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2003 Volkswagen Passat Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 12, 2015

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Average insurance rates for a 2003 Volkswagen Passat are $970 a year for full coverage. Comprehensive costs on average $162, collision insurance costs $198, and liability costs $452. Buying a liability-only policy costs as little as $504 a year, and high-risk insurance costs around $2,080. Teen drivers receive the highest rates at up to $3,904 a year.

Annual premium for full coverage: $970

Rate estimates for 2003 Volkswagen Passat Insurance

Comprehensive $162
Collision $198
Liability $452

Rate data is compiled from all 50 U.S. states and averaged for all 2003 Volkswagen Passat models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $504 for the bare minimum liability coverage to a much higher rate of $2,080 for high-risk insurance.

Liability Only $504
Full Coverage $970
High Risk $2,080

View Chart as Image

2003 Volkswagen Passat insurance rates compared
Column chart showing 2003 Volkswagen Passat insurance prices range from $593 to $3,904 for full coverage

These differences show why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2003 Volkswagen Passat Insurance

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Finding affordable auto insurance is challenging for consumers new to comparison shopping online. Consumers have so many options available that it can easily become a challenge to locate the lowest price.

It is always a good idea to shop coverage around at least once a year due to the fact that insurance rates change regularly. If you had the lowest rates on Passat coverage two years ago you can probably find a better price now. Starting right now, forget all the misinformation about auto insurance because it’s time to teach you the proper way to save money, get proper coverage and the best rates.

The quickest way to compare car insurance company rates takes advantage of the fact most insurance companies provide online access to compare rate quotes. To get started, all you need to do is provide a small amount of information such as if you went to college, your general credit rating, if a SR-22 is needed, and which vehicles you own. Your rating data gets transmitted to multiple different insurance companies and you receive quotes immediately.

To check rates for your Volkswagen Passat , click here and enter your coverage details.

Is there truth in advertising?

Companies like State Farm and Allstate constantly bombard you with television and radio advertisements. All the ads make an identical promise that you can save if you switch to them. How do they all make almost identical claims? It’s all in the numbers.

All the different companies have a certain “appetite” for the right customer that is profitable for them. An example of a profitable customer could be over the age of 40, has no prior claims, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” is entitled to the best price and is almost guaranteed to save when they switch companies.

Drivers who don’t measure up to these standards will have to pay more money which usually ends up with the customer not buying. The ads state “customers that switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can advertise the way they do. Because of the profiling, drivers must get as many comparisons as possible. You cannot predict the company that will give you the biggest savings on Volkswagen Passat insurance.

How to save on 2003 Volkswagen Passat insurance

Companies that sell car insurance don’t necessarily list every discount very well, so here is a list both the well known as well as the least known discounts you could be receiving.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Passat coverage than their less cautious counterparts.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off your medical payments premium.
  • Low Mileage – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Student in College – Children who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.

As a disclaimer on discounts, most discount credits are not given the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way.

A partial list of companies that may offer these discounts include:

Check with each company what discounts are available to you. All car insurance discounts might not be offered in every state.

Tailor your coverage to you

When it comes to choosing the best insurance coverage, there is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.

  • Am I covered if hit by an uninsured driver?
  • Are rental cars covered under my policy?
  • Do I have coverage for damage caused while driving under the influence?
  • Is upholstery damage covered by car insurance?
  • Am I covered if I crash into my own garage door?
  • Does coverage extend to Mexico or Canada?
  • How does medical payments coverage work?
  • What can I do if my company won’t pay a claim?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form.

Coverages available on your policy

Having a good grasp of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, hitting a bird, falling objects, a tree branch falling on your vehicle and damage from flooding. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like EMT expenses, dental work and X-ray expenses. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Auto liability insurance

Liability coverage provides protection from injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as repair costs for stationary objects, pain and suffering and legal defense fees. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Summing up your insurance coverage search

Low-cost 2003 Volkswagen Passat insurance can be found online and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance coverage companies do not offer online price quotes and most of the time these small insurance companies sell through independent agents.

People who switch companies do it for any number of reasons including policy cancellation, policy non-renewal, unfair underwriting practices or even denial of a claim. It doesn’t matter what your reason, switching insurance coverage companies is pretty easy and you might even save some money in the process.

Throughout this article, we presented many ideas to get a better price on insurance. It’s most important to understand that the more price quotes you have, the better your comparison will be. Consumers may even find the lowest rates come from some of the lesser-known companies.

For more information, feel free to browse these articles:

Rates by U.S. City

2003 Volkswagen Passat Insurance Rates by City
City Premium
New York City, NY $1,533
Los Angeles, CA $1,659
Philadelphia, PA $1,296
Jacksonville, FL $1,408
Phoenix, AZ $1,126
Chicago, IL $1,300
Houston, TX $1,524
Seattle, WA $948
Columbus, OH $813
Indianapolis, IN $825

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2003 Volkswagen Passat Insurance Rates by Driver Age
Driver Age Premium
16 $3,904
20 $2,212
30 $986
40 $970
50 $892
60 $872

Full coverage, $500 deductibles

Rates by Deductible

2003 Volkswagen Passat Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,126
$250 $1,056
$500 $970
$1,000 $888

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Passat Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $970
50/100 $1,060
100/300 $1,173
250/500 $1,467
100 CSL $1,106
300 CSL $1,354
500 CSL $1,535

Full coverage, driver age 40

Rates for High Risk Drivers

2003 Volkswagen Passat Insurance Rates for High Risk Drivers
Age Premium
16 $5,494
20 $3,520
30 $2,094
40 $2,080
50 $1,990
60 $1,970

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 $128

Potential Rate Discounts

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

Discount Savings
Multi-policy $49
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $58
5-yr Claim Free $60
Paid in Full/EFT $34
Advance Quote $42
Online Quote $65
Total Discounts $377
Rate after discounts $593

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

Find companies with the cheapest rates in your area

2003 Volkswagen Passat Insurance Rates by State
State Premium
Alabama $878
Alaska $744
Arizona $804
Arkansas $970
California $1,106
Colorado $926
Connecticut $998
Delaware $1,098
Florida $1,214
Georgia $896
Hawaii $696
Idaho $656
Illinois $722
Indiana $730
Iowa $654
Kansas $922
Kentucky $1,326
Louisiana $1,436
Maine $598
Maryland $800
Massachusetts $776
Michigan $1,688
Minnesota $812
Mississippi $1,162
Missouri $860
Montana $1,042
Nebraska $766
Nevada $1,164
New Hampshire $700
New Jersey $1,086
New Mexico $860
New York $1,022
North Carolina $560
North Dakota $794
Ohio $672
Oklahoma $996
Oregon $888
Pennsylvania $926
Rhode Island $1,294
South Carolina $880
South Dakota $818
Tennessee $850
Texas $1,172
Utah $720
Vermont $664
Virginia $582
Washington $752
West Virginia $888
Wisconsin $672
Wyoming $864

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