Volkswagen Passat Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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Volkswagen Passat insurance

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 including full coverage. Comprehensive insurance costs an estimated $298 each year, collision costs $558, and liability costs around $430. A policy with just liability insurance costs as low as $486 a year, with coverage for high-risk drivers costing $3,130 or more. Teenage 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:

Comprehensive $298
Collision $558
Liability $430

Prices include $500 deductible amounts, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Passat models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from the low end price of $486 for liability-only coverage to a high rate of $3,130 for a high-risk insurance policy.

Liability Only $486
Full Coverage $1,444
High Risk $3,130

Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference location can make on insurance prices.

Rural Areas $1,083
Small Cities $1,516
Large Cities $1,949

These examples highlight why all drivers should compare prices for a targeted area, instead of making a decision based on average rates.

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 Charts and Tables

The chart below breaks down estimated Volkswagen Passat insurance rates for other coverage scenarios.

  • The best discount rate is $828
  • Using higher $1,000 deductibles will save approximately $196 every year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,444
  • Using low deductibles for physical damage coverage will cost an additional $376 annually
  • High-risk insureds who are prone to accidents and violations could pay up to $3,130 or more
  • The cost that insures a 16-year-old driver can cost as much as $5,406 or more

View Chart as Image

Volkswagen Passat insurance cost comparison chart
Column chart showing full coverage Volkswagen Passat insurance prices range from $828 to $5,406

Insurance rates for a Volkswagen Passat can also vary considerably based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,700 to $2,400 additional per year, depending on your age. Insurance for high-risk drivers can be from 44% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,400 a year. View Rates by Age

Where you live has a huge impact on Volkswagen Passat insurance prices. A driver around age 40 might see rates as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,060 on average in Louisiana, New York, and Michigan.

Volkswagen Passat Insurance Rates by State
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%

View Chart as Image

Volkswagen Passat insurance rates by U.S. city

Using high physical damage deductibles could cut rates by as much as $580 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $387 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, and rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Volkswagen Passat Insurance Rates by Model and Trim Level
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.

Volkswagen Passat Insurance Rates by Model Year
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 Right Volkswagen Passat Insurance

Saving money on insurance for a Volkswagen Passat requires having a good driving record, having a good credit score, not filing small claims, and maximizing policy discounts. Compare prices at least every other year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The next list is a quick rundown of the car insurance concepts touched on in this article.

  • Drivers considered higher risk with reckless driving or DUI convictions could be charged and average of $1,690 more annually to buy Volkswagen Passat insurance
  • You may be able to save approximately $180 per year simply by quoting online in advance
  • Increasing deductibles can save approximately $575 each year
  • Insureds who want increased levels of liability coverage will pay an extra $470 per year to increase from a minimum limit to the 250/500 level

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

  1. https://www.iihs.org/ratings/vehicle/volkswagen/passat-4-door-sedan/2020

Rates by Driver Age

Volkswagen Passat Insurance 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

Volkswagen Passat Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,820
$250 $1,646
$500 $1,444
$1,000 $1,248

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Passat Insurance Rates with Different Liability Limits
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

Volkswagen Passat Insurance 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.

SR-22 Surcharge $204

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
Rate after discounts $828

Discounts are estimated and may not be available from every company or in every state.

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