2014 Volkswagen Passat Insurance Rates
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UPDATED: Jun 12, 2015
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Average insurance rates for a 2014 Volkswagen Passat are $1,344 a year for full coverage insurance. Comprehensive costs an estimated $260, collision costs $470, and liability coverage costs $456. Buying a liability-only policy costs as little as $508 a year, with high-risk insurance costing around $2,916. Teenage drivers receive the highest rates at $5,132 a year or more.
Annual premium for full coverage: $1,344
Rate estimates for 2014 Volkswagen Passat Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2014 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 the average driver, prices range go from as low as $508 for just liability coverage to the much higher price of $2,916 for a driver that may need high-risk insurance.
These differences illustrate why everyone should compare rates for a targeted area and risk profile, rather than using 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 2014 Volkswagen Passat Insurance
I can’t think of a single person who likes paying for insurance, particularly when the cost is too high.
Drivers have multiple insurance companies to insure vehicles with, and although it’s a good thing to have a selection, so many choices can make it hard to compare rates.
Compare Insurance Coverage Today
There are several ways to get quotes from local insurance coverage companies. One of the best ways to find the cheapest 2014 Volkswagen Passat insurance rates consists of obtaining rate quotes online. This can be done in a couple of different ways.
- One of the simplest ways to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This form keeps you from doing boring form submissions to each individual insurance coverage company. One simple form gets rate comparisons from several companies.
- Another way to find lower rates is spending the time to visit the website of each company to complete their respective quote request forms. For instance, let’s say you want to compare GEICO, Farmers and Progressive. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.
For a list of links to insurance companies in your area, click here.
- The hardest method to compare rates is to drive around to insurance agents’ offices. Buying insurance online can eliminate the need for a local agent unless you have a need for the personal advice of a licensed agent. Drivers can comparison shop online and get advice from an agent in your area and we’ll touch on that later.
Whichever method you choose, double check that you are using the exact same coverage limits with every price quote. If each company quotes different deductibles it will be next to impossible to truly determine the lowest rate. Just a small difference in insurance coverages can result in a big premium difference. Keep in mind that more quotes helps locate a lower rate.
Lower rates by qualifying for discounts
Companies that sell car insurance don’t always publicize every available discount very clearly, so we researched both the well known and also the lesser-known ways to save on auto insurance.
- Bundle and Save – When you combine your home and auto insurance with one company you could get a discount of approximately 10% to 15%.
- Memberships – Participating in certain professional organizations may earn a discount when buying auto insurance on Passat insurance.
- Claim Free – Drivers who don’t have accidents can save substantially compared to accident-prone drivers.
- Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
- Student in College – Any of your kids who live away from home and do not have a car may qualify for this discount.
- Early Signing – Some insurance companies reward drivers for switching to them prior to your current policy expiration. This can save 10% or more.
A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, companies wouldn’t make money that way.
For a list of insurers with the best auto insurance discounts, follow this link.
Car insurance is unique, just like you
When buying coverage, there really is not a cookie cutter policy. Every situation is different so this has to be addressed. Here are some questions about coverages that could help you determine if your situation might need professional guidance.
- Is business equipment covered while in my vehicle?
- Should I buy additional glass protection?
- I don’t drive much so do I pay less?
- When should I drop full coverage on my 2014 Volkswagen Passat?
- Is my custom paint covered by insurance?
- What is the rate difference between pleasure use and commuting?
- At what point should I drop full coverage?
- Can I afford to pay high deductible claims out of pocket?
- Does coverage extend to my business vehicle?
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier
Specific coverages for a 2014 Volkswagen Passat
Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most insurance policies.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for bills for surgery, X-ray expenses, hospital visits, EMT expenses and chiropractic care. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Coverage for liability – Liability coverage will cover damage or injury you incur to a person or their property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability can pay for claims like emergency aid, court costs and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.
Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.
Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as rock chips in glass, a tree branch falling on your vehicle and hitting a bird. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like driving through your garage door, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.
Rates by U.S. City
|New York City, NY||$2,124|
|Los Angeles, CA||$2,298|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$96|
|5-yr Claim Free||$87|
|Paid in Full/EFT||$59|
Discounts are estimated and may not be available from every company or in every state.