Volkswagen Passat Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 4, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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 $1,444 a year including full coverage. Comprehensive insurance costs approximately $298 each year, collision insurance costs $558, and liability is estimated at $430. Liability-only coverage costs approximately $486 a year, and high-risk coverage costs $3,130 or more. Teen drivers pay the most at up to $5,406 a year.
Average premium for full coverage: $1,444
Premium estimates by type of coverage:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Passat models.
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 $486 for your basic liability-only policy to a high rate of $3,130 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance prices.
These rate differences highlight why all drivers should get quotes using their specific location and risk profile, instead of making a decision based 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.
More Rate Information
The chart below breaks down average Volkswagen Passat insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $828
- Choosing higher $1,000 deductibles can save $196 every year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,444
- Choosing low deductibles for comp and collision coverage will cost an extra $376 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,130
- An auto insurance policy for full coverage for a 16-year-old driver can cost $5,406 each year
Insurance prices for a Volkswagen Passat also have a wide range based on your driving characteristics, the model of your Passat, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $5,400 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Volkswagen Passat insurance prices. A good driver about age 40 could pay as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,060 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing high deductibles can save as much as $580 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $387 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,400 extra annually, depending on your age. Insurance for high-risk drivers ranges from 44% to 132% 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 | $1,316 | $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.
| 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
Finding better rates on insurance for a Volkswagen Passat takes avoiding accidents and violations, maintaining good credit, refrain from filing small claims, and possibly raising deductibles. Make time to compare rates at every other renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The list below is a brief recap of the concepts that were touched on in this article.
- Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,690 more per year for car insurance
- Teenagers are expensive to insure, with the cost nearing $451 per month for full coverage
- You may be able to save around $180 per year just by quoting online in advance
- Increasing policy deductibles can save around $575 each year
- You may be able to save around $180 per year just by quoting online in advance
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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 | $5,406 |
| 20 | $3,340 |
| 30 | $1,504 |
| 40 | $1,444 |
| 50 | $1,318 |
| 60 | $1,292 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,820 |
| $250 | $1,646 |
| $500 | $1,444 |
| $1,000 | $1,248 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
