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 rates for a Volkswagen Passat are $1,464 a year with full coverage. Comprehensive insurance costs on average $308 a year, collision insurance costs $582, and liability insurance is $416. Liability-only insurance costs around $474 a year, and high-risk driver insurance costs $3,178 or more. Teen drivers pay the most at up to $5,454 a year.
Average premium for full coverage: $1,464
Premium estimates by type of coverage:
Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and Passat trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Volkswagen Passat range from as low as $474 for a discount liability-only rate to a high of $3,178 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than larger metro areas. The diagram below illustrates the difference location can make on car insurance rates.
These rate differences demonstrate why it is important to compare rates quotes 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.
Rates by State, City, and Model
The chart below details average Volkswagen Passat insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $837
- Raising to $1,000 deductibles will save around $1,262 annually
- The average rate for a 40-year-old good driver with $500 deductibles is $1,464
- Choosing low $100 deductibles will cost an extra $392 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,178
- An auto insurance policy for full coverage for a teen driver may cost $5,454
Insurance prices for a Volkswagen Passat also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.
Older drivers with no violations or accidents and high deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay upwards of $5,400 a year. View Rates by Age
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 $1,060 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,980 on average in Florida, Michigan, and New York.
| 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% |
Choosing high deductibles can reduce prices by up to $600 each year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $375 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,400 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates
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 Find Affordable Volkswagen Passat Insurance
Finding better rates on Volkswagen Passat insurance consists of having a decent driving record, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Make time to compare rates at every other renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.
The following items are a brief review of the concepts that were touched on in this article.
- High-risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,710 more each year than a driver with a clean driving record
- 16 to 18-year-old drivers pay higher prices, possibly costing $455 per month including comprehensive and collision insurance
- You may be able to save as much as $180 per year just by quoting early and online
- Increasing policy deductibles can save around $600 each year
- You may be able to save as much as $180 per year just by quoting early and online
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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