Volkswagen Passat Insurance Rates
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UPDATED: Jun 4, 2023
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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.
U.S. average insurance rates for a Volkswagen Passat are $1,464 a year for full coverage insurance. Comprehensive insurance costs on average $308 a year, collision insurance costs $582, and liability costs $416. Liability-only insurance costs as little as $474 a year, and high-risk driver insurance costs $3,178 or more. 16-year-old drivers pay the highest rates at up to $5,454 a year.
Average premium for full coverage: $1,464
Price estimates by individual coverage:
These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and Passat trim levels.
Price Range from Low to High
For a 40-year-old driver, Volkswagen Passat insurance prices range from the low end price of $474 for basic liability insurance to a high of $3,178 for a high-risk driver policy.
Geographic Price Range
Your location can make a big difference on insurance rates. Rural areas have lower incidents of physical damage claims than congested cities. The diagram below illustrates how your location can change car insurance rates.
The ranges above illustrate why it is important to compare rates based on a specific location, instead of making a decision based on 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.
Rate Comparisons
The chart below illustrates average Volkswagen Passat insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $837
- Drivers who choose higher $1,000 deductibles will pay around $1,262 each year
- The estimated price for the average middle-age driver with $500 deductibles is $1,464
- Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $392 annually
- Drivers with multiple tickets or accidents could pay upwards of $3,178
- The price that insures a 16-year-old driver may cost $5,454 a year
Car insurance prices for a Volkswagen Passat are also quite variable based on the trim level of your Passat, your age and driving record, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,700 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy can cost from 44% to 130% more than the average rate. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged upwards of $5,400 a year. View Rates by Age
The state you live in makes a big difference in Volkswagen Passat insurance prices. A 40-year-old driver could pay as low as $960 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,980 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,324 | -$140 | -9.6% |
| Alaska | $1,124 | -$340 | -23.2% |
| Arizona | $1,216 | -$248 | -16.9% |
| Arkansas | $1,464 | -$0 | 0.0% |
| California | $1,668 | $204 | 13.9% |
| Colorado | $1,400 | -$64 | -4.4% |
| Connecticut | $1,506 | $42 | 2.9% |
| Delaware | $1,656 | $192 | 13.1% |
| Florida | $1,832 | $368 | 25.1% |
| Georgia | $1,352 | -$112 | -7.7% |
| Hawaii | $1,052 | -$412 | -28.1% |
| Idaho | $990 | -$474 | -32.4% |
| Illinois | $1,092 | -$372 | -25.4% |
| Indiana | $1,102 | -$362 | -24.7% |
| Iowa | $988 | -$476 | -32.5% |
| Kansas | $1,392 | -$72 | -4.9% |
| Kentucky | $1,998 | $534 | 36.5% |
| Louisiana | $2,168 | $704 | 48.1% |
| Maine | $902 | -$562 | -38.4% |
| Maryland | $1,208 | -$256 | -17.5% |
| Massachusetts | $1,170 | -$294 | -20.1% |
| Michigan | $2,544 | $1,080 | 73.8% |
| Minnesota | $1,224 | -$240 | -16.4% |
| Mississippi | $1,754 | $290 | 19.8% |
| Missouri | $1,300 | -$164 | -11.2% |
| Montana | $1,574 | $110 | 7.5% |
| Nebraska | $1,154 | -$310 | -21.2% |
| Nevada | $1,756 | $292 | 19.9% |
| New Hampshire | $1,056 | -$408 | -27.9% |
| New Jersey | $1,636 | $172 | 11.7% |
| New Mexico | $1,298 | -$166 | -11.3% |
| New York | $1,542 | $78 | 5.3% |
