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.
Average insurance prices for a Volkswagen Passat are $1,420 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $282, collision costs $538, and liability coverage is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing $3,088 or more. Teens receive the highest rates at $5,368 a year or more.
Average premium for full coverage: $1,420
Rate estimates broken down by individual coverage type:
Prices include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for different Passat trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the cheapest price of $496 for just liability coverage to a much higher rate of $3,088 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. More rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion.
The price range example below illustrates the difference location can make on insurance prices.
These examples illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, 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.
Detailed Rate Analysis
The chart below illustrates estimated Volkswagen Passat insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $812
- Raising to $1,000 deductibles will save approximately $186 each year
- The average price for a 40-year-old driver who has $500 deductibles is $1,420
- Selecting more expensive low deductibles costs an extra $362 each year
- Unlucky drivers with serious driving violations could pay up to $3,088 or more
- The cost to insure a teenage driver with full coverage can cost as much as $5,368
Auto insurance rates for a Volkswagen Passat can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $550 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $5,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying $1,700 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 133% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on Volkswagen Passat insurance rates. A middle-age driver might find rates as low as $930 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,920 on average in Florida, New York, and Michigan.
| 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% |
With so much variability in rates, the only way to figure out which company is cheapest is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, and quoted rates can be significantly different.
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 Shop for the Right Volkswagen Passat Insurance
Saving money on auto insurance consists of avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates at least once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The points below are a quick rundown of the primary concepts that were touched on in this article.
- It is possible to save approximately $170 per year simply by shopping early and online
- Drivers with reckless driving or DUI convictions could be forced to pay on average $1,670 more annually to insure a Volkswagen Passat
- Increasing deductibles could save as much as $550 each year
- Drivers under the age of 20 are the costliest to insure, costing up to $447 per month if comprehensive and collision insurance is included
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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