4cyl Turbo 8A)

True Cost to Own

$40,681*

Total Cash Price

$33,893

SE w/Technology R-Line 4dr SUV AWD (3.6L 6cyl 8A)

True Cost to Own

$47,461*

Total Cash Price

$46,579

SE w/Technology R-Line 4dr SUV (3.6L 6cyl 8A)

True Cost to Own

$45,740*

Total Cash Price

$44,621

SEL 4dr SUV AWD (2.0L 4cyl Turbo 8A)

True Cost to Own

$48,252*

Total Cash Price

$45,996

SEL 4dr SUV AWD (3.6L 6cyl 8A)

True Cost to Own

$47,677*

Total Cash Price

$47,306

SE w/Technology 4dr SUV AWD (2.0L 4cyl Turbo 8A)

True Cost to Own

$46,199*

Total Cash Price

$42,643

SE w/Technology 4dr SUV (2.0L 4cyl Turbo 8A)

True Cost to Own

$44,197*

Total Cash Price

$40,212

SE w/Technology 4dr SUV AWD (3.6L 6cyl 8A)

True Cost to Own

$46,747*

Total Cash Price

$45,061

SE w/Technology 4dr SUV (3.6L 6cyl 8A)

True Cost to Own

$44,921*

Total Cash Price

$43,148

SEL Premium 4dr SUV AWD (3.6L 6cyl 8A)

True Cost to Own

$50,759*

Total Cash Price

$52,654

SEL Premium R-Line 4dr SUV AWD (3.6L 6cyl 8A)

True Cost to Own

$51,928*

Total Cash Price

$54,658

SEL 4dr SUV (3.6L 6cyl 8A)

True Cost to Own

$46,474*

Total Cash Price

$45,923

SEL R-Line 4dr SUV (3.6L 6cyl 8A)

True Cost to Own

$46,938*

Total Cash Price

$47,267

SEL R-Line 4dr SUV AWD (3.6L 6cyl 8A)

True Cost to Own

$49,155*

Total Cash Price

$49,595

SEL Premium 4dr SUV AWD (2.0L 4cyl Turbo 8A)

True Cost to Own

$51,267*

Total Cash Price

$50,687

Ownership Costs: 5-Year Total

Depreciation

$16,194

Taxes & Fees

$1,668

Financing

$2,515

Fuel

$12,673

Insurance

$4,027

Repairs

$1,240

Maintenance

$4,151

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Atlas Cross Sport SUV S 4dr SUV AWD (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$751$777$804$833$862$4,027
Maintenance$53$471$493$1,123$2,011$4,151
Repairs$0$0$0$489$751$1,240
Taxes & Fees$1,484$46$46$46$46$1,668
Financing$883$699$508$313$112$2,515
Depreciation$4,201$2,921$2,761$3,242$3,069$16,194
Fuel$2,387$2,459$2,532$2,608$2,687$12,673
True Cost to Own®$9,759$7,373$7,144$8,654$9,538$42,468

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Atlas Cross Sport SUV SE 4dr SUV AWD (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$751$777$804$833$862$4,027
Maintenance$53$471$493$1,123$2,011$4,151
Repairs$0$0$0$489$751$1,240
Taxes & Fees$1,636$46$46$46$46$1,820
Financing$977$773$563$347$123$2,783
Depreciation$4,285$3,238$3,065$3,593$3,406$17,587
Fuel$2,387$2,459$2,532$2,608$2,687$12,673
True Cost to Own®$10,089$7,764$7,503$9,039$9,886$44,281

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Atlas Cross Sport SUV SE 4dr SUV (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$730$756$782$809$838$3,915
Maintenance$53$382$493$1,030$2,086$4,044
Repairs$0$0$0$445$683$1,128
Taxes & Fees$1,554$46$46$46$46$1,738
Financing$926$733$534$329$117$2,639
Depreciation$3,655$3,161$2,990$3,511$3,325$16,642
Fuel$2,387$2,459$2,532$2,608$2,687$12,673
True Cost to Own®$9,305$7,537$7,377$8,778$9,782$42,779

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Atlas Cross Sport SUV S 4dr SUV (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$730$756$782$809$838$3,915
Maintenance$53$382$493$1,030$2,086$4,044
Repairs$0$0$0$445$683$1,128
Taxes & Fees$1,404$46$46$46$46$1,588
Financing$834$660$480$296$105$2,375
Depreciation$3,260$2,847$2,694$3,162$2,995$14,958
Fuel$2,387$2,459$2,532$2,608$2,687$12,673
True Cost to Own®$8,668$7,150$7,027$8,396$9,440$40,681

