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2008 Volkswagen Passat Insurance Rates

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

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 2008 Volkswagen Passat are $1,120 a year with full coverage. Comprehensive insurance costs around $198, collision insurance costs $286, and liability insurance costs $478. Buying a liability-only policy costs as little as $526 a year, and high-risk insurance costs $2,412 or more. Teenage drivers receive the highest rates at up to $4,422 a year.

Annual premium for full coverage: $1,120

Rate estimates for 2008 Volkswagen Passat Insurance

Comprehensive $198
Collision $286
Liability $478

Rate data is compiled from all 50 U.S. states and averaged for all 2008 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 range from as low as $526 for just liability insurance to a much higher rate of $2,412 for a high risk driver.

Liability Only $526
Full Coverage $1,120
High Risk $2,412

View Chart as Image

2008 Volkswagen Passat insurance rates compared
Column chart showing 2008 Volkswagen Passat insurance prices range from $669 to $4,422 for full coverage

These differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on average rates.

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 2008 Volkswagen Passat Insurance

Searching Companies

Overpriced Volkswagen Passat insurance can empty your bank account and force you to make sacrifices. Doing a price comparison is a smart way to reduce premiums and put more money in your pocket.

With consumers having so many insurance companies to choose from, it is hard for the average consumer to locate the cheapest insurer.

Buying car insurance is not that difficult. If you are paying for car insurance now, you will be able to reduce your rates substantially using these tips. Nevertheless, vehicle owners can benefit from knowing how companies determine prices and apply this information to your search.

Take discounts and save

Companies that sell car insurance don’t always list all their discounts very well, so we researched some of the best known and the harder-to-find discounts you could be receiving.

  • Payment Discounts – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for Passat coverage with select insurance companies.
  • Accident Free – Claim-free drivers pay much less as compared to drivers who are more careless.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you could get a discount of 10% to 20% off each policy.
  • New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.

It’s important to understand that most discount credits are not given to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, companies don’t profit that way.

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

Before buying, ask each company what discounts are available to you. Discounts might not apply in your state.

How to Get Cheap Car Insurance

There are a lot of ways to compare car insurance prices but one way is less labor-intensive and much quicker. You could spend your day driving to insurance companies in your area, or you can utilize online quoting to maximize your effort.

Many companies participate in an industry program where insurance shoppers only type in their quote data once, and at least one company can give them a price for coverage. This system prevents you from having to do quotation requests for each company. To compare 2008 Volkswagen Passat rates using this form now click here to start a free quote.

One minor caviat to comparing rates this way is buyers cannot specifically choose which providers you will receive quotes from. If you prefer to choose specific providers to compare prices, we have a page of the cheapest car insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing the exact same deductibles and coverage limits with every price quote. If your comparisons have mixed coverages it’s impossible to determine the best price for your Volkswagen Passat. Slightly different limits can mean a large discrepancy in price. And when quoting car insurance, remember that having more price comparisons will improve the odds of getting better pricing.

Which policy gives me the best coverage?

When choosing proper insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether you could use an agent’s help.

  • Should I sign the liability waiver when renting a car?
  • Will filing a claim cost me more?
  • Is business property covered if stolen from my car?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my 2008 Volkswagen Passat covered for smoke damage?
  • Do I need to file an SR-22 for a DUI in my state?
  • I have a DUI can I still get coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Specific coverage details

Understanding the coverages of your car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on the average car insurance policy.

Liability auto insurance

Liability coverage can cover injuries or damage you cause to other’s property or people. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as medical services, medical expenses and court costs. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Volkswagen Passat.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical costs insurance

Med pay and PIP coverage provide coverage for immediate expenses for things like nursing services, ambulance fees and hospital visits. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like vandalism, hitting a bird, damage from flooding and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a mailbox, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

A little work can save a LOT of money

When trying to cut insurance costs, never sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. Your aim should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Budget-conscious 2008 Volkswagen Passat insurance can be bought both online and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. There are still a few companies who may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

Additional detailed information is located by following these links:

Rates by U.S. City

2008 Volkswagen Passat Insurance Rates by City
City Premium
New York City, NY $1,767
Los Angeles, CA $1,914
Philadelphia, PA $1,495
Jacksonville, FL $1,624
Phoenix, AZ $1,302
Chicago, IL $1,505
Houston, TX $1,755
Seattle, WA $1,089
Columbus, OH $937
Indianapolis, IN $951

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2008 Volkswagen Passat Insurance Rates by Driver Age
Driver Age Premium
16 $4,422
20 $2,564
30 $1,146
40 $1,120
50 $1,028
60 $1,004

Full coverage, $500 deductibles

Rates by Deductible

2008 Volkswagen Passat Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,330
$250 $1,232
$500 $1,120
$1,000 $1,010

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Passat Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,120
50/100 $1,216
100/300 $1,335
250/500 $1,646
100 CSL $1,263
300 CSL $1,526
500 CSL $1,718

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Volkswagen Passat Insurance Rates for High Risk Drivers
Age Premium
16 $6,254
20 $4,088
30 $2,442
40 $2,412
50 $2,308
60 $2,284

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 $152

Potential Rate Discounts

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

Discount Savings
Multi-policy $58
Multi-vehicle $60
Homeowner $19
5-yr Accident Free $72
5-yr Claim Free $71
Paid in Full/EFT $43
Advance Quote $51
Online Quote $77
Total Discounts $451
Rate after discounts $669

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

Find companies with the cheapest rates in your area

2008 Volkswagen Passat Insurance Rates by State
State Premium
Alabama $1,012
Alaska $860
Arizona $930
Arkansas $1,120
California $1,276
Colorado $1,070
Connecticut $1,150
Delaware $1,268
Florida $1,400
Georgia $1,032
Hawaii $804
Idaho $758
Illinois $836
Indiana $842
Iowa $756
Kansas $1,066
Kentucky $1,528
Louisiana $1,656
Maine $690
Maryland $922
Massachusetts $896
Michigan $1,944
Minnesota $938
Mississippi $1,340
Missouri $994
Montana $1,204
Nebraska $884
Nevada $1,340
New Hampshire $806
New Jersey $1,252
New Mexico $990
New York $1,178
North Carolina $644
North Dakota $916
Ohio $774
Oklahoma $1,150
Oregon $1,024
Pennsylvania $1,068
Rhode Island $1,494
South Carolina $1,012
South Dakota $944
Tennessee $980
Texas $1,350
Utah $830
Vermont $766
Virginia $670
Washington $864
West Virginia $1,026
Wisconsin $774
Wyoming $998

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