1. Vehicles
  2. Volkswagen
  3. Passat
  4. 2013 Model Year

2013 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 ...

Full Bio →

Written by

UPDATED: Aug 30, 2018

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2013 Volkswagen Passat are $1,288 a year for full coverage. Comprehensive insurance costs around $248, collision insurance costs $422, and liability insurance costs $460. Buying a liability-only policy costs as little as $510 a year, and high-risk insurance costs $2,788 or more. Teen drivers receive the highest rates at up to $4,948 a year.

Annual premium for full coverage: $1,288

Rate estimates for 2013 Volkswagen Passat Insurance

Comprehensive $248
Collision $422
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2013 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 $510 for basic liability insurance to a much higher rate of $2,788 for a high risk driver.

Liability Only $510
Full Coverage $1,288
High Risk $2,788

View Chart as Image

2013 Volkswagen Passat insurance rates compared
Column chart showing 2013 Volkswagen Passat insurance prices range from $750 to $4,948 for full coverage

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

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 2013 Volkswagen Passat Insurance

Searching Companies

Volkswagen Passat insurance
Are you a victim of an underperforming, overpriced auto insurance policy? Believe me, there are many people just like you.

Because there are so many different company options, it is very difficult to choose the lowest cost company.

It’s a good idea to price shop coverage occasionally because rates are rarely the same from one policy term to another. Just because you found the best price for Passat insurance a few years ago there may be better deals available now. Block out anything you think you know about auto insurance because we’re going to demonstrate the best methods to properly buy coverages while reducing your premium.

Pricing more affordable coverage is easy if you know what you’re doing. Basically, every driver who shops for car insurance will be able to cut their insurance bill. Although consumers can benefit from knowing how companies price online insurance.

The easiest way to get policy rate comparisons takes advantage of the fact most larger insurance companies have advanced systems to provide you with free rate quotes. All consumers are required to do is provide the companies a bit of rating information including if a SR-22 is required, level of coverage desired, whether you drive to work or school, and any included safety features. That rating information is automatically sent to multiple top-rated companies and they provide comparison quotes almost instantly.

These discounts can slash insurance rates

The price of auto insurance can be rather high, but there are discounts available to cut the cost considerably. Some trigger automatically when you purchase, but some may not be applied and must be inquired about prior to getting the savings.

  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off for Passat insurance with select insurance companies.
  • Low Mileage – Keeping the miles down on your Volkswagen could qualify for a substantially lower rate.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Passat insurance than drivers with accidents.
  • Good Student – Getting good grades can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Student Driver Training – Have your child complete a driver education course in high school.
  • Homeowners Discount – Owning a house may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts compared to accident-prone drivers.
  • Club Memberships – Belonging to a professional or civic organization may earn a discount when shopping for insurance for Passat insurance.
  • Student in College – Any of your kids living away from home attending college and do not have access to a covered vehicle can receive lower rates.

Keep in mind that some credits don’t apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts will help reduce your premiums.

Car insurance companies that possibly offer these discounts include:

Double check with all companies you are considering how you can save money. Savings might not be offered in your state.

When might I need the advice of an agent?

When it comes to choosing coverage, there really is no single plan that fits everyone. Every situation is different and your policy should reflect that. Here are some questions about coverages that might help in determining whether you may require specific advice.

  • Are my friends covered when driving my 2013 Volkswagen Passat?
  • What is an SR-22 filing?
  • Is my trailer covered?
  • When should I remove comp and collision on my 2013 Volkswagen Passat?
  • Is my state a no-fault state?
  • What is covered by UM/UIM coverage?
  • What is the rate difference between pleasure use and commuting?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Car insurance coverage specifics

Knowing the specifics of a car insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages found on most car insurance policies.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with a tree, scraping a guard rail, crashing into a building, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision) – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as vandalism, theft and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance – Med pay and PIP coverage pay for expenses such as surgery, pain medications, prosthetic devices, chiropractic care and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance – This can cover damage that occurs to other’s property or people in an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like bail bonds, attorney fees, pain and suffering, medical expenses and emergency aid. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Rates by U.S. City

2013 Volkswagen Passat Insurance Rates by City
City Premium
New York City, NY $2,037
Los Angeles, CA $2,202
Philadelphia, PA $1,722
Jacksonville, FL $1,870
Phoenix, AZ $1,498
Chicago, IL $1,728
Houston, TX $2,020
Seattle, WA $1,257
Columbus, OH $1,077
Indianapolis, IN $1,096

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2013 Volkswagen Passat Insurance Rates by Driver Age
Driver Age Premium
16 $4,948
20 $2,968
30 $1,332
40 $1,288
50 $1,180
60 $1,156

Full coverage, $500 deductibles

Rates by Deductible

2013 Volkswagen Passat Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,582
$250 $1,446
$500 $1,288
$1,000 $1,136

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Passat Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,288
50/100 $1,380
100/300 $1,495
250/500 $1,794
100 CSL $1,426
300 CSL $1,679
500 CSL $1,863

Full coverage, driver age 40

Rates for High Risk Drivers

2013 Volkswagen Passat Insurance Rates for High Risk Drivers
Age Premium
16 $7,032
20 $4,732
30 $2,838
40 $2,788
50 $2,666
60 $2,642

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 $179

Potential Rate Discounts

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

Discount Savings
Multi-policy $68
Multi-vehicle $69
Homeowner $21
5-yr Accident Free $90
5-yr Claim Free $83
Paid in Full/EFT $55
Advance Quote $62
Online Quote $90
Total Discounts $538
Rate after discounts $750

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

Find companies with the cheapest rates in your area

2013 Volkswagen Passat Insurance Rates by State
State Premium
Alabama $1,164
Alaska $988
Arizona $1,070
Arkansas $1,288
California $1,468
Colorado $1,232
Connecticut $1,326
Delaware $1,458
Florida $1,612
Georgia $1,190
Hawaii $924
Idaho $872
Illinois $960
Indiana $970
Iowa $868
Kansas $1,224
Kentucky $1,760
Louisiana $1,906
Maine $796
Maryland $1,064
Massachusetts $1,030
Michigan $2,238
Minnesota $1,078
Mississippi $1,544
Missouri $1,142
Montana $1,386
Nebraska $1,016
Nevada $1,546
New Hampshire $930
New Jersey $1,442
New Mexico $1,142
New York $1,358
North Carolina $742
North Dakota $1,056
Ohio $890
Oklahoma $1,324
Oregon $1,180
Pennsylvania $1,230
Rhode Island $1,720
South Carolina $1,168
South Dakota $1,088
Tennessee $1,128
Texas $1,554
Utah $954
Vermont $882
Virginia $772
Washington $998
West Virginia $1,180
Wisconsin $892
Wyoming $1,150

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles