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2004 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 2004 Volkswagen Passat are $992 a year for full coverage insurance. Comprehensive insurance costs around $166 each year, collision costs $208, and liability coverage costs $460. Buying a liability-only policy costs as little as $510 a year, with high-risk insurance costing $2,128 or more. Teen drivers receive the highest rates at $3,988 a year or more.

Annual premium for full coverage: $992

Rate estimates for 2004 Volkswagen Passat Insurance

Comprehensive $166
Collision $208
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2004 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 middle-aged driver, prices range go from as low as $510 for basic liability insurance to a high rate of $2,128 for a high risk driver.

Liability Only $510
Full Coverage $992
High Risk $2,128

View Chart as Image

2004 Volkswagen Passat insurance rates compared
Column chart showing 2004 Volkswagen Passat insurance prices range from $604 to $3,988 for full coverage

These differences illustrate why all drivers should compare rates for a specific zip code and risk profile, rather than 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 2004 Volkswagen Passat Insurance

Searching Companies

Trying to find lower insurance rates for your Volkswagen Passat? Searching for low-cost insurance for a new or used Volkswagen Passat could be an all-consuming task, but you can learn our insurance buying tips to save time.

There are both good and bad ways to find insurance online so we’re going to tell you the proper way to compare rates for your Volkswagen and locate the best price possible either online or from local insurance agents.

Smart consumers take time to do rate comparisons at least once a year because insurance rates are adjusted regularly by insurance companies. Even if you got the best rates on Passat insurance on your last policy there is a good chance you can find better rates now. You can find a lot of wrong information about insurance online but we’re going to give you the easiest ways to reduce your insurance bill.

If you have insurance now or are just looking to switch companies, you can follow these tips to get lower rates while maintaining coverages. Locating the cheapest insurance coverage coverage can be fairly easy. Drivers just need to understand the proper methods to get comparison quotes online.

Are you getting all your discounts?

Insurance can cost an arm and a leg, but you can get discounts to cut the cost considerably. A few discounts will automatically apply at the time you complete a quote, but a few need to be asked about before they will apply. If they aren’t giving you every credit available, you are paying more than you should be.

  • Air Bag Discount – Factory air bags or motorized seat belts can qualify for discounts up to 30%.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.
  • Seat Belt Usage – Requiring all passengers to use a seat belt could cut 10% or more off your medical payments premium.
  • Senior Discount – If you’re over the age of 55, you may be able to get a small decrease in premiums on Passat insurance.
  • Early Switch Discount – Some insurance companies reward drivers for signing up before your current policy expires. It’s a savings of about 10%.
  • No Accidents – Drivers who don’t have accidents pay less compared to drivers who are more careless.
  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Multiple Cars – Having all your vehicles on one policy can get a discount on all vehicles.
  • Organization Discounts – Being a member of certain professional organizations may earn a discount on auto insurance on Passat insurance.

It’s important to understand that many deductions do not apply to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. So when the math indicates you could get a free auto insurance policy, it doesn’t quite work that way. Any qualifying discounts will bring down the amount you have to pay.

Companies that may have these benefits are:

Double check with all companies you are considering how you can save money. Savings might not apply in every state.

Comprehensive Auto Insurance Comparison

Comparing auto insurance rates can take time and effort if you don’t utilize the best way to get rate quotes. You could spend the better part of a day talking to local insurance agents in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

Most car insurance companies belong to an insurance system that enables customers to only type in their quote data once, and each participating company then returns a price quote based on that data. This prevents consumers from doing form submissions for every auto insurance company.

To find out how much you can save on auto insurance click here to open in new window.

The one disadvantage to pricing coverage this way is buyers cannot specifically choose which providers to get pricing from. If you would rather choose individual companies for rate comparison, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but compare the exact same deductibles and coverage limits for every company. If you use differing limits you can’t possibly make an equal comparison.

When might I need an agent?

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Every situation is different.

