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 prices for a Volkswagen Passat are $1,444 every 12 months with full coverage. Comprehensive insurance costs on average $298, collision insurance costs $558, and liability coverage costs around $430. Liability-only coverage costs as low as $486 a year, and high-risk coverage costs $3,130 or more. Teen drivers receive the highest rates at up to $5,406 a year.

Average premium for full coverage: $1,444

Rate estimates by individual coverage type:

Comprehensive $298
Collision $558
Liability $430

Includes $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for all Passat models.

Price Range by Coverage and Risk

For an average driver, prices range range from the cheapest price of $486 for a discount liability-only rate to the much higher price 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 has a large influence on auto insurance rates. Rural areas tend to have more infrequent collision claims than larger metro areas. The example below illustrates the effect of geographic area on car insurance rates.

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

These examples demonstrate why everyone should compare prices based on a specific location and their own driving history, rather than using price 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.

Rates by State, City, and Model

The chart below details average Volkswagen Passat insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $828
  • Using higher $1,000 deductibles will save around $196 annually
  • The average price for a 40-year-old driver with $500 deductibles is $1,444
  • Choosing pricier low deductibles for physical damage coverage costs an extra $376 each year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,130
  • The cost to insure a teenage driver for full coverage may cost $5,406 or more

View Chart as Image

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

Car insurance rates for a Volkswagen Passat can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your Passat.

Choosing high deductibles could cut rates by as much as $580 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $387 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may only pay around $1,300 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged upwards of $5,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,700 to $2,400 extra per year, depending on your age. Volkswagen Passat insurance for high-risk drivers can be around 44% to 132% more than average. View High Risk Driver Rates

Where you live has a huge impact on Volkswagen Passat insurance rates. A driver around age 40 might see rates as low as $1,040 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,950 on average in Florida, Michigan, and New York.

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

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 Shop for the Cheapest Volkswagen Passat Insurance

Saving money on auto insurance requires avoiding accidents and claims, maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at least every other year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a recap of the car insurance concepts covered in the above illustrations.

  • Drivers that have major violations or accidents may pay on average $1,690 more each year to insure a Volkswagen Passat
  • You may be able to save as much as $180 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles could save as much as $575 each year
  • Consumers who require increased liability limits will pay about $470 every year to increase from a minimum limit to a 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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