| North Carolina | $844 | -$620 | -42.3% |
| North Dakota | $1,198 | -$266 | -18.2% |
| Ohio | $1,012 | -$452 | -30.9% |
| Oklahoma | $1,502 | $38 | 2.6% |
| Oregon | $1,340 | -$124 | -8.5% |
| Pennsylvania | $1,396 | -$68 | -4.6% |
| Rhode Island | $1,954 | $490 | 33.5% |
| South Carolina | $1,326 | -$138 | -9.4% |
| South Dakota | $1,236 | -$228 | -15.6% |
| Tennessee | $1,282 | -$182 | -12.4% |
| Texas | $1,766 | $302 | 20.6% |
| Utah | $1,084 | -$380 | -26.0% |
| Vermont | $1,002 | -$462 | -31.6% |
| Virginia | $876 | -$588 | -40.2% |
| Washington | $1,132 | -$332 | -22.7% |
| West Virginia | $1,342 | -$122 | -8.3% |
| Wisconsin | $1,014 | -$450 | -30.7% |
| Wyoming | $1,304 | -$160 | -10.9% |
Opting for high physical damage deductibles could save up to $600 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volkswagen Passat Komfort Station Wagon | $1,338 | $112 |
| Volkswagen Passat Komfort 4-Dr Sedan | $1,464 | $122 |
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 | $320 | $596 | $398 | $1,472 |
| 2021 Volkswagen Passat | $308 | $582 | $416 | $1,464 |
| 2020 Volkswagen Passat | $298 | $558 | $430 | $1,444 |
| 2019 Volkswagen Passat | $282 | $538 | $442 | $1,420 |
| 2018 Volkswagen Passat | $270 | $500 | $452 | $1,380 |
| 2017 Volkswagen Passat | $260 | $470 | $456 | $1,344 |
| 2016 Volkswagen Passat | $248 | $422 | $460 | $1,288 |
| 2015 Volkswagen Passat | $232 | $388 | $460 | $1,238 |
| 2014 Volkswagen Passat | $224 | $364 | $464 | $1,210 |
| 2013 Volkswagen Passat | $220 | $340 | $474 | $1,192 |
| 2012 Volkswagen Passat | $202 | $316 | $474 | $1,150 |
| 2010 Volkswagen Passat | $184 | $262 | $474 | $1,078 |
| 2008 Volkswagen Passat | $168 | $214 | $468 | $1,008 |
| 2006 Volkswagen Passat | $162 | $198 | $452 | $970 |
| 2005 Volkswagen Passat | $148 | $190 | $446 | $942 |
| 2004 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 Cheap Volkswagen Passat Insurance
Getting lower rates on insurance for a Volkswagen Passat not only requires being a good driver, but also having a positive credit history, not filing small claims, and possibly raising deductibles. Comparison shop every time your policy renews by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The following list is a brief summary of the information illustrated above.
- It is possible to save as much as $180 per year just by quoting early and online
- Drivers age 16 to 20 are expensive to insure, as much as $455 a month if full coverage is purchased
- Increasing physical damage deductibles can save approximately $600 each year
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,710 more each year than a safer driver
- Insureds who require an increased level of liability coverage will pay around $460 annually to go from a low 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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,454 |
| 20 | $3,390 |
| 30 | $1,528 |
| 40 | $1,464 |
| 50 | $1,338 |
| 60 | $1,312 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,856 |
| $250 | $1,676 |
| $500 | $1,464 |
| $1,000 | $1,262 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,464 |
| 50/100 | $1,547 |
| 100/300 | $1,651 |
| 250/500 | $1,922 |
| 100 CSL | $1,589 |
| 300 CSL | $1,818 |
| 500 CSL | $1,984 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,792 |
| 20 | $5,400 |
| 30 | $3,250 |
| 40 | $3,178 |
| 50 | $3,032 |
| 60 | $3,004 |
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 | $78 |
| Multi-vehicle | $77 |
| Homeowner | $21 |
| 5-yr Accident Free | $110 |
| 5-yr Claim Free | $95 |
| Paid in Full/EFT | $68 |
| Advance Quote | $74 |
| Online Quote | $104 |
| Total Discounts | $627 |
Discounts are estimated and may not be available from every company or in every state.
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