For instance, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • When would I need additional glass coverage?
  • If I drive on a suspended license am I covered?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is business equipment covered while in my vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is my camper covered by my car insurance policy?
  • Does my 2004 Volkswagen Passat need full coverage?
  • Can my babysitter drive my car?
  • If my 2004 Volkswagen Passat is totaled, can I afford another vehicle?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Auto insurance coverage information

Having a good grasp of insurance aids in choosing which coverages you need for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage protection

This will pay to fix damage to your Passat caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as rolling your car, scraping a guard rail, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, hail damage, a tree branch falling on your vehicle, damage from getting keyed and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.


This coverage can cover damage that occurs to a person or their property by causing an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like medical services, bail bonds, emergency aid, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like rehabilitation expenses, ambulance fees, hospital visits and pain medications. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

UM/UIM Coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2004 Volkswagen Passat.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are set the same as your liablity limits.

Shop around and save

As you shop your coverage around, make sure you don’t reduce needed coverages to save money. There are many occasions where drivers have reduced uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

Consumers change insurance companies for a number of reasons such as denial of a claim, questionable increases in premium, poor customer service and even lack of trust in their agent. It doesn’t matter what your reason, switching companies is not as hard as you think.

We’ve covered a lot of tips how to reduce 2004 Volkswagen Passat insurance prices online. The key thing to remember is the more you quote, the better likelihood of reducing your rate. Consumers could even find that the most savings is with some of the lesser-known companies.

To read more, take a look at these articles:

Rates by U.S. City

2004 Volkswagen Passat Insurance Rates by City
City Premium
New York City, NY $1,569
Los Angeles, CA $1,695
Philadelphia, PA $1,324
Jacksonville, FL $1,438
Phoenix, AZ $1,151
Chicago, IL $1,328
Houston, TX $1,552
Seattle, WA $968
Columbus, OH $830
Indianapolis, IN $843

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2004 Volkswagen Passat Insurance Rates by Driver Age
Driver Age Premium
16 $3,988
20 $2,262
30 $1,008
40 $992
50 $910
60 $890

Full coverage, $500 deductibles

Rates by Deductible

2004 Volkswagen Passat Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,152
$250 $1,078
$500 $992
$1,000 $906

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Passat Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $992
50/100 $1,084
100/300 $1,199
250/500 $1,498
100 CSL $1,130
300 CSL $1,383
500 CSL $1,567

Full coverage, driver age 40

Rates for High Risk Drivers

2004 Volkswagen Passat Insurance Rates for High Risk Drivers
Age Premium
16 $5,614
20 $3,604
30 $2,148
40 $2,128
50 $2,036
60 $2,016

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 $131

Potential Rate Discounts

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

Discount Savings
Multi-policy $50
Multi-vehicle $53
Homeowner $18
5-yr Accident Free $60
5-yr Claim Free $62
Paid in Full/EFT $35
Advance Quote $43
Online Quote $67
Total Discounts $388
Rate after discounts $604

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

Find companies with the cheapest rates in your area

2004 Volkswagen Passat Insurance Rates by State
State Premium
Alabama $898
Alaska $760
Arizona $822
Arkansas $992
California $1,130
Colorado $948
Connecticut $1,020
Delaware $1,122
Florida $1,240
Georgia $914
Hawaii $712
Idaho $672
Illinois $738
Indiana $746
Iowa $668
Kansas $942
Kentucky $1,354
Louisiana $1,466
Maine $612
Maryland $818
Massachusetts $794
Michigan $1,722
Minnesota $830
Mississippi $1,188
Missouri $878
Montana $1,066
Nebraska $782
Nevada $1,190
New Hampshire $714
New Jersey $1,108
New Mexico $878
New York $1,046
North Carolina $570
North Dakota $812
Ohio $686
Oklahoma $1,020
Oregon $908
Pennsylvania $946
Rhode Island $1,324
South Carolina $898
South Dakota $838
Tennessee $868
Texas $1,194
Utah $734
Vermont $678
Virginia $592
Washington $768
West Virginia $910
Wisconsin $686
Wyoming $884

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