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.
The average auto insurance rates for a Volkswagen Passat are $1,444 annually for full coverage insurance. Comprehensive insurance costs on average $298, collision costs $558, and liability coverage is $430. A liability-only policy costs around $486 a year, with high-risk insurance costing $3,130 or more. Teens cost the most to insure at $5,406 a year or more.
Average premium for full coverage: $1,444
Policy rates by type of insurance:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different Passat trim levels.
Price Range Variability
For the average 40-year-old driver, Volkswagen Passat insurance rates go from as cheap as $486 for the bare minimum liability coverage to a much higher rate of $3,130 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on insurance rates. Rural areas are shown to have fewer physical damage claims than cities with more traffic congestion.
The price range example below illustrates the difference location can make on car insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, rather than using averaged prices.
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 Information
The chart below illustrates estimated Volkswagen Passat insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $828
- Raising to $1,000 deductibles will save around $196 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,444
- Selecting more expensive low deductibles costs an additional $376 each year
- Unlucky drivers with serious driving violations could pay upwards of $3,130 or more
- Policy cost with full coverage for a teenage driver with full coverage may cost $5,406
Car insurance rates for a Volkswagen Passat also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
An older driver with no driving violations and high physical damage deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $5,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $580 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $387 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Volkswagen Passat insurance rates. A middle-age driver might find rates as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,950 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,304 | -$140 | -9.7% |
| Alaska | $1,108 | -$336 | -23.3% |
| Arizona | $1,196 | -$248 | -17.2% |
| Arkansas | $1,444 | -$0 | 0.0% |
| California | $1,646 | $202 | 14.0% |
| Colorado | $1,378 | -$66 | -4.6% |
| Connecticut | $1,484 | $40 | 2.8% |
| Delaware | $1,632 | $188 | 13.0% |
| Florida | $1,804 | $360 | 24.9% |
| Georgia | $1,330 | -$114 | -7.9% |
| Hawaii | $1,036 | -$408 | -28.3% |
| Idaho | $976 | -$468 | -32.4% |
| Illinois | $1,076 | -$368 | -25.5% |
| Indiana | $1,086 | -$358 | -24.8% |
| Iowa | $972 | -$472 | -32.7% |
| Kansas | $1,372 | -$72 | -5.0% |
| Kentucky | $1,968 | $524 | 36.3% |
| Louisiana | $2,136 | $692 | 47.9% |
| Maine | $890 | -$554 | -38.4% |
| Maryland | $1,190 | -$254 | -17.6% |
| Massachusetts | $1,156 | -$288 | -19.9% |
| Michigan | $2,506 | $1,062 | 73.5% |
| Minnesota | $1,208 | -$236 | -16.3% |
| Mississippi | $1,728 | $284 | 19.7% |
| Missouri | $1,280 | -$164 | -11.4% |
| Montana | $1,550 | $106 | 7.3% |
| Nebraska | $1,138 | -$306 | -21.2% |
| Nevada | $1,728 | $284 | 19.7% |
| New Hampshire | $1,040 | -$404 | -28.0% |
| New Jersey | $1,612 | $168 | 11.6% |
| New Mexico | $1,278 | -$166 | -11.5% |
| New York | $1,520 | $76 | 5.3% |
| North Carolina | $832 | -$612 | -42.4% |
| North Dakota | $1,182 | -$262 | -18.1% |
| Ohio | $996 | -$448 | -31.0% |
| Oklahoma | $1,482 | $38 | 2.6% |
| Oregon | $1,320 | -$124 | -8.6% |
| Pennsylvania | $1,378 | -$66 | -4.6% |
| Rhode Island | $1,924 | $480 | 33.2% |
| South Carolina | $1,306 | -$138 | -9.6% |
| South Dakota | $1,218 | -$226 | -15.7% |
| Tennessee | $1,264 | -$180 | -12.5% |
| Texas | $1,740 | $296 | 20.5% |
| Utah | $1,068 | -$376 | -26.0% |
| Vermont | $988 | -$456 | -31.6% |
| Virginia | $864 | -$580 | -40.2% |
| Washington | $1,116 | -$328 | -22.7% |
| West Virginia | $1,322 | -$122 | -8.4% |
| Wisconsin | $1,000 | -$444 | -30.7% |
| Wyoming | $1,284 | -$160 | -11.1% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, so rate quotes will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volkswagen Passat Komfort Station Wagon | $1,316 | $110 |
| Volkswagen Passat Komfort 4-Dr Sedan | $1,444 | $120 |
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 | $308 | $582 | $416 | $1,464 |
| 2021 Volkswagen Passat | $298 | $558 | $430 | $1,444 |
| 2020 Volkswagen Passat | $282 | $538 | $442 | $1,420 |
| 2019 Volkswagen Passat | $270 | $500 | $452 | $1,380 |
| 2018 Volkswagen Passat | $260 | $470 | $456 | $1,344 |
| 2017 Volkswagen Passat | $248 | $422 | $460 | $1,288 |
| 2016 Volkswagen Passat | $232 | $388 | $460 | $1,238 |
| 2015 Volkswagen Passat | $224 | $364 | $464 | $1,210 |
| 2014 Volkswagen Passat | $220 | $340 | $474 | $1,192 |
| 2013 Volkswagen Passat | $202 | $316 | $474 | $1,150 |
| 2012 Volkswagen Passat | $198 | $286 | $478 | $1,120 |
| 2010 Volkswagen Passat | $174 | $238 | $474 | $1,044 |
| 2008 Volkswagen Passat | $166 | $208 | $460 | $992 |
| 2006 Volkswagen Passat | $148 | $190 | $446 | $942 |
| 2005 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 Cheaper Volkswagen Passat Insurance
Finding cheaper rates on auto insurance consists of avoiding accidents and violations, having a good credit score, being claim-free, and maximizing policy discounts. Make time to compare rates every year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The list below is a condensed summary of the coverage data touched on in this article.
- It is possible to save as much as $180 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $575 each year
- Teenagers are expensive to insure, possibly costing $451 each month if comprehensive and collision insurance is included
- Drivers with multiple at-fault accidents may pay on average $1,690 more each year for car 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 | $5,406 |
| 20 | $3,340 |
| 30 | $1,504 |
| 40 | $1,444 |
| 50 | $1,318 |
| 60 | $1,292 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,820 |
| $250 | $1,646 |
| $500 | $1,444 |
| $1,000 | $1,248 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,444 |
| 50/100 | $1,530 |
| 100/300 | $1,638 |
| 250/500 | $1,917 |
| 100 CSL | $1,573 |
| 300 CSL | $1,810 |
| 500 CSL | $1,982 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,718 |
| 20 | $5,320 |
| 30 | $3,198 |
| 40 | $3,130 |
| 50 | $2,990 |
| 60 | $2,964 |
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 | $77 |
| Multi-vehicle | $76 |
| Homeowner | $21 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $66 |
| Advance Quote | $72 |
| Online Quote | $103 |
| Total Discounts | $616 |
Discounts are estimated and may not be available from every company or in every state.
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