Volkswagen Passat Insurance Rates
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UPDATED: Jun 5, 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 $1,210 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:
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.
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.
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
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.
| 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% |
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
| 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.
| 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.
References
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,468 |
| $250 | $1,348 |
| $500 | $1,210 |
| $1,000 | $1,076 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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