Volkswagen Passat Insurance Rates

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Melanie Musson

Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...

Published Insurance Expert

UPDATED: Feb 22, 2023

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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 $1,238 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:

Comprehensive $232
Collision $388
Liability $460

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.

Liability Only $510
Full Coverage $1,238
High Risk $2,680

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.

Rural Areas $929
Small Cities $1,300
Large Cities $1,671

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

View Chart as Image

Volkswagen Passat insurance cost comparison chart
Column chart showing full coverage Volkswagen Passat insurance prices range from $726 to $4,792

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.

Volkswagen Passat Insurance Rates by State
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%

View Chart as Image

Volkswagen Passat insurance rates by U.S. city

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

Volkswagen Passat Insurance Rates by Model and Trim Level
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.

Volkswagen Passat Insurance Rates by Model Year
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.



Rates by Driver Age

Volkswagen Passat Insurance 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

Volkswagen Passat Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,510
$250 $1,384
$500 $1,238
$1,000 $1,096

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Passat Insurance Rates with Different Liability Limits
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

Volkswagen Passat Insurance 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.

SR-22 Surcharge $171

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
Rate after discounts $726

Discounts are estimated and may not be available from every company or in every state.

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