Volkswagen Passat Insurance Rates

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Melanie Musson

Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...

Published Insurance Expert

UPDATED: Jun 5, 2023

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Volkswagen Passat insurance

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 $1,210 annually with full coverage. Comprehensive insurance costs around $224 each year, collision costs $364, and liability insurance costs around $464. Liability-only coverage costs as low as $514 a year, with high-risk coverage costing $2,618 or more. Teen drivers pay the most at $4,704 a year or more.

Average premium for full coverage: $1,210

Premium estimates for type of coverage:

Comprehensive $224
Collision $364
Liability $464

Rate estimates include $500 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and Passat models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Volkswagen Passat go from as cheap as $514 for minimum levels of liability insurance to a high rate of $2,618 for a high-risk insurance policy.

Liability Only $514
Full Coverage $1,210
High Risk $2,618

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than larger metro areas.

The graphic below illustrates how your location can change auto insurance rates.

Rural Areas $908
Small Cities $1,271
Large Cities $1,634

These rate differences demonstrate why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than relying 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.

Additional Rate Details

The chart below details estimated Volkswagen Passat insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $712
  • Using higher $1,000 deductibles will save about $134 annually
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,210
  • Choosing low deductibles for physical damage coverage costs an additional $258 a year
  • Drivers with multiple violations and an at-fault accident could pay at least $2,618 or more
  • An auto insurance policy with full coverage for a teen driver can be $4,704 or more

View Chart as Image

Volkswagen Passat insurance cost comparison chart
Column chart showing full coverage Volkswagen Passat insurance prices range from $712 to $4,704

Insurance prices for a Volkswagen Passat also have a wide range based on the model of your Passat, your driving record, and deductibles and policy limits.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $400 each year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $417 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Volkswagen Passat insurance rates. A driver around age 40 might see prices as low as $870 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,640 on average in Florida, Michigan, and New York.

Volkswagen Passat Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,094 -$116 -9.6%
Alaska $928 -$282 -23.3%
Arizona $1,006 -$204 -16.9%
Arkansas $1,210 -$0 0.0%
California $1,380 $170 14.0%
Colorado $1,158 -$52 -4.3%
Connecticut $1,246 $36 3.0%
Delaware $1,372 $162 13.4%
Florida $1,514 $304 25.1%
Georgia $1,118 -$92 -7.6%
Hawaii $870 -$340 -28.1%
Idaho $818 -$392 -32.4%
Illinois $902 -$308 -25.5%
Indiana $912 -$298 -24.6%
Iowa $818 -$392 -32.4%
Kansas $1,152 -$58 -4.8%
Kentucky $1,652 $442 36.5%
Louisiana $1,792 $582 48.1%
Maine $746 -$464 -38.3%
Maryland $1,000 -$210 -17.4%
Massachusetts $970 -$240 -19.8%
Michigan $2,104 $894 73.9%
Minnesota $1,012 -$198 -16.4%
Mississippi $1,450 $240 19.8%
Missouri $1,074 -$136 -11.2%
Montana $1,300 $90 7.4%
Nebraska $954 -$256 -21.2%
Nevada $1,452 $242 20.0%
New Hampshire $872 -$338 -27.9%
New Jersey $1,352 $142 11.7%
New Mexico $1,072 -$138 -11.4%
New York $1,274 $64 5.3%
North Carolina $700 -$510 -42.1%
North Dakota $992 -$218 -18.0%
Ohio $834 -$376 -31.1%
Oklahoma $1,242 $32 2.6%
Oregon $1,110 -$100 -8.3%
Pennsylvania $1,154 -$56 -4.6%
Rhode Island $1,616 $406 33.6%
South Carolina $1,098 -$112 -9.3%
South Dakota $1,022 -$188 -15.5%
Tennessee $1,060 -$150 -12.4%
Texas $1,460 $250 20.7%
Utah $896 -$314 -26.0%
Vermont $830 -$380 -31.4%
Virginia $724 -$486 -40.2%
Washington $936 -$274 -22.6%
West Virginia $1,110 -$100 -8.3%
Wisconsin $840 -$370 -30.6%
Wyoming $1,080 -$130 -10.7%

View Chart as Image

Volkswagen Passat insurance rates by U.S. city

With such a large range in prices, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, so the prices will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

Volkswagen Passat Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volkswagen Passat Komfort Station Wagon $1,092 $91
Volkswagen Passat Komfort 4-Dr Sedan $1,210 $101

Rates assume 2014 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.

Volkswagen Passat Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
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 Best Volkswagen Passat Insurance

Finding better rates on Volkswagen Passat insurance requires having a good driving record, having a good credit history, being claim-free, and insuring your home and auto with the same company. Invest the time to shop around at least every other year by quoting rates from direct companies, and also from local exclusive and independent agents.

The next list is a brief recap of the car insurance concepts illustrated above.

  • High-risk drivers who tend to receive serious violations may pay on average $1,410 more every year to buy Volkswagen Passat insurance
  • You may be able to save up to $140 per year simply by quoting online in advance
  • Increasing policy deductibles could save up to $400 each year
  • Drivers who may need increased levels of liability coverage will pay about $510 every year to increase 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

  1. https://www.iihs.org/ratings/vehicle/volkswagen/passat-4-door-sedan/2020

Rates by Driver Age

Volkswagen Passat Insurance Rates by Driver Age
Driver Age Premium
16 $4,704
20 $2,784
30 $1,246
40 $1,210
50 $1,108
60 $1,086

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Passat Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,468
$250 $1,348
$500 $1,210
$1,000 $1,076

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Passat Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,210
50/100 $1,303
100/300 $1,419
250/500 $1,720
100 CSL $1,349
300 CSL $1,604
500 CSL $1,790

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Passat Insurance Rates for High Risk Drivers
Age Premium
16 $6,672
20 $4,440
30 $2,658
40 $2,618
50 $2,502
60 $2,478

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 $167

Potential Rate Discounts

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

Discount Savings
Multi-policy $63
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $77
Paid in Full/EFT $50
Advance Quote $57
Online Quote $84
Total Discounts $498
Rate after discounts $712

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

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