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2016 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: Dec 18, 2019

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Average insurance rates for a 2016 Volkswagen Passat are $1,420 a year for full coverage insurance. Comprehensive insurance costs an estimated $282, collision costs $538, and liability coverage costs $442. Buying a liability-only policy costs as little as $496 a year, with high-risk insurance costing $3,088 or more. Teen drivers receive the highest rates at $5,368 a year or more.

Annual premium for full coverage: $1,420

Rate estimates for 2016 Volkswagen Passat Insurance

Comprehensive $282
Collision $538
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 2016 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 $496 for only liability insurance to the much higher price of $3,088 for a driver that may need high-risk insurance.

Liability Only $496
Full Coverage $1,420
High Risk $3,088

View Chart as Image

2016 Volkswagen Passat insurance rates compared
Column chart showing 2016 Volkswagen Passat insurance prices range from $812 to $5,368 for full coverage

These differences illustrate why everyone should compare rates for a targeted area and risk profile, rather than using 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 2016 Volkswagen Passat Insurance

Searching Companies

Trying to find cheaper insurance coverage rates for your Volkswagen Passat? There isn’t a single person who looks forward to paying for insurance coverage, in particular when they are paying too much. Because there are so many options when it comes to insurance coverage, it is very difficult to pick the lowest cost insurer.

How much does insurance cost?

Finding cheaper insurance rates doesn’t have to be difficult. The only thing you need to do is take the time comparing price quotes provided by online insurance companies. Comparing prices online can be done by following the guidelines below.

The recommended way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This method keeps you from doing separate quote forms for every prospective company. A single, simple form gets insurance cost estimates instantly.

A more difficult way to analyze rates consists of going to the website for each individual company and fill out a new quote form. For examples sake, we’ll pretend you need rates from State Farm, Safeco and Liberty Mutual. You would need to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method.

For a handy list of car insurance company links in your area, click here.

Even if you have time, the least recommended method to compare rates is to waste gas driving to each insurance agency near you. Quoting online eliminates the need for an insurance agent unless you have a complicated situation and need the guidance that can only be provided by a licensed insurance agent. Although, it is possible find lower rates online and have a local agent actually service the policy.

You can use whichever method you prefer to find lower rates, just ensure you are comparing the exact same quote data for each comparison quote. If you are comparing higher or lower deductibles it will be next to impossible to determine the lowest rate for your Volkswagen Passat.

Cheaper rates with these five discounts

Some companies do not advertise the complete list of policy discounts very well, so the list below gives a summary of both the well known as well as some of the hidden credits available to bring down your rates.

  • Fewer Miles Equal More Savings – Keeping the miles down on your Volkswagen could qualify for substantially lower prices.
  • Paperwork-free – Some of the larger companies may give you up to $50 for buying your policy online.
  • Include Life Insurance and Save – Some companies give a break if you buy some life insurance too.
  • Senior Citizen Rates – Seniors can possibly qualify for a small discount on rates on Passat coverage.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use their safety belts may be able to save a few bucks on the medical payments or PIP coverage costs.

One last thing about discounts, most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, companies wouldn’t make money that way.

If you would like to see a list of companies who offer cheap insurance quotes, click this link.

Car insurance can be complex

When buying adequate coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions may help you determine whether you might need an agent’s assistance.

  • Does medical payments coverage apply to all occupants?
  • Am I covered when using my vehicle for business?
  • Is my teen driver covered when they drive my company car?
  • Why is insurance for a teen driver so high?
  • Is rental equipment covered for theft or damage?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I pay less for low miles?
  • What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can help protect your family.

Free Auto Insurance Comparison

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

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Insurance coverage breakdown

Knowing the specifics of insurance can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.

Comprehensive coverages

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like theft, hail damage, damage from getting keyed, damage from flooding and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages

This coverage will cover injuries or damage you cause to people or other property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has 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 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like funeral expenses, pain and suffering and loss of income. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Collision coverage protection

This coverage covers damage to your Passat resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with a tree, rolling your car, hitting a parking meter, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also raise the deductible to bring the cost down.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills such as prosthetic devices, hospital visits, nursing services and pain medications. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Power to the consumer

You just read a lot of information how to get a better price on 2016 Volkswagen Passat insurance. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest car insurance rates come from some of the smallest insurance companies. Regional companies often have lower premium rates on specific markets than the large multi-state companies such as Allstate and Progressive.

Cheap 2016 Volkswagen Passat insurance is attainable on the web as well as from insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers may not provide online price quotes and most of the time these smaller providers sell through independent insurance agents.

As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced liability limits or collision coverage only to find out they didn’t have enough coverage. Your strategy should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Additional learning opportunities

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2016 Volkswagen Passat Insurance Rates by City
City Premium
New York City, NY $2,244
Los Angeles, CA $2,427
Philadelphia, PA $1,896
Jacksonville, FL $2,060
Phoenix, AZ $1,652
Chicago, IL $1,904
Houston, TX $2,223
Seattle, WA $1,386
Columbus, OH $1,188
Indianapolis, IN $1,209

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2016 Volkswagen Passat Insurance 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

2016 Volkswagen Passat Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,782
$250 $1,614
$500 $1,420
$1,000 $1,234

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Passat Insurance Rates with Different Liability Limits
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

2016 Volkswagen Passat Insurance 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.

SR-22 Surcharge $201

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
Rate after discounts $812

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

Find companies with the cheapest rates in your area

2016 Volkswagen Passat Insurance Rates by State
State Premium
Alabama $1,284
Alaska $1,090
Arizona $1,180
Arkansas $1,420
California $1,618
Colorado $1,356
Connecticut $1,460
Delaware $1,606
Florida $1,776
Georgia $1,310
Hawaii $1,020
Idaho $960
Illinois $1,058
Indiana $1,070
Iowa $958
Kansas $1,350
Kentucky $1,938
Louisiana $2,102
Maine $876
Maryland $1,172
Massachusetts $1,136
Michigan $2,466
Minnesota $1,188
Mississippi $1,700
Missouri $1,260
Montana $1,526
Nebraska $1,120
Nevada $1,704
New Hampshire $1,022
New Jersey $1,588
New Mexico $1,258
New York $1,496
North Carolina $818
North Dakota $1,162
Ohio $982
Oklahoma $1,458
Oregon $1,300
Pennsylvania $1,354
Rhode Island $1,896
South Carolina $1,286
South Dakota $1,200
Tennessee $1,244
Texas $1,710
Utah $1,052
Vermont $972
Virginia $850
Washington $1,100
West Virginia $1,302
Wisconsin $982
Wyoming $1,264

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