Volkswagen Passat Insurance Rates
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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.
Estimated insurance prices for a Volkswagen Passat are $1,464 every 12 months for full coverage insurance. Comprehensive insurance costs around $308 each year, collision costs $582, and liability coverage is $416. Liability-only coverage costs around $474 a year, with high-risk coverage costing $3,178 or more. Teen drivers pay the most at $5,454 a year or more.
Average premium for full coverage: $1,464
Premium estimates for type of coverage:
Price estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Passat models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Volkswagen Passat go from the cheapest price of $474 for a discount liability-only rate to a high rate of $3,178 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than larger metro areas.
The graphic below illustrates how where you live affects auto insurance rates.
These rate differences illustrate why all drivers should compare rates quotes for a specific zip code 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 illustrates estimated Volkswagen Passat insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $837
- Raising to $1,000 deductibles will save about $202 each year
- The average price for a 40-year-old good driver using $500 deductibles is $1,464
- Choosing low deductibles costs an extra $392 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $3,178 or more
- An auto insurance policy to insure a teenage driver can be $5,454
Insurance prices for a Volkswagen Passat also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.
Choosing high deductibles can reduce prices by up to $600 a year, whereas increasing liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $375 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay as much as $5,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at least $1,700 to $2,400 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 130% more than average. View High Risk Driver Rates
Where you choose to live also has a big influence on Volkswagen Passat insurance rates. A middle-age driver might find prices as low as $960 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $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% |
With such a large range in prices, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, so the prices will be substantially different.
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 Shop for Cheaper Volkswagen Passat Insurance
Finding better rates on auto insurance consists of being a low-risk driver, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to comparison shop at every policy renewal by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.
The items below are a condensed summary of the data touched on in the above illustrations.
- Consumers who may need more liability coverage will pay about $460 annually to raise from 30/60 bodily injury limits to a 250/500 level
- It is possible to save up to $180 per year simply by quoting online in advance
- Increasing policy deductibles could save as much as $600 each year
- Teen drivers pay higher prices, with premiums being up to $455 per month if they have 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 | $5,454 |
| 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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