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.
Estimated auto insurance rates for a Volkswagen Passat are $1,464 annually including full coverage. Comprehensive costs around $308 a year, collision costs $582, and liability insurance costs $416. A policy with only liability insurance costs as little as $474 a year, with a high-risk policy costing around $3,178. Teens pay the most at $5,454 a year or more.
Average premium for full coverage: $1,464
Premium estimates for type of coverage:
Prices include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Passat trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Volkswagen Passat go from as cheap as $474 for your basic liability-only policy to a high of $3,178 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates how where you live affects auto insurance rates.
These rate differences highlight why it is important to compare rates for a specific zip code and their own personal driving habits, rather than relying 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.
More Rate Information
The chart below breaks down estimated Volkswagen Passat insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $837
- Drivers who choose higher $1,000 deductibles will pay about $1,262 every year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,464
- Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,856
- High risk drivers with serious driving violations could pay at least $3,178 or more
- An auto insurance policy with full coverage for a teen driver can be $5,454 a year
Car insurance prices for a Volkswagen Passat also have a wide range based on the model of your Passat, your driving characteristics, and deductibles and policy limits.
Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged as much as $5,400 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at least $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $600 each year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $375 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Volkswagen Passat insurance rates. A 40-year-old driver could pay as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,090 on average in Michigan, New York, and Louisiana.
| 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% |
With such a large range in prices, the best way to figure out your exact price is to get quotes from as many companies as possible. Every company calculates prices differently, so rate quotes will be substantially different between companies.
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 Buy the Right Volkswagen Passat Insurance
Finding better rates on Volkswagen Passat insurance not only requires being safe and accident-free, but also having a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Take the time to comparison shop at every policy renewal by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.
Below you'll find a quick rundown of the data touched on in the above illustrations.
- Drivers who may need more liability protection will pay approximately $460 per year to go from 30/60 bodily injury limits to higher 250/500 limits
- You may be able to save up to $180 per year simply by quoting early and online
- Increasing policy deductibles could save up to $600 each year
- Youthful drivers are the costliest to insure, with the cost nearing $455 per month if comprehensive and collision insurance is included
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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