2020 Volkswagen Atlas Cost to Own

Total 5-Year Ownership Costs

Atlas SUV

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

True Cost to Own

$41,491*

Total Cash Price

$30,081

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

True Cost to Own

$44,947*

Total Cash Price

$38,754

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

True Cost to Own

$49,081*

Total Cash Price

$44,529

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

True Cost to Own

$42,076*

Total Cash Price

$34,264

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

True Cost to Own

$46,060*

Total Cash Price

$37,784

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

True Cost to Own

$46,135*

Total Cash Price

$40,499

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

True Cost to Own

$47,156*

Total Cash Price

$41,952

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

True Cost to Own

$42,994*

Total Cash Price

$35,816

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

True Cost to Own

$50,218*

Total Cash Price

$44,954

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

True Cost to Own

$42,708*

Total Cash Price

$35,477

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

True Cost to Own

$47,855*

Total Cash Price

$43,019

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

True Cost to Own

$46,278*

Total Cash Price

$40,422

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

True Cost to Own

$51,869*

Total Cash Price

$48,236

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

True Cost to Own

$46,686*

Total Cash Price

$37,328

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

True Cost to Own

$44,196*

Total Cash Price

$33,674

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

True Cost to Own

$45,376*

Total Cash Price

$40,259

Ownership Costs: 5-Year Total

Depreciation

$13,655

Taxes & Fees

$1,412

Financing

$5,469

Fuel

$11,335

Insurance

$4,552

Repairs

$1,128

Maintenance

$3,940

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Atlas 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$849$879$909$941$974$4,552
Maintenance$62$394$506$1,046$1,932$3,940
Repairs$0$0$0$445$683$1,128
Taxes & Fees$1,248$41$41$41$41$1,412
Financing$1,871$1,511$1,124$706$257$5,469
Depreciation$2,111$2,811$2,659$3,120$2,954$13,655
Fuel$2,135$2,199$2,265$2,333$2,403$11,335
True Cost to Own®$8,276$7,835$7,504$8,632$9,244$41,491

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Atlas 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$62$196$431$673$1,036$2,398
Repairs$0$0$0$388$596$984
Taxes & Fees$1,593$41$41$41$41$1,757
Financing$2,410$1,947$1,448$910$330$7,045
Depreciation$3,329$3,549$3,358$3,939$3,731$17,906
Fuel$1,941$1,999$2,059$2,121$2,185$10,305
True Cost to Own®$10,184$8,611$8,246$9,013$8,893$44,947

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Atlas 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$62$286$431$766$931$2,476
Repairs$0$0$0$433$664$1,097
Taxes & Fees$1,823$41$41$41$41$1,987
Financing$2,769$2,237$1,664$1,045$380$8,095
Depreciation$3,838$4,073$3,855$4,520$4,283$20,569
Fuel$1,941$1,999$2,059$2,121$2,185$10,305
True Cost to Own®$11,282$9,515$8,959$9,867$9,458$49,081

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Atlas SUV S 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$62$286$431$766$931$2,476
Repairs$0$0$0$433$664$1,097
Taxes & Fees$1,414$41$41$41$41$1,578
Financing$2,131$1,721$1,280$805$292$6,229
Depreciation$2,941$3,140$2,971$3,486$3,301$15,839
Fuel$1,941$1,999$2,059$2,121$2,185$10,305
True Cost to Own®$9,338$8,066$7,691$8,593$8,388$42,076

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Atlas SUV SEL 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$849$879$909$941$974$4,552
Maintenance$62$394$506$1,046$1,932$3,940
Repairs$0$0$0$445$683$1,128
Taxes & Fees$1,555$41$41$41$41$1,719
Financing$2,350$1,898$1,411$888$322$6,869
Depreciation$2,421$3,432$3,247$3,809$3,608$16,517
Fuel$2,135$2,199$2,265$2,333$2,403$11,335
True Cost to Own®$9,372$8,843$8,379$9,503$9,963$46,060

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Atlas 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$62$196$431$673$1,036$2,398
Repairs$0$0$0$388$596$984
Taxes & Fees$1,663$41$41$41$41$1,827
Financing$2,519$2,034$1,513$951$345$7,362
Depreciation$3,583$3,680$3,486$4,087$3,871$18,707
Fuel$1,941$1,999$2,059$2,121$2,185$10,305
True Cost to Own®$10,617$8,829$8,439$9,202$9,048$46,135

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Atlas 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$62$286$431$766$931$2,476
Repairs$0$0$0$433$664$1,097
Taxes & Fees$1,721$41$41$41$41$1,885
Financing$2,609$2,107$1,568$985$358$7,627
Depreciation$3,671$3,784$3,579$4,201$3,979$19,214
Fuel$1,941$1,999$2,059$2,121$2,185$10,305
True Cost to Own®$10,853$9,096$8,587$9,488$9,132$47,156

