Volkswagen Passat Insurance Rates

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UPDATED: Jun 4, 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 $1,444 a year for full coverage insurance. Comprehensive costs on average $298, collision insurance costs $558, and liability is $430. A policy with just liability insurance costs around $486 a year, and coverage for high-risk drivers costs around $3,130. Teens pay the highest rates at up to $5,406 a year.

Average premium for full coverage: $1,444

Price estimates by individual coverage:

Comprehensive $298
Collision $558
Liability $430

Rate estimates include $500 deductible amounts, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Passat models.

Price Range from Low to High

Using a middle-aged driver as an example, Volkswagen Passat insurance prices range from the low end price of $486 for just liability coverage to the much higher price of $3,130 for high-risk insurance.

Liability Only $486
Full Coverage $1,444
High Risk $3,130

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas have lower incidents of physical damage claims than cities with more traffic congestion. The example below illustrates how where you live affects car insurance rates.

Rural Areas $1,083
Small Cities $1,516
Large Cities $1,949

The ranges above illustrate why everyone should compare rates quotes based on a specific location, instead of making a decision based on averaged prices.

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.

Detailed Rate Analysis

The chart below illustrates average Volkswagen Passat insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $828
  • Raising to $1,000 deductibles will save around $196 each year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,444
  • Selecting pricier low deductibles bumps up the cost to $1,820
  • Drivers with serious driving violations could pay upwards of $3,130
  • The price that insures a 16-year-old driver for full coverage may cost $5,406

View Chart as Image

Volkswagen Passat insurance cost comparison chart
Column chart showing Volkswagen Passat insurance rates range from $828 to $5,406 for full coverage

Insurance prices for a Volkswagen Passat are also quite variable based on the model of your Passat, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,700 to $2,400 extra each year, depending on your age. Volkswagen Passat insurance for high-risk drivers is expensive and can cost from 44% to 132% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $5,400 a year. View Rates by Age

The state you live in also has a big influence on Volkswagen Passat insurance prices. A middle-age driver might find prices as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,950 on average in Michigan, New York, and Florida.

Volkswagen Passat Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,304 -$140 -9.7%
Alaska $1,108 -$336 -23.3%
Arizona $1,196 -$248 -17.2%
Arkansas $1,444 -$0 0.0%
California $1,646 $202 14.0%
Colorado $1,378 -$66 -4.6%
Connecticut $1,484 $40 2.8%
Delaware $1,632 $188 13.0%
Florida $1,804 $360 24.9%
Georgia $1,330 -$114 -7.9%
Hawaii $1,036 -$408 -28.3%
Idaho $976 -$468 -32.4%
Illinois $1,076 -$368 -25.5%
Indiana $1,086 -$358 -24.8%
Iowa $972 -$472 -32.7%
Kansas $1,372 -$72 -5.0%
Kentucky $1,968 $524 36.3%
Louisiana $2,136 $692 47.9%
Maine $890 -$554 -38.4%
Maryland $1,190 -$254 -17.6%
Massachusetts $1,156 -$288 -19.9%
Michigan $2,506 $1,062 73.5%
Minnesota $1,208 -$236 -16.3%
Mississippi $1,728 $284 19.7%
Missouri $1,280 -$164 -11.4%
Montana $1,550 $106 7.3%
Nebraska $1,138 -$306 -21.2%
Nevada $1,728 $284 19.7%
New Hampshire $1,040 -$404 -28.0%
New Jersey $1,612 $168 11.6%
New Mexico $1,278 -$166 -11.5%
New York $1,520 $76 5.3%
North Carolina $832 -$612 -42.4%
North Dakota $1,182 -$262 -18.1%
Ohio $996 -$448 -31.0%
Oklahoma $1,482 $38 2.6%
Oregon $1,320 -$124 -8.6%
Pennsylvania $1,378 -$66 -4.6%
Rhode Island $1,924 $480 33.2%
South Carolina $1,306 -$138 -9.6%
South Dakota $1,218 -$226 -15.7%
Tennessee $1,264 -$180 -12.5%
Texas $1,740 $296 20.5%
Utah $1,068 -$376 -26.0%
Vermont $988 -$456 -31.6%
Virginia $864 -$580 -40.2%
Washington $1,116 -$328 -22.7%
West Virginia $1,322 -$122 -8.4%
Wisconsin $1,000 -$444 -30.7%
Wyoming $1,284 -$160 -11.1%

View Chart as Image

Volkswagen Passat insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $580 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $387 more per year. View Rates by Deductible or Liability Limit

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 $1,316 $110
Volkswagen Passat Komfort 4-Dr Sedan $1,444 $120

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.

Volkswagen Passat Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2022 Volkswagen Passat $308 $582 $416 $1,464
2021 Volkswagen Passat $298 $558 $430 $1,444
2020 Volkswagen Passat $282 $538 $442 $1,420
2019 Volkswagen Passat $270 $500 $452 $1,380
2018 Volkswagen Passat $260 $470 $456 $1,344
2017 Volkswagen Passat $248 $422 $460 $1,288
2016 Volkswagen Passat $232 $388 $460 $1,238
2015 Volkswagen Passat $224 $364 $464 $1,210
2014 Volkswagen Passat $220 $340 $474 $1,192
2013 Volkswagen Passat $202 $316 $474 $1,150
2012 Volkswagen Passat $198 $286 $478 $1,120
2010 Volkswagen Passat $174 $238 $474 $1,044
2008 Volkswagen Passat $166 $208 $460 $992
2006 Volkswagen Passat $148 $190 $446 $942
2005 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 Volkswagen Passat Insurance

Getting lower rates on insurance for a Volkswagen Passat consists of having a good driving record, having above-average credit, not filing small claims, and determing if full coverage is necessary. Compare rates every couple of years by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a brief recap of the material that was touched on in the above illustrations.

  • Insureds who require increased levels of liability coverage will pay approximately $470 annually to raise from a low limit to the 250/500 level
  • Drivers age 20 and younger pay the highest prices, as much as $451 a month if full coverage is included
  • Drivers considered higher risk who tend to receive serious violations may pay on average $1,690 more each year to buy Volkswagen Passat insurance
  • Increasing physical damage deductibles can save approximately $575 each year

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

  1. https://www.iihs.org/ratings/vehicle/volkswagen/passat-4-door-sedan/2020

Rates by Driver Age

Volkswagen Passat Insurance Rates by Driver Age
Driver Age Premium
16 $5,406
20 $3,340
30 $1,504
40 $1,444
50 $1,318
60 $1,292

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Passat Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,820
$250 $1,646
$500 $1,444
$1,000 $1,248

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Passat Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,444
50/100 $1,530
100/300 $1,638
250/500 $1,917
100 CSL $1,573
300 CSL $1,810
500 CSL $1,982

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Passat Insurance Rates for High Risk Drivers
Age Premium
16 $7,718
20 $5,320
30 $3,198
40 $3,130
50 $2,990
60 $2,964

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 $204

Potential Rate Discounts

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

Discount Savings
Multi-policy $77
Multi-vehicle $76
Homeowner $21
5-yr Accident Free $107
5-yr Claim Free $94
Paid in Full/EFT $66
Advance Quote $72
Online Quote $103
Total Discounts $616
Rate after discounts $828

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

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