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Atlas Cross Sport SUV SE w/Technology R-Line 4dr SUV AWD (3.6L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$849$879$909$941$974$4,552
Maintenance$53$465$487$1,112$2,005$4,122
Repairs$0$0$0$433$664$1,097
Taxes & Fees$1,910$46$46$46$46$2,094
Financing$1,146$907$660$406$145$3,264
Depreciation$3,943$4,036$3,819$4,480$4,242$20,520
Fuel$2,225$2,292$2,360$2,431$2,504$11,812
True Cost to Own®$10,126$8,625$8,281$9,849$10,580$47,461

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Atlas Cross Sport SUV SE w/Technology R-Line 4dr SUV (3.6L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$849$879$909$941$974$4,552
Maintenance$53$376$487$1,019$2,080$4,015
Repairs$0$0$0$388$596$984
Taxes & Fees$1,832$46$46$46$46$2,016
Financing$1,098$868$633$389$139$3,127
Depreciation$3,907$3,873$3,665$4,300$4,073$19,818
Fuel$2,115$2,178$2,244$2,311$2,380$11,228
True Cost to Own®$9,854$8,220$7,984$9,394$10,288$45,740

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Atlas Cross Sport SUV SEL 4dr SUV AWD (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$751$777$804$833$862$4,027
Maintenance$53$471$493$1,123$2,011$4,151
Repairs$0$0$0$489$751$1,240
Taxes & Fees$1,887$46$46$46$46$2,071
Financing$1,132$895$652$401$143$3,223
Depreciation$5,350$3,779$3,575$4,193$3,970$20,867
Fuel$2,387$2,459$2,532$2,608$2,687$12,673
True Cost to Own®$11,560$8,427$8,102$9,693$10,470$48,252

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Atlas Cross Sport SUV SEL 4dr SUV AWD (3.6L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$849$879$909$941$974$4,552
Maintenance$53$465$487$1,112$2,005$4,122
Repairs$0$0$0$433$664$1,097
Taxes & Fees$1,939$46$46$46$46$2,123
Financing$1,164$921$670$413$147$3,315
Depreciation$4,244$3,997$3,779$4,435$4,201$20,656
Fuel$2,225$2,292$2,360$2,431$2,504$11,812
True Cost to Own®$10,474$8,600$8,251$9,811$10,541$47,677

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Atlas Cross Sport SUV SE w/Technology 4dr SUV AWD (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$751$777$804$833$862$4,027
Maintenance$53$471$493$1,123$2,011$4,151
Repairs$0$0$0$489$751$1,240
Taxes & Fees$1,753$46$46$46$46$1,937
Financing$1,049$830$605$372$132$2,988
Depreciation$5,025$3,447$3,261$3,825$3,625$19,183
Fuel$2,387$2,459$2,532$2,608$2,687$12,673
True Cost to Own®$11,018$8,030$7,741$9,296$10,114$46,199

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Atlas Cross Sport SUV SE w/Technology 4dr SUV (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$730$756$782$809$838$3,915
Maintenance$53$382$493$1,030$2,086$4,044
Repairs$0$0$0$445$683$1,128
Taxes & Fees$1,656$46$46$46$46$1,840
Financing$989$783$570$351$125$2,818
Depreciation$3,904$3,379$3,196$3,748$3,552$17,779
Fuel$2,387$2,459$2,532$2,608$2,687$12,673
True Cost to Own®$9,719$7,805$7,619$9,037$10,017$44,197

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Atlas Cross Sport SUV SE w/Technology 4dr SUV AWD (3.6L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$849$879$909$941$974$4,552
Maintenance$53$465$487$1,112$2,005$4,122
Repairs$0$0$0$433$664$1,097
Taxes & Fees$1,849$46$46$46$46$2,033
Financing$1,109$877$638$393$140$3,157
Depreciation$4,187$3,844$3,638$4,265$4,040$19,974
Fuel$2,225$2,292$2,360$2,431$2,504$11,812
True Cost to Own®$10,272$8,403$8,078$9,621$10,373$46,747

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Atlas Cross Sport SUV SE w/Technology 4dr SUV (3.6L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$849$879$909$941$974$4,552
Maintenance$53$376$487$1,019$2,080$4,015
Repairs$0$0$0$388$596$984
Taxes & Fees$1,773$46$46$46$46$1,957
Financing$1,061$840$612$376$134$3,023
Depreciation$3,924$3,711$3,509$4,117$3,901$19,162
Fuel$2,115$2,178$2,244$2,311$2,380$11,228
True Cost to Own®$9,775$8,030$7,807$9,198$10,111$44,921

