Volkswagen Passat Insurance Rates
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Written by
Melanie Musson |
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.
Average insurance rates for a Volkswagen Passat are $1,238 a year for full coverage. Comprehensive costs on average $232 a year, collision costs $388, and liability insurance costs $460. A liability-only policy costs as little as $510 a year, with high-risk insurance costing around $2,680. Teen drivers receive the highest rates at $4,792 a year or more.
Average premium for full coverage: $1,238
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Passat trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $510 for only liability insurance to a high of $2,680 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on 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.
Insurance Rate Analysis
The chart below shows estimated Volkswagen Passat insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $726
- Drivers who choose higher $1,000 deductibles will pay around $1,096 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,238
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,510
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,680 or more
- The cost for full coverage for a teen driver may cost $4,792 a year
for a Volkswagen Passat can also vary considerably based on your driver profile, the trim level of your Passat, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,700 a year. View Rates by Age
Where you live makes a big difference in Volkswagen Passat insurance rates. A 40-year-old driver could pay as low as $820 a year in states like Idaho, Maine, and Iowa, or as much as $1,770 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing high deductibles could save up to $420 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $414 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 135% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly 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
Saving money on Volkswagen Passat insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $425 each year
- Drivers can save as much as $150 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $510 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $399 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,440 more each year for insurance
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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