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2018 Volkswagen Passat Insurance Rates

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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: Nov 19, 2019

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Average insurance rates for a 2018 Volkswagen Passat are $1,464 a year with full coverage. Comprehensive insurance costs approximately $308, collision insurance costs $582, and liability insurance costs around $416. Buying a liability-only policy costs as low as $474 a year, and high-risk insurance costs $3,178 or more. Teenage drivers receive the highest rates at up to $5,454 a year.

Annual premium for full coverage: $1,464

Rate estimates for 2018 Volkswagen Passat Insurance

Comprehensive $308
Collision $582
Liability $416

Rate data is compiled from all 50 U.S. states and averaged for all 2018 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 $474 for just liability coverage to the much higher price of $3,178 for a high risk driver.

Liability Only $474
Full Coverage $1,464
High Risk $3,178

View Chart as Image

2018 Volkswagen Passat insurance rates compared
Column chart showing 2018 Volkswagen Passat insurance prices range from $837 to $5,454 for full coverage

These differences demonstrate why everyone should compare prices using their specific location and risk profile, rather than relying on 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 2018 Volkswagen Passat Insurance

Searching Companies

Being forced to pay for expensive car insurance premiums can stress out your checking account and make it tough to pay other bills. Many auto insurance companies compete for your business, so it’s not easy to compare every insurer to discover the definitive lowest rate possible.

If you have a current insurance coverage policy or are shopping for new coverage, you will benefit by learning to shop for the lowest rates while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Drivers only need an understanding of the tricks to shop their coverage around over the internet.

Earn discounts to get lower-cost car insurance quotes

Buying car insurance is not cheap, but you can get discounts that many consumers don’t even know exist. Most are applied when you quote, but a few must be asked about prior to receiving the credit.

  • No Claims – Insureds who avoid accidents and claims get the best car insurance rates compared to insureds who have frequent claims or accidents.
  • Mature Driver Discount – Seniors may be able to get a discount up to 10% on Passat coverage.
  • Defensive Driver – Successfully completing a course in safe driver could save 5% or more if you qualify.
  • Student Driver Training – Teen drivers should sucessfully take a drivers education course in school or through a local driver safety program.
  • Sign Early and Save – Some car insurance companies reward drivers for renewing your policy prior to your current policy expiring. This can save 10% or more.
  • Bundle and Save – If you can combine your home and auto policy and place coverage with the same company you may save up to 20% off your total premium.

Policy discounts save money, but some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky.

Larger car insurance companies and some of their more popular discounts are included below.

  • Farm Bureau offers premium reductions for multi-policy, youthful driver, renewal discount, multi-vehicle, and driver training.
  • State Farm has savings for accident-free, good student, multiple autos, Steer Clear safe driver discount, safe vehicle, driver’s education, and anti-theft.
  • Progressive may offer discounts for homeowner, multi-policy, continuous coverage, good student, and online signing.
  • Allstate may have discounts that include anti-theft, passive restraint, eSmart discount, auto/life discount, new car, early signing, and 55 and retired.
  • Nationwide has discounts for anti-theft, easy pay, accident-free, Farm Bureau membership, and family plan.
  • MetLife policyholders can earn discounts including claim-free, good student, accident-free, good driver, multi-policy, defensive driver

If you need affordable insurance coverage quotes, ask each insurance company what discounts are available to you. A few discounts may not apply to policyholders everywhere. To see a list of companies that offer the discounts shown above, click here.

Free Auto Insurance Comparison

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Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Is my Volkswagen Passat covered if I use it for business?
  • Does having multiple vehicles earn me a discount?
  • Why does it cost so much to insure a teen driver?
  • Is rental equipment covered for theft or damage?
  • Do I have coverage if my license is suspended?
  • Are rock chip repairs covered?
  • When would I need rental car insurance?
  • What is PIP insurance?
  • Where can I get insurance after a DUI in my state?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Insurance coverages 101

Understanding the coverages of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like funeral costs, dental work and doctor visits. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Volkswagen Passat.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Liability insurance

This can cover damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things such as loss of income, bail bonds, court costs and structural damage. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, rock chips in glass, falling objects, hail damage and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision protection

This coverage covers damage to your Passat caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as backing into a parked car, colliding with a tree, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Don’t throw your cash in the trash

Discount 2018 Volkswagen Passat insurance is available from both online companies in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers may not provide rates over the internet and most of the time these smaller providers provide coverage only through local independent agencies.

When shopping online for auto insurance, do not skimp on coverage in order to save money. There have been many situations where someone dropped liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. The goal is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Throughout this article, we presented a lot of information how to compare 2018 Volkswagen Passat insurance prices online. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers could even find that the best price on auto insurance is with a lesser-known regional company. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm or Progressive.

Use our FREE quote tool to compare insurance rates now!

Additional information

Rates by U.S. City

2018 Volkswagen Passat Insurance Rates by City
City Premium
New York City, NY $2,313
Los Angeles, CA $2,502
Philadelphia, PA $1,954
Jacksonville, FL $2,125
Phoenix, AZ $1,702
Chicago, IL $1,966
Houston, TX $2,296
Seattle, WA $1,426
Columbus, OH $1,225
Indianapolis, IN $1,245

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2018 Volkswagen Passat Insurance Rates by Driver Age
Driver Age Premium
16 $5,454
20 $3,390
30 $1,528
40 $1,464
50 $1,338
60 $1,312

Full coverage, $500 deductibles

Rates by Deductible

2018 Volkswagen Passat Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,856
$250 $1,676
$500 $1,464
$1,000 $1,262

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Passat Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,464
50/100 $1,547
100/300 $1,651
250/500 $1,922
100 CSL $1,589
300 CSL $1,818
500 CSL $1,984

Full coverage, driver age 40

Rates for High Risk Drivers

2018 Volkswagen Passat Insurance Rates for High Risk Drivers
Age Premium
16 $7,792
20 $5,400
30 $3,250
40 $3,178
50 $3,032
60 $3,004

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 $206

Potential Rate Discounts

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

Discount Savings
Multi-policy $78
Multi-vehicle $77
Homeowner $21
5-yr Accident Free $110
5-yr Claim Free $95
Paid in Full/EFT $68
Advance Quote $74
Online Quote $104
Total Discounts $627
Rate after discounts $837

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

Find companies with the cheapest rates in your area

2018 Volkswagen Passat Insurance Rates by State
State Premium
Alabama $1,324
Alaska $1,124
Arizona $1,216
Arkansas $1,464
California $1,668
Colorado $1,400
Connecticut $1,506
Delaware $1,656
Florida $1,832
Georgia $1,352
Hawaii $1,052
Idaho $990
Illinois $1,092
Indiana $1,102
Iowa $988
Kansas $1,392
Kentucky $1,998
Louisiana $2,168
Maine $902
Maryland $1,208
Massachusetts $1,170
Michigan $2,544
Minnesota $1,224
Mississippi $1,754
Missouri $1,300
Montana $1,574
Nebraska $1,154
Nevada $1,756
New Hampshire $1,056
New Jersey $1,636
New Mexico $1,298
New York $1,542
North Carolina $844
North Dakota $1,198
Ohio $1,012
Oklahoma $1,502
Oregon $1,340
Pennsylvania $1,396
Rhode Island $1,954
South Carolina $1,326
South Dakota $1,236
Tennessee $1,282
Texas $1,766
Utah $1,084
Vermont $1,002
Virginia $876
Washington $1,132
West Virginia $1,342
Wisconsin $1,014
Wyoming $1,304

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