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Atlas SUV SE 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$62$286$431$766$931$2,476
Repairs$0$0$0$433$664$1,097
Taxes & Fees$1,476$41$41$41$41$1,640
Financing$2,227$1,800$1,338$841$305$6,511
Depreciation$3,013$3,261$3,087$3,622$3,430$16,413
Fuel$1,941$1,999$2,059$2,121$2,185$10,305
True Cost to Own®$9,568$8,266$7,865$8,765$8,530$42,994

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Atlas 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$62$286$431$766$931$2,476
Repairs$0$0$0$433$664$1,097
Taxes & Fees$1,840$41$41$41$41$2,004
Financing$2,796$2,258$1,679$1,056$383$8,172
Depreciation$5,359$3,957$3,745$4,391$4,160$21,612
Fuel$1,941$1,999$2,059$2,121$2,185$10,305
True Cost to Own®$12,847$9,420$8,864$9,749$9,338$50,218

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Atlas SUV SE 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$62$196$431$673$1,036$2,398
Repairs$0$0$0$388$596$984
Taxes & Fees$1,463$41$41$41$41$1,627
Financing$2,206$1,783$1,325$833$302$6,449
Depreciation$3,032$3,253$3,078$3,611$3,419$16,393
Fuel$1,941$1,999$2,059$2,121$2,185$10,305
True Cost to Own®$9,553$8,151$7,843$8,608$8,553$42,708

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Atlas 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$62$196$431$673$1,036$2,398
Repairs$0$0$0$388$596$984
Taxes & Fees$1,763$41$41$41$41$1,927
Financing$2,675$2,161$1,608$1,010$367$7,821
Depreciation$4,149$3,826$3,621$4,247$4,025$19,868
Fuel$1,941$1,999$2,059$2,121$2,185$10,305
True Cost to Own®$11,439$9,102$8,669$9,421$9,224$47,855

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Atlas 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$62$286$431$766$931$2,476
Repairs$0$0$0$433$664$1,097
Taxes & Fees$1,660$41$41$41$41$1,824
Financing$2,514$2,030$1,511$949$344$7,348
Depreciation$3,494$3,696$3,498$4,102$3,886$18,676
Fuel$1,941$1,999$2,059$2,121$2,185$10,305
True Cost to Own®$10,520$8,931$8,449$9,353$9,025$46,278

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Atlas 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$62$286$431$766$931$2,476
Repairs$0$0$0$433$664$1,097
Taxes & Fees$1,971$41$41$41$41$2,135
Financing$3,000$2,423$1,802$1,133$411$8,769
Depreciation$3,950$4,523$4,282$5,023$4,757$22,535
Fuel$1,941$1,999$2,059$2,121$2,185$10,305
True Cost to Own®$11,773$10,151$9,524$10,458$9,963$51,869

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Atlas 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$849$879$909$941$974$4,552
Maintenance$62$394$506$1,046$1,932$3,940
Repairs$0$0$0$445$683$1,128
Taxes & Fees$1,536$41$41$41$41$1,700
Financing$2,321$1,876$1,394$877$318$6,786
Depreciation$3,347$3,384$3,203$3,755$3,556$17,245
Fuel$2,135$2,199$2,265$2,333$2,403$11,335
True Cost to Own®$10,250$8,773$8,318$9,438$9,907$46,686

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Atlas 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$849$879$909$941$974$4,552
Maintenance$62$394$506$1,046$1,932$3,940
Repairs$0$0$0$445$683$1,128
Taxes & Fees$1,391$41$41$41$41$1,555
Financing$2,094$1,692$1,258$791$287$6,122
Depreciation$2,849$3,096$2,929$3,436$3,254$15,564
Fuel$2,135$2,199$2,265$2,333$2,403$11,335
True Cost to Own®$9,380$8,301$7,908$9,033$9,574$44,196

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Atlas 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$62$196$431$673$1,036$2,398
Repairs$0$0$0$388$596$984
Taxes & Fees$1,653$41$41$41$41$1,817
Financing$2,504$2,022$1,504$945$344$7,319
Depreciation$2,746$3,715$3,513$4,123$3,904$18,001
Fuel$1,941$1,999$2,059$2,121$2,185$10,305
True Cost to Own®$9,755$8,852$8,457$9,232$9,080$45,376

*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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At a Glance:
  • 8 Colors
  • 8 Trims
  • $31,555starting MSRP

Edmunds Insurance Estimator

The Edmunds TCO® estimated monthly insurance payment for a 2020 Volkswagen Atlas in Virginia is:

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