Volkswagen Passat Insurance Rates
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Michelle Robbins
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UPDATED: Apr 26, 2024
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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 insurance rates for a Volkswagen Passat are $1,420 a year for full coverage insurance. Comprehensive costs an estimated $282 a year, collision costs $538, and liability is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing around $3,088. Teen drivers pay the most at $5,368 a year or more.
Average premium for full coverage: $1,420
Premium estimates broken down by type of coverage:
Prices include $500 deductible amounts, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and Passat trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Volkswagen Passat go from as low as $496 for just liability insurance to a high of $3,088 for a policy for a high-risk driver.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than larger metro areas.
The diagram below illustrates how location impacts insurance prices.
These rate differences illustrate why it is important to compare rates quotes for a targeted area 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 Details
The chart below illustrates estimated Volkswagen Passat insurance rates for other coverage scenarios.
- The lowest rate with discounts is $812
- Raising to $1,000 deductibles will save approximately $1,234 each year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,420
- Choosing low $100 deductibles will increase the cost to $1,782
- Drivers with multiple violations and an at-fault accident could pay up to $3,088 or more
- An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $5,368
Auto insurance prices for a Volkswagen Passat also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.
Older drivers with a good driving record and high deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $5,300 a year. View Rates by Age
Where you choose to live also has a big influence on Volkswagen Passat insurance prices. A middle-age driver might find prices as low as $930 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,920 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,284 | -$136 | -9.6% |
| Alaska | $1,090 | -$330 | -23.2% |
| Arizona | $1,180 | -$240 | -16.9% |
| Arkansas | $1,420 | -$0 | 0.0% |
| California | $1,618 | $198 | 13.9% |
| Colorado | $1,356 | -$64 | -4.5% |
| Connecticut | $1,460 | $40 | 2.8% |
| Delaware | $1,606 | $186 | 13.1% |
| Florida | $1,776 | $356 | 25.1% |
| Georgia | $1,310 | -$110 | -7.7% |
| Hawaii | $1,020 | -$400 | -28.2% |
| Idaho | $960 | -$460 | -32.4% |
| Illinois | $1,058 | -$362 | -25.5% |
| Indiana | $1,070 | -$350 | -24.6% |
| Iowa | $958 | -$462 | -32.5% |
| Kansas | $1,350 | -$70 | -4.9% |
| Kentucky | $1,938 | $518 | 36.5% |
| Louisiana | $2,102 | $682 | 48.0% |
| Maine | $876 | -$544 | -38.3% |
| Maryland | $1,172 | -$248 | -17.5% |
| Massachusetts | $1,136 | -$284 | -20.0% |
| Michigan | $2,466 | $1,046 | 73.7% |
| Minnesota | $1,188 | -$232 | -16.3% |
| Mississippi | $1,700 | $280 | 19.7% |
| Missouri | $1,260 | -$160 | -11.3% |
| Montana | $1,526 | $106 | 7.5% |
| Nebraska | $1,120 | -$300 | -21.1% |
| Nevada | $1,704 | $284 | 20.0% |
| New Hampshire | $1,022 | -$398 | -28.0% |
| New Jersey | $1,588 | $168 | 11.8% |
| New Mexico | $1,258 | -$162 | -11.4% |
| New York | $1,496 | $76 | 5.4% |
| North Carolina | $818 | -$602 | -42.4% |
| North Dakota | $1,162 | -$258 | -18.2% |
| Ohio | $982 | -$438 | -30.8% |
| Oklahoma | $1,458 | $38 | 2.7% |
| Oregon | $1,300 | -$120 | -8.5% |
| Pennsylvania | $1,354 | -$66 | -4.6% |
| Rhode Island | $1,896 | $476 | 33.5% |
| South Carolina | $1,286 | -$134 | -9.4% |
| South Dakota | $1,200 | -$220 | -15.5% |
| Tennessee | $1,244 | -$176 | -12.4% |
| Texas | $1,710 | $290 | 20.4% |
| Utah | $1,052 | -$368 | -25.9% |
| Vermont | $972 | -$448 | -31.5% |
| Virginia | $850 | -$570 | -40.1% |
| Washington | $1,100 | -$320 | -22.5% |
| West Virginia | $1,302 | -$118 | -8.3% |
| Wisconsin | $982 | -$438 | -30.8% |
| Wyoming | $1,264 | -$156 | -11.0% |
Choosing high deductibles can reduce prices by up to $550 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying $1,700 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 133% more than average. View High Risk Driver Rates
With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and quoted prices will be substantially 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 | $1,294 | $108 |
| Volkswagen Passat Komfort 4-Dr Sedan | $1,420 | $118 |
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 | $298 | $558 | $430 | $1,444 |
| 2021 Volkswagen Passat | $282 | $538 | $442 | $1,420 |
| 2020 Volkswagen Passat | $270 | $500 | $452 | $1,380 |
| 2019 Volkswagen Passat | $260 | $470 | $456 | $1,344 |
| 2018 Volkswagen Passat | $248 | $422 | $460 | $1,288 |
| 2017 Volkswagen Passat | $232 | $388 | $460 | $1,238 |
| 2016 Volkswagen Passat | $224 | $364 | $464 | $1,210 |
| 2015 Volkswagen Passat | $220 | $340 | $474 | $1,192 |
| 2014 Volkswagen Passat | $202 | $316 | $474 | $1,150 |
| 2013 Volkswagen Passat | $198 | $286 | $478 | $1,120 |
| 2012 Volkswagen Passat | $184 | $262 | $474 | $1,078 |
| 2010 Volkswagen Passat | $168 | $214 | $468 | $1,008 |
| 2008 Volkswagen Passat | $162 | $198 | $452 | $970 |
| 2006 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 Right Volkswagen Passat Insurance
Finding better rates on insurance for a Volkswagen Passat consists of having a good driving record, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Spend time shopping around every year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a quick rundown of the coverage data touched on above.
- It is possible to save approximately $170 per year simply by quoting early and online
- Increasing policy deductibles can save around $550 each year
- Drivers age 20 and younger are the costliest to insure, with premiums being up to $447 per month if they have full coverage
- Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,670 more annually to buy Volkswagen Passat insurance
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 | $5,368 |
| 20 | $3,294 |
| 30 | $1,478 |
| 40 | $1,420 |
| 50 | $1,300 |
| 60 | $1,274 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,782 |
| $250 | $1,614 |
| $500 | $1,420 |
| $1,000 | $1,234 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,420 |
| 50/100 | $1,508 |
| 100/300 | $1,619 |
| 250/500 | $1,906 |
| 100 CSL | $1,553 |
| 300 CSL | $1,796 |
| 500 CSL | $1,973 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,658 |
| 20 | $5,252 |
| 30 | $3,150 |
| 40 | $3,088 |
| 50 | $2,950 |
| 60 | $2,924 |
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 | $76 |
| Multi-vehicle | $76 |
| Homeowner | $21 |
| 5-yr Accident Free | $105 |
| 5-yr Claim Free | $93 |
| Paid in Full/EFT | $65 |
| Advance Quote | $71 |
| Online Quote | $101 |
| Total Discounts | $608 |
Discounts are estimated and may not be available from every company or in every state.
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