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Atlas Cross Sport SUV SEL Premium 4dr SUV AWD (3.6L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$849$879$909$941$974$4,552
Maintenance$53$465$487$1,112$2,005$4,122
Repairs$0$0$0$433$664$1,097
Taxes & Fees$2,152$46$46$46$46$2,336
Financing$1,295$1,025$747$459$163$3,689
Depreciation$4,854$4,455$4,214$4,944$4,684$23,151
Fuel$2,225$2,292$2,360$2,431$2,504$11,812
True Cost to Own®$11,428$9,162$8,763$10,366$11,040$50,759

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Atlas Cross Sport SUV SEL Premium R-Line 4dr SUV AWD (3.6L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$849$879$909$941$974$4,552
Maintenance$53$465$487$1,112$2,005$4,122
Repairs$0$0$0$433$664$1,097
Taxes & Fees$2,232$46$46$46$46$2,416
Financing$1,345$1,064$774$477$170$3,830
Depreciation$5,052$4,638$4,389$5,146$4,874$24,099
Fuel$2,225$2,292$2,360$2,431$2,504$11,812
True Cost to Own®$11,756$9,384$8,965$10,586$11,237$51,928

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Atlas Cross Sport SUV SEL 4dr SUV (3.6L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$849$879$909$941$974$4,552
Maintenance$53$376$487$1,019$2,080$4,015
Repairs$0$0$0$388$596$984
Taxes & Fees$1,884$46$46$46$46$2,068
Financing$1,130$894$651$400$143$3,218
Depreciation$4,992$3,752$3,551$4,168$3,946$20,409
Fuel$2,115$2,178$2,244$2,311$2,380$11,228
True Cost to Own®$11,023$8,125$7,888$9,273$10,165$46,474

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Atlas Cross Sport SUV SEL R-Line 4dr SUV (3.6L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$849$879$909$941$974$4,552
Maintenance$53$376$487$1,019$2,080$4,015
Repairs$0$0$0$388$596$984
Taxes & Fees$1,937$46$46$46$46$2,121
Financing$1,163$920$670$412$147$3,312
Depreciation$3,684$4,148$3,926$4,606$4,362$20,726
Fuel$2,115$2,178$2,244$2,311$2,380$11,228
True Cost to Own®$9,801$8,547$8,282$9,723$10,585$46,938

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Atlas Cross Sport SUV SEL R-Line 4dr SUV AWD (3.6L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$849$879$909$941$974$4,552
Maintenance$53$465$487$1,112$2,005$4,122
Repairs$0$0$0$433$664$1,097
Taxes & Fees$2,030$46$46$46$46$2,214
Financing$1,220$965$703$433$154$3,475
Depreciation$4,576$4,213$3,986$4,679$4,429$21,883
Fuel$2,225$2,292$2,360$2,431$2,504$11,812
True Cost to Own®$10,953$8,860$8,491$10,075$10,776$49,155

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Atlas Cross Sport SUV SEL Premium 4dr SUV AWD (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$849$879$909$941$974$4,552
Maintenance$53$471$493$1,123$2,011$4,151
Repairs$0$0$0$489$751$1,240
Taxes & Fees$2,073$46$46$46$46$2,257
Financing$1,247$987$718$442$158$3,552
Depreciation$5,871$4,133$3,907$4,588$4,343$22,842
Fuel$2,387$2,459$2,532$2,608$2,687$12,673
True Cost to Own®$12,480$8,975$8,605$10,237$10,970$51,267

*Based on a 5-year estimate with 15,000 miles driven per year.

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True Cost To Own®

Edmunds.com's True Cost to Own® (TCO®) is proprietary data that helps you estimate the total five-year cost of buying and owning a vehicle — including some items you may not have taken into consideration. A benefit of using our TCO® tool is that you can easily compare the five-year totals for different vehicles and make a more informed choice.

The components of TCO® are depreciation, interest on financing, taxes and fees, insurance premiums, fuel, maintenance, repairs and any federal tax credit that may be available. In order to estimate certain mileage-dependent costs, we assume that vehicles will be driven 15,000 miles per year. For a used vehicle, we calculate the years the vehicle has been driven using the nominal difference between the current calendar year and the vehicle's model year, and assume that it was driven 15,000 miles during each of those years.

Note that TCO® is a comparative tool, not a predictive tool — your actual five-year cost of owning a particular vehicle will vary depending on your personal circumstances, such as your driving history and the number of miles you drive.

