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: Apr 26, 2024

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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.

U.S. average insurance rates for a Volkswagen Passat are $1,444 a year for full coverage. Comprehensive insurance costs around $298 a year, collision costs $558, and liability is estimated at $430. Liability-only coverage costs approximately $486 a year, with high-risk coverage costing $3,130 or more. Teens pay the highest rates at $5,406 a year or more.

Average premium for full coverage: $1,444

Price estimates for individual coverage:

Comprehensive $298
Collision $558
Liability $430

Includes $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Passat trim levels.

Price Range from Low to High

For the average 40-year-old driver, Volkswagen Passat insurance prices go from as low as $486 for a discount liability-only rate to a high of $3,130 for a high-risk insurance policy.

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

Geographic Price Range

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on auto insurance rates.

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

The ranges above show why it is important to get quotes for a specific zip code and risk profile, instead of using averaged prices.

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 shows estimated Volkswagen Passat insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $828
  • Choosing higher $1,000 deductibles can save about $1,248 a year
  • The average rate for the average middle-age driver using $500 deductibles is $1,444
  • Selecting low $100 deductibles for comp and collision coverage will cost an extra $376 every year
  • Unlucky drivers with serious driving violations could pay at least $3,130 or more
  • The price for full coverage for a teen driver can be $5,406 each year

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

Auto insurance prices for a Volkswagen Passat are also quite variable based on your driving record, the trim level of your Passat, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles may pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $5,400 a year. View Rates by Age

The state you live in plays a big part in determining prices for Volkswagen Passat insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,060 on average in Michigan, Louisiana, 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

Choosing higher comprehensive and collision insurance deductibles can save as much as $580 every year, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $387 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,700 to $2,400 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 132% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to know your exact price is to get quotes and see which company has the best price. Each auto insurer calculates prices differently, and quoted prices may be quite different from one company to the next.

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 Cheapest Volkswagen Passat Insurance

Getting lower rates on car insurance takes being a safe and courteous driver, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Make time to compare rates at least every other year by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

Below is a recap of the car insurance concepts touched on in this article.

  • Higher risk drivers that have major violations or accidents may be required to pay an average of $1,690 more every year for auto insurance
  • Drivers can save up to $180 per year simply by quoting early and online
  • Increasing physical damage deductibles can save around $575 each year
  • Policyholders who may need higher levels of liability will pay approximately $470 each year to raise limits from a low limit to 250/500 limits

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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