Volkswagen Passat Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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 auto insurance rates for a Volkswagen Passat are $1,420 annually for full coverage insurance. Comprehensive costs on average $282, collision insurance costs $538, and liability coverage costs $442. A policy with only liability insurance costs as little as $496 a year, and a high-risk policy costs around $3,088. Teen drivers pay the most at up to $5,368 a year.
Average premium for full coverage: $1,420
Premium estimates by type of coverage:
Includes $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all Passat models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Volkswagen Passat range from as cheap as $496 for just liability insurance to the much higher price of $3,088 for a high-risk driver policy.
Insurance Price Range by Location
Your location has a large influence on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than larger metro areas. The example below illustrates the difference location can make on car insurance rates.
These rate differences illustrate why everyone should compare rates based on a specific location and their own personal driving habits, rather than using 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 average Volkswagen Passat insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $812
- Drivers who choose higher $1,000 deductibles will pay around $186 each year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,420
- Choosing pricier low deductibles for comprehensive and collision insurance will cost $1,782
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,088
- An auto insurance policy with full coverage for a teenage driver for full coverage may cost $5,368 a year
Car insurance prices for a Volkswagen Passat also have a wide range based on the model of your Passat, your risk profile, and policy deductibles and limits.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged upwards of $5,300 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,300 extra annually, depending on your age. Volkswagen Passat insurance for high-risk drivers can cost around 43% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $550 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 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 $930 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,920 on average in Michigan, New York, and Florida.
| 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% |
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 Buy the Cheapest Volkswagen Passat Insurance
Finding better rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Make time to compare rates every time your policy renews by requesting quotes from direct insurance companies, and also from local exclusive and independent agents.
The points below are a recap of the information touched on in this article.
- It is possible to save as much as $170 per year just by quoting online well ahead of the renewal date
- Drivers under the age of 20 are expensive to insure, with premiums being up to $447 per month if comprehensive and collision insurance is included
- Increasing policy deductibles could save up to $550 each year
- Drivers that have major violations or accidents may pay on average $1,670 more each year to insure a Volkswagen Passat
- Consumers who require increased liability limits will pay about $490 annually to go from 30/60 bodily injury limits to higher 250/500 limits
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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