How We Calculate True Cost to Own®

The True Cost to Own® calculations use the following set of assumptions:

  • Ownership expenses are estimated for a five-year period
  • You will drive 15,000 miles per year
  • You are financing the vehicle using traditional financing, not lease financing
  • You have an above-average credit rating for the purpose of determining your finance rate
  • You are making a 10% down payment on the vehicle at purchase
  • Your loan term is 60 months

Using proprietary formulas, we calculate the five-year costs for the seven cost categories that make up the TCO® (depreciation, insurance, financing, taxes & fees, fuel, maintenance and repairs). We also take into account any applicable federal tax credit.

Explanation of True Cost to Own® Terms

Total Cash Price

For new vehicles, the Total Cash Price displayed is the vehicle's True Market Value® (TMV®) price plus typically equipped options, destination charge, base tax and fees assessed by your state, and, if applicable, gas guzzler tax; less any widely available manufacturer-to-customer cash rebates. (However, we do not account for other types of cash rebates or incentives because of the variability of those offers and their eligibility requirements.) For used vehicles, the Total Cash Price shown is the sum of the vehicle's Private Party TMV® price in "clean" condition plus typically equipped options, and base tax and fees assessed by your state.

Depreciation

This is the amount by which the value of a vehicle declines from its purchase price to its estimated resale value. The purchase price employed is the vehicle's Total Cash Price, minus any taxes and fees included in that amount. We estimate the resale value assuming the vehicle will be in "clean" condition, will be driven 15,000 miles per year, and will be sold to a private party.

Insurance

This is the estimated average annual insurance premium in your state. The premium has been determined based on annual premium data for defined driver profiles and coverages (liability, comprehensive and collision) from a major national insurer. While this information is specific to vehicle make, model, model year and body type, your personal information is not taken into consideration and could greatly alter the actual premium quoted by an insurer. Factors that will affect your rate include your age, marital status, credit history, driving record, and the garaging address of your vehicle.

Financing

This is the interest expense on a loan in the amount of the Total Cash Price, assuming a 10% down payment and a loan term of 60 months. The interest rate used is the prevailing rate that banks and other direct automotive lenders are currently charging consumers in your geographic region who have above average credit scores.

Note: Even if you do not finance your vehicle, the inclusion of financing cost in determining True Cost to Own® is still appropriate because it reflects the estimated "opportunity cost" (i.e., the amount you may earn) if you invest the Purchase Price instead of using it to purchase the vehicle.

Taxes & Fees

This consists of the base sales (or use) taxes, license and registration fees in your state, and gas guzzler tax if applicable. These taxes and fees are often based on a percentage of the purchase price, and generally decrease as the vehicle ages and loses its value.

Note: the state sales/use tax rate that we use includes the average local and county taxes assessed in that state.

Fuel

This expense is based on the revised EPA mileage ratings, assuming consumption consists of 45% highway and 55% city driving and that the vehicle is equipped with the transmission that is standard equipment for that vehicle. Cost estimates are based on the current one-year moving average of self-service prices in your state, using regular unleaded gasoline for vehicles whose manufacturers require regular; premium unleaded gasoline for vehicles whose manufacturers recommend or require premium; or diesel fuel for diesel vehicles.

Maintenance

This is the estimated expense of the two types of maintenance: scheduled and unscheduled. Scheduled maintenance is the performance of factory-recommended items at periodic mileage and/or calendar intervals. Unscheduled maintenance includes wheel alignment and the replacement of items such as the battery, brakes, headlamps, hoses, exhaust system parts, taillight/turn signal bulbs, tires and wiper blades/inserts. Estimated tire replacement costs are supplied to Edmunds.com by The Tire Rack, Inc.

Repairs

This is the estimated expense for repairs not covered by the vehicle manufacturer's warranties over the five years from the date of purchase, assuming 15,000 miles are driven annually. We estimate this expense based on the cost of a typical "zero deductible" extended warranty for the vehicle, minus the estimated amount of that cost that consists of the warranty provider's overhead and profit.

Federal Tax Credits

This is the tax credit that is provided for under the Energy Policy Act of 2005. A tax credit is subtracted directly from the total amount of federal tax you owe. The tax credit is for electric fuel vehicles.

The credit is only available to the original purchaser of a new, qualifying vehicle, and is subject to certain "phase out" rules that we take into consideration when computing TCO®. If a qualifying vehicle is leased to a consumer, the leasing company may claim the credit.


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Build Your Atlas Cross Sport
At a Glance:
  • 8 Colors
  • 8 Trims
  • $30,855starting MSRP

Edmunds Insurance Estimator

The Edmunds TCO® estimated monthly insurance payment for a 2021 Volkswagen Atlas Cross Sport in Virginia is:

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