Volkswagen Passat Insurance Rates
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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.
U.S. average insurance rates for a Volkswagen Passat are $1,420 a year with full coverage. Comprehensive costs approximately $282 a year, collision insurance costs $538, and liability costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers costs around $3,088. Teenage drivers pay the highest rates at up to $5,368 a year.
Average premium for full coverage: $1,420
Price estimates by individual coverage:
Full coverage includes $500 physical damage deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Passat trim levels.
Price Range from Low to High
For a driver in their 40's, Volkswagen Passat insurance prices range from as low as $496 for just liability insurance to a high of $3,088 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can have significant affects on the price of insurance. Rural locations have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance prices.
The ranges above demonstrate why it is important to compare prices using their specific location and risk profile, instead of using average rates.
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 details average Volkswagen Passat insurance rates for additional coverage and risk scenarios.
- The best discount rate is $812
- Using higher $1,000 deductibles will save $1,234 annually
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,420
- Using low $100 deductibles for physical damage coverage will increase the cost to $1,782
- Drivers who are prone to accidents and violations could pay around $3,088
- The price for full coverage for a teen driver can cost $5,368 or more
Insurance prices for a Volkswagen Passat are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high deductibles may pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age
The state you live in has a huge impact on Volkswagen Passat insurance prices. A driver around age 40 might see prices as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,920 on average in New York, Michigan, 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% |
Using high physical damage deductibles could cut prices by as much as $550 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 133% more than a normal policy. View High Risk Driver Rates
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 Find More Affordable Volkswagen Passat Insurance
Getting lower rates on car insurance requires being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates at every policy renewal by getting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
Below is a summary of the data covered in the charts and tables above.
- Policyholders who purchase higher levels of liability will pay an extra $490 every year to increase from a low limit to 250/500 limits
- You may be able to save around $170 per year just by quoting early and online
- Increasing physical damage deductibles can save around $550 each year
- Teenage drivers are the costliest to insure, costing up to $447 a month including comprehensive and collision 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 | $5,368 |
| 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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