Volkswagen Passat Insurance Rates
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Michelle Robbins
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UPDATED: Apr 26, 2024
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Are you worried about VW Passat insurance costs? Full coverage Volkswagen Passat insurance rates average $1,504, or $125 a month. Read our guide to find out how to save on Volkswagen rates.
Want to dive right into finding savings on Volkswagen Passat insurance rates? Enter your ZIP code in our free tool above.
Average insurance rates for a Volkswagen Passat are $1,444 a year for full coverage insurance. Comprehensive costs an estimated $298, collision costs $558, and liability coverage costs $430. Buying just liability costs as little as $486 a year, with insurance for high-risk drivers costing around $3,130. 16-year-old drivers receive the highest rates at $5,406 a year or more.
Average premium for full coverage: $1,444
Rate estimates broken down by individual coverage type:
Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for different Passat trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from the low end price of $486 for the bare minimum liability coverage to a much higher rate of $3,130 for coverage for higher-risk drivers.
Price Range by Location
Your location has a large influence on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than congested cities.
The price range example below illustrates how geographic area affects insurance prices.
These examples illustrate why anyone shopping for car insurance should compare rates for a targeted area, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below illustrates estimated Volkswagen Passat insurance rates for other coverage scenarios.
- The best full coverage rate is $828
- Drivers who choose higher $1,000 deductibles will pay approximately $196 each year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,444
- Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,820
- High-risk insureds with multiple tickets or accidents could pay up to $3,130 or more
- The cost that insures a teenage driver with full coverage can cost as much as $5,406 a year
Auto insurance rates for a Volkswagen Passat can also vary considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are probably paying $1,700 to $2,400 in extra premium per year, depending on your age. High-risk driver insurance can cost around 44% to 132% more than the average rate. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $5,400 a year. View Rates by Age
Where you live makes a big difference in Volkswagen Passat insurance rates. A 40-year-old driver could pay as low as $940 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,950 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,304 | -$140 | -9.7% |
| Alaska | $1,108 | -$336 | -23.3% |
| Arizona | $1,196 | -$248 | -17.2% |
| Arkansas | $1,444 | -$0 | 0.0% |
| California | $1,646 | $202 | 14.0% |
| Colorado | $1,378 | -$66 | -4.6% |
| Connecticut | $1,484 | $40 | 2.8% |
| Delaware | $1,632 | $188 | 13.0% |
| Florida | $1,804 | $360 | 24.9% |
| Georgia | $1,330 | -$114 | -7.9% |
| Hawaii | $1,036 | -$408 | -28.3% |
| Idaho | $976 | -$468 | -32.4% |
| Illinois | $1,076 | -$368 | -25.5% |
| Indiana | $1,086 | -$358 | -24.8% |
| Iowa | $972 | -$472 | -32.7% |
| Kansas | $1,372 | -$72 | -5.0% |
| Kentucky | $1,968 | $524 | 36.3% |
| Louisiana | $2,136 | $692 | 47.9% |
| Maine | $890 | -$554 | -38.4% |
| Maryland | $1,190 | -$254 | -17.6% |
| Massachusetts | $1,156 | -$288 | -19.9% |
| Michigan | $2,506 | $1,062 | 73.5% |
| Minnesota | $1,208 | -$236 | -16.3% |
| Mississippi | $1,728 | $284 | 19.7% |
| Missouri | $1,280 | -$164 | -11.4% |
| Montana | $1,550 | $106 | 7.3% |
| Nebraska | $1,138 | -$306 | -21.2% |
| Nevada | $1,728 | $284 | 19.7% |
| New Hampshire | $1,040 | -$404 | -28.0% |
| New Jersey | $1,612 | $168 | 11.6% |
| New Mexico | $1,278 | -$166 | -11.5% |
| New York | $1,520 | $76 | 5.3% |
| North Carolina | $832 | -$612 | -42.4% |
| North Dakota | $1,182 | -$262 | -18.1% |
| Ohio | $996 | -$448 | -31.0% |
| Oklahoma | $1,482 | $38 | 2.6% |
| Oregon | $1,320 | -$124 | -8.6% |
| Pennsylvania | $1,378 | -$66 | -4.6% |
| Rhode Island | $1,924 | $480 | 33.2% |
| South Carolina | $1,306 | -$138 | -9.6% |
| South Dakota | $1,218 | -$226 | -15.7% |
| Tennessee | $1,264 | -$180 | -12.5% |
| Texas | $1,740 | $296 | 20.5% |
| Utah | $1,068 | -$376 | -26.0% |
| Vermont | $988 | -$456 | -31.6% |
| Virginia | $864 | -$580 | -40.2% |
| Washington | $1,116 | -$328 | -22.7% |
| West Virginia | $1,322 | -$122 | -8.4% |
| Wisconsin | $1,000 | -$444 | -30.7% |
| Wyoming | $1,284 | -$160 | -11.1% |
Opting for high physical damage deductibles could save up to $580 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $387 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out which company is cheapest is to compare rates and see how they stack up. Every company utilizes a different rate formula, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volkswagen Passat Komfort Station Wagon | $1,316 | $110 |
