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: Jun 5, 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.

Average insurance rates for a Volkswagen Passat are $1,210 a year for full coverage insurance. Comprehensive insurance costs approximately $224, collision costs $364, and liability coverage costs $464. Liability-only coverage costs as little as $514 a year, with high-risk coverage costing $2,618 or more. Teen drivers receive the highest rates at $4,704 a year or more.

Average premium for full coverage: $1,210

Rate estimates by individual coverage type:

Comprehensive $224
Collision $364
Liability $464

Rates are based on $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for different Passat trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from as low as $514 for the bare minimum liability coverage to a much higher rate of $2,618 for a high-risk driver policy.

Liability Only $514
Full Coverage $1,210
High Risk $2,618

Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than larger metro areas.

The price range example below illustrates how where you live affects auto insurance prices.

Rural Areas $908
Small Cities $1,271
Large Cities $1,634

These examples illustrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than using 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.

Additional Rate Information

The chart below illustrates estimated Volkswagen Passat insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $712
  • Drivers who choose higher $1,000 deductibles will pay $134 each year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,210
  • Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $258 each year
  • High-risk insureds with multiple violations and an at-fault accident could pay around $2,618 or more
  • The cost for full coverage for a teenage driver with full coverage can cost $4,704 a year

View Chart as Image

Volkswagen Passat insurance cost comparison chart
Column chart showing full coverage Volkswagen Passat insurance prices range from $712 to $4,704

Car insurance rates for a Volkswagen Passat can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may only pay around $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark 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 $790 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,640 on average in Florida, New York, and Michigan.

Volkswagen Passat Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,094 -$116 -9.6%
Alaska $928 -$282 -23.3%
Arizona $1,006 -$204 -16.9%
Arkansas $1,210 -$0 0.0%
California $1,380 $170 14.0%
Colorado $1,158 -$52 -4.3%
Connecticut $1,246 $36 3.0%
Delaware $1,372 $162 13.4%
Florida $1,514 $304 25.1%
Georgia $1,118 -$92 -7.6%
Hawaii $870 -$340 -28.1%
Idaho $818 -$392 -32.4%
Illinois $902 -$308 -25.5%
Indiana $912 -$298 -24.6%
Iowa $818 -$392 -32.4%
Kansas $1,152 -$58 -4.8%
Kentucky $1,652 $442 36.5%
Louisiana $1,792 $582 48.1%
Maine $746 -$464 -38.3%
Maryland $1,000 -$210 -17.4%
Massachusetts $970 -$240 -19.8%
Michigan $2,104 $894 73.9%
Minnesota $1,012 -$198 -16.4%
Mississippi $1,450 $240 19.8%
Missouri $1,074 -$136 -11.2%
Montana $1,300 $90 7.4%
Nebraska $954 -$256 -21.2%
Nevada $1,452 $242 20.0%
New Hampshire $872 -$338 -27.9%
New Jersey $1,352 $142 11.7%
New Mexico $1,072 -$138 -11.4%
New York $1,274 $64 5.3%
North Carolina $700 -$510 -42.1%
North Dakota $992 -$218 -18.0%
Ohio $834 -$376 -31.1%
Oklahoma $1,242 $32 2.6%
Oregon $1,110 -$100 -8.3%
Pennsylvania $1,154 -$56 -4.6%
Rhode Island $1,616 $406 33.6%
South Carolina $1,098 -$112 -9.3%
South Dakota $1,022 -$188 -15.5%
Tennessee $1,060 -$150 -12.4%
Texas $1,460 $250 20.7%
Utah $896 -$314 -26.0%
Vermont $830 -$380 -31.4%
Virginia $724 -$486 -40.2%
Washington $936 -$274 -22.6%
West Virginia $1,110 -$100 -8.3%
Wisconsin $840 -$370 -30.6%
Wyoming $1,080 -$130 -10.7%

View Chart as Image

Volkswagen Passat insurance rates by U.S. city

Choosing high deductibles could save up to $400 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance can cost around 43% to 129% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. Every company uses a different rate calculation, so rate quotes can be significantly 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 $1,092 $91
Volkswagen Passat Komfort 4-Dr Sedan $1,210 $101

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 $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 the Best Cheap Volkswagen Passat Insurance

Saving money on auto insurance not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and avoiding coverage lapses. Take the time to comparison shop every time your policy renews by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The next list is a quick review of the information touched on in the above illustrations.

  • It is possible to save around $140 per year simply by shopping early and online
  • Drivers age 20 and younger pay the highest auto insurance rates, costing up to $392 per month if full coverage is included
  • Increasing deductibles can save around $400 each year
  • Drivers with a DUI or reckless driving violation may pay on average $1,410 more per year to buy Volkswagen Passat insurance
  • Consumers who purchase increased levels of liability coverage will pay about $510 annually to go from a minimum limit to 250/500 limits

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 $4,704
20 $2,784
30 $1,246
40 $1,210
50 $1,108
60 $1,086

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Passat Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,468
$250 $1,348
$500 $1,210
$1,000 $1,076

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Passat Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,210
50/100 $1,303
100/300 $1,419
250/500 $1,720
100 CSL $1,349
300 CSL $1,604
500 CSL $1,790

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Passat Insurance Rates for High Risk Drivers
Age Premium
16 $6,672
20 $4,440
30 $2,658
40 $2,618
50 $2,502
60 $2,478

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 $167

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $63
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $77
Paid in Full/EFT $50
Advance Quote $57
Online Quote $84
Total Discounts $498
Rate after discounts $712

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

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