Volkswagen Passat Insurance Rates
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UPDATED: Feb 22, 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 $1,238 a year with full coverage. Comprehensive insurance costs an estimated $232 each year, collision costs $388, and liability costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing $2,680 or more. 16-year-old drivers pay the highest rates at $4,792 a year or more.
Average premium for full coverage: $1,238
Price estimates broken down by individual coverage:
Price estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Passat models.
Price Range from Low to High
Using a 40-year-old driver as an example, Volkswagen Passat insurance prices go from as low as $510 for a discount liability-only rate to a high rate of $2,680 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live can make a big difference on car insurance rates. More rural locations have a lower frequency of collision claims than congested cities.
The graphic below illustrates how rural and urban location affects insurance prices.
The ranges above demonstrate why all drivers should compare prices for a targeted area and risk profile, 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.
Rates by State, City, and Model
The chart below details estimated Volkswagen Passat insurance rates for other coverage scenarios.
- The best full coverage rate is $726
- Using higher $1,000 deductibles will save approximately $142 annually
- The average rate for the average middle-age driver who has $500 deductibles is $1,238
- Buying low deductibles for physical damage coverage will cost an extra $272 annually
- High-risk insureds with multiple tickets or accidents could pay up to $2,680 or more
- The price for full coverage for a 16-year-old driver can cost as much as $4,792 or more
Auto insurance prices for a Volkswagen Passat are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.
More mature drivers with a good driving record and high deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay at least $4,700 a year. View Rates by Age
The state you live in has a huge impact on Volkswagen Passat insurance prices. A driver around age 40 might see prices as low as $890 a year in states like Utah, Ohio, and New Hampshire, or at least $1,670 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,120 | -$118 | -9.5% |
| Alaska | $950 | -$288 | -23.3% |
| Arizona | $1,030 | -$208 | -16.8% |
| Arkansas | $1,238 | -$0 | 0.0% |
| California | $1,412 | $174 | 14.1% |
| Colorado | $1,184 | -$54 | -4.4% |
| Connecticut | $1,274 | $36 | 2.9% |
| Delaware | $1,402 | $164 | 13.2% |
| Florida | $1,548 | $310 | 25.0% |
| Georgia | $1,142 | -$96 | -7.8% |
| Hawaii | $890 | -$348 | -28.1% |
| Idaho | $838 | -$400 | -32.3% |
| Illinois | $922 | -$316 | -25.5% |
| Indiana | $932 | -$306 | -24.7% |
| Iowa | $836 | -$402 | -32.5% |
| Kansas | $1,176 | -$62 | -5.0% |
| Kentucky | $1,690 | $452 | 36.5% |
| Louisiana | $1,832 | $594 | 48.0% |
| Maine | $766 | -$472 | -38.1% |
| Maryland | $1,022 | -$216 | -17.4% |
| Massachusetts | $992 | -$246 | -19.9% |
| Michigan | $2,152 | $914 | 73.8% |
| Minnesota | $1,036 | -$202 | -16.3% |
| Mississippi | $1,482 | $244 | 19.7% |
| Missouri | $1,098 | -$140 | -11.3% |
| Montana | $1,330 | $92 | 7.4% |
| Nebraska | $978 | -$260 | -21.0% |
| Nevada | $1,484 | $246 | 19.9% |
| New Hampshire | $894 | -$344 | -27.8% |
| New Jersey | $1,386 | $148 | 12.0% |
| New Mexico | $1,098 | -$140 | -11.3% |
| New York | $1,304 | $66 | 5.3% |
| North Carolina | $714 | -$524 | -42.3% |
| North Dakota | $1,014 | -$224 | -18.1% |
| Ohio | $856 | -$382 | -30.9% |
| Oklahoma | $1,272 | $34 | 2.7% |
| Oregon | $1,136 | -$102 | -8.2% |
| Pennsylvania | $1,182 | -$56 | -4.5% |
| Rhode Island | $1,654 | $416 | 33.6% |
| South Carolina | $1,122 | -$116 | -9.4% |
| South Dakota | $1,046 | -$192 | -15.5% |
| Tennessee | $1,086 | -$152 | -12.3% |
| Texas | $1,492 | $254 | 20.5% |
| Utah | $916 | -$322 | -26.0% |
| Vermont | $846 | -$392 | -31.7% |
| Virginia | $742 | -$496 | -40.1% |
| Washington | $960 | -$278 | -22.5% |
| West Virginia | $1,136 | -$102 | -8.2% |
| Wisconsin | $858 | -$380 | -30.7% |
| Wyoming | $1,106 | -$132 | -10.7% |
Opting for high physical damage deductibles could cut prices by as much as $420 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers can be from 44% to 135% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, and quoted prices may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volkswagen Passat Komfort Station Wagon | $1,118 | $93 |
| Volkswagen Passat Komfort 4-Dr Sedan | $1,238 | $103 |
Rates assume 2014 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 |
|---|---|---|---|---|
| 2018 Volkswagen Passat | $282 | $538 | $442 | $1,420 |
| 2017 Volkswagen Passat | $270 | $500 | $452 | $1,380 |
| 2016 Volkswagen Passat | $260 | $470 | $456 | $1,344 |
| 2015 Volkswagen Passat | $248 | $422 | $460 | $1,288 |
| 2014 Volkswagen Passat | $232 | $388 | $460 | $1,238 |
| 2013 Volkswagen Passat | $224 | $364 | $464 | $1,210 |
| 2012 Volkswagen Passat | $220 | $340 | $474 | $1,192 |
| 2010 Volkswagen Passat | $198 | $286 | $478 | $1,120 |
| 2008 Volkswagen Passat | $174 | $238 | $474 | $1,044 |
| 2006 Volkswagen Passat | $166 | $208 | $460 | $992 |
| 2005 Volkswagen Passat | $162 | $198 | $452 | $970 |
| 2004 Volkswagen Passat | $148 | $190 | $446 | $942 |
| 2003 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 Cheaper Volkswagen Passat Insurance
Getting lower rates on insurance for a Volkswagen Passat requires being a low-risk driver, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around once a year by obtaining price quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The items below are a condensed summary of the data that was raised in the charts and tables above.
- You may be able to save approximately $150 per year simply by quoting online in advance
- Insureds who want more liability coverage will pay around $510 every year to increase from a low limit to 250/500 limits
- Teen drivers are the costliest to insure, costing up to $399 a month if they have full coverage
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,440 more annually to insure their Passat
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 | $4,792 |
| 20 | $2,854 |
| 30 | $1,278 |
| 40 | $1,238 |
| 50 | $1,134 |
| 60 | $1,112 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,510 |
| $250 | $1,384 |
| $500 | $1,238 |
| $1,000 | $1,096 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,238 |
| 50/100 | $1,330 |
| 100/300 | $1,445 |
| 250/500 | $1,744 |
| 100 CSL | $1,376 |
| 300 CSL | $1,629 |
| 500 CSL | $1,813 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,800 |
| 20 | $4,546 |
| 30 | $2,724 |
| 40 | $2,680 |
| 50 | $2,562 |
| 60 | $2,538 |
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 | $65 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $85 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $52 |
| Advance Quote | $59 |
| Online Quote | $86 |
| Total Discounts | $512 |
Discounts are estimated and may not be available from every company or in every state.
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