| Volkswagen Passat Komfort 4-Dr Sedan | $1,444 | $120 |
Rates assume 2021 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Volkswagen Passat | $308 | $582 | $416 | $1,464 |
| 2021 Volkswagen Passat | $298 | $558 | $430 | $1,444 |
| 2020 Volkswagen Passat | $282 | $538 | $442 | $1,420 |
| 2019 Volkswagen Passat | $270 | $500 | $452 | $1,380 |
| 2018 Volkswagen Passat | $260 | $470 | $456 | $1,344 |
| 2017 Volkswagen Passat | $248 | $422 | $460 | $1,288 |
| 2016 Volkswagen Passat | $232 | $388 | $460 | $1,238 |
| 2015 Volkswagen Passat | $224 | $364 | $464 | $1,210 |
| 2014 Volkswagen Passat | $220 | $340 | $474 | $1,192 |
| 2013 Volkswagen Passat | $202 | $316 | $474 | $1,150 |
| 2012 Volkswagen Passat | $198 | $286 | $478 | $1,120 |
| 2010 Volkswagen Passat | $174 | $238 | $474 | $1,044 |
| 2008 Volkswagen Passat | $166 | $208 | $460 | $992 |
| 2006 Volkswagen Passat | $148 | $190 | $446 | $942 |
| 2005 Volkswagen Passat | $144 | $180 | $442 | $924 |
Rates are averaged for all Volkswagen Passat models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Volkswagen Passat Insurance
Saving money on auto insurance not only requires being safe and accident-free, but also maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Comparison shop at least once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below you'll find a brief recap of the primary concepts that were presented in the illustrations above.
- It is possible to save approximately $180 per year simply by shopping early and online
- Drivers who tend to receive serious violations may have to pay on average $1,690 more annually than a low-risk driver
- Increasing deductibles can save approximately $575 each year
- Youthful drivers are the costliest to insure, costing up to $451 per month if the policy includes full coverage
We want to answer a couple common questions. First, is it expensive to fix a Volkswagen Passat? The average annual repairs costs for a VW Passat is $639 ($113 higher than the midsize car average) but $13 cheaper than all cars average repair costs. So is a Volkswagen Passat a reliable car? It’s has an average record for reliability.
The Volkswagen average price of insurance depends on a driver’s driving record and age, but shopping around will help drivers save. So if you are looking for the cost of 2014 Volkswagen Passet insurance and have a poor driving record, getting quotes will help you save on 2014 Passet costs.
Enter your ZIP code in our free tool below to get started on finding Volkswagen Passat insurance costs and quotes.
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What are the safety ratings of the Volkswagen Passat?
How much does a Passat cost to insure? This answer can depend on how many safety features a VW Passat has and safety ratings. The VW Passat has great safety features: multiple airbags, brake assist, electronic stability control, blind-spot monitor, cross-traffic alert, and more.
The 2020 crash test rating of the Volkswagen Passat also showed great results. The Insurance Institute for Highway Safety (IIHS) gave the 2020 Volkswagen Passat the following ratings:
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Because good is the highest rating, the 2020 VW Passat did great. Watch the video below for an example of a crash test on the VW Passat.
Volkswagen Passat Compared Against Other Vehicles in the Same Class
The Volkswagen Passat is a midsize car, which means it isn’t likely to do significant damage to other vehicles. This can result in lower liability rates. According to the IIHS, the Volkswagen Passat has average liability losses in comparison to other midsize cars.
Take a look at the other midsize cars below to see how their rates and safety ratings compare to the Volkswagen Passat.
Ready to start comparing Volkswagen Passat insurance rates? Enter your ZIP code in our free tool.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,406 |
| 20 | $3,340 |
| 30 | $1,504 |
| 40 | $1,444 |
| 50 | $1,318 |
| 60 | $1,292 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,820 |
| $250 | $1,646 |
| $500 | $1,444 |
| $1,000 | $1,248 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,444 |
| 50/100 | $1,530 |
| 100/300 | $1,638 |
| 250/500 | $1,917 |
| 100 CSL | $1,573 |
| 300 CSL | $1,810 |
| 500 CSL | $1,982 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,718 |
| 20 | $5,320 |
| 30 | $3,198 |
| 40 | $3,130 |
| 50 | $2,990 |
| 60 | $2,964 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $77 |
| Multi-vehicle | $76 |
| Homeowner | $21 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $66 |
| Advance Quote | $72 |
| Online Quote | $103 |
| Total Discounts | $616 |
Discounts are estimated and may not be available from every company or in every state.
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