Volkswagen Passat Insurance Rates
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UPDATED: Jun 4, 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.
The average insurance rates for a Volkswagen Passat are $1,464 a year for full coverage insurance. Comprehensive costs on average $308, collision insurance costs $582, and liability costs around $416. Buying just liability costs as low as $474 a year, and insurance for high-risk drivers costs around $3,178. Teens cost the most to insure at up to $5,454 a year.
Average premium for full coverage: $1,464
Policy rates by type of insurance:
Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Passat trim levels.
Price Range Variability
For the average 40-year-old driver, Volkswagen Passat insurance rates range from as low as $474 for minimum levels of liability insurance to a much higher rate of $3,178 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live can have significant affects on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on car insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of using 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.
Additional Rate Details
The chart below illustrates average Volkswagen Passat insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $837
- Using higher $1,000 deductibles will save around $202 each year
- The average rate for a good driver age 40 with $500 deductibles is $1,464
- Selecting more expensive low deductibles for physical damage coverage will increase the cost to $1,856
- Drivers with serious driving violations could pay upwards of $3,178
- Policy cost for full coverage for a teen driver with full coverage may cost $5,454 or more
Insurance rates for a Volkswagen Passat also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.
An older driver with a clean driving record and high deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $5,400 a year. View Rates by Age
Your home state has a huge impact on Volkswagen Passat insurance prices. A driver around age 40 might see rates as low as $960 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,980 on average in Michigan, New York, and Florida.
| 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 higher comprehensive and collision insurance deductibles could cut rates by as much as $600 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $375 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance can be as much as 44% to 130% more than the average policy. 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 Low Cost Volkswagen Passat Insurance
Finding cheaper rates on car insurance requires being a safe and courteous driver, maintaining good credit, being claim-free, and determing if full coverage is necessary. Make time to compare rates every other policy renewal by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
Below is a review of the ideas that were touched on in this article.
- Teenage drivers pay the highest rates, possibly costing $455 each month for full coverage
- Higher risk drivers who have several accidents or serious violations pay an average of $1,710 more each year for auto insurance
- Increasing comprehensive and collision deductibles can save around $600 each year
- It is possible to save as much as $180 per year just by shopping 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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