Volkswagen Passat Insurance Rates
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Michelle Robbins
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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.
Average insurance prices for a Volkswagen Passat are $1,444 every 12 months including full coverage. Comprehensive costs approximately $298, collision costs $558, and liability costs around $430. A liability-only policy costs as low as $486 a year, with high-risk insurance costing around $3,130. Teens receive the highest rates at $5,406 a year or more.
Average premium for full coverage: $1,444
Rate estimates by individual coverage type:
Includes $500 deductible amounts, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for different Passat trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from the cheapest price of $486 for your basic liability-only policy to a much higher rate of $3,130 for coverage for higher-risk drivers.
Price Range by Location
Where you live can have significant affects on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates how location impacts auto insurance prices.
These examples highlight why anyone shopping for car insurance should compare prices using their specific location and their own driving history, 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.
More Rate Information
The chart below breaks down estimated Volkswagen Passat insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $828
- Using higher $1,000 deductibles will save $196 every year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,444
- Selecting more expensive low deductibles for physical damage coverage increases the price to $1,820
- Drivers with serious driving violations could pay around $3,130 or more
- The cost to insure a teen driver with full coverage can cost $5,406 or more
Insurance rates for a Volkswagen Passat can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Passat.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $580 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $387 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay in the ballpark of $5,400 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,400 extra per year, depending on your age. High-risk driver insurance can be as much as 44% to 132% more than the average policy. View High Risk Driver Rates
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 have to pay at least $2,060 on average in Louisiana, New York, and Michigan.
| 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% |
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to compare rates and see which company has the best rate. Each insurance company calculates rates differently, so the rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 car insurance requires having a good driving record, having good credit, not filing small claims, and maximizing policy discounts. Spend time shopping around at least once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.
The next list is a recap of the primary concepts that were touched on above.
- You may be able to save around $180 per year simply by shopping early and online
- Higher risk drivers that have major violations or accidents could be charged and average of $1,690 more per year to buy Volkswagen Passat insurance
- Increasing deductibles could save as much as $575 each year
- Drivers age 20 and younger are expensive to insure, as much as $451 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 | $5,406 |
| 20 | $3,340 |
| 30 | $1,504 |
| 40 | $1,444 |
| 50 | $1,318 |
| 60 | $1,292 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,820 |
| $250 | $1,646 |
| $500 | $1,444 |
| $1,000 | $1,248 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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