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Volkswagen Passat Komfort 4-Dr Sedan Insurance Rates

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The average insurance rates for a Volkswagen Passat Komfort 4-Dr Sedan are $1,510 a year for full coverage insurance. Comprehensive insurance costs approximately $354, collision costs $634, and liability insurance costs around $364. Liability-only coverage costs as low as $430 a year, with high-risk coverage costing $3,260 or more. Teen drivers cost the most to insure at $5,482 a year or more.

Annual premium for full coverage: $1,510

Policy rates by type of coverage:

Comprehensive $354
Collision $634
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Volkswagen Passat Trim Level

For an average driver, Volkswagen Passat Komfort 4-Dr Sedan insurance rates go from the low end price of $430 for just liability coverage to the much higher price of $3,260 for a driver required to buy high-risk insurance.

Liability Only $430
Full Coverage $1,510
High Risk $3,260

These price differences illustrate why everyone should compare prices using their specific location, 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.

Companies with Cheap Volkswagen Passat Komfort 4-Dr Sedan Insurance

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Insurance prices for a Volkswagen Passat Komfort 4-Dr Sedan also range considerably based on the replacement cost of your Passat, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,800 to $2,400 additional every year, depending on your age. Volkswagen Passat Komfort 4-Dr Sedan insurance for high-risk drivers can be anywhere from 44% to 133% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

Your home state has a huge impact on Volkswagen Passat Komfort 4-Dr Sedan insurance rates. A driver around age 40 might see prices as low as $1,180 a year in states like , , and North Carolina, or as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could cut prices by as much as $660 each year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $327 more each year. View Rates by Deductible or Liability Limit

Because prices have so much variability, the only way to figure out which insurance company is cheapest is to regularly compare prices from as many companies as possible. Each insurance company uses a different rate calculation, and rates will be varied.

View Chart as Image

Volkswagen Passat Komfort 4-Dr Sedan insurance cost comparison chart
Column chart showing Volkswagen Passat Komfort 4-Dr Sedan insurance prices range from $862 to $5,482 for full coverage

The chart estimates Volkswagen Passat Komfort 4-Dr Sedan insurance prices for different risks and coverage choices. The lowest price with discounts is $862. Drivers who choose higher $1,000 deductibles will pay $1,288. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,510. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $1,948. High risk drivers could be charged around $3,260. The rate for full coverage for a teenager can be as high as $5,482.

Volkswagen Passat Komfort 4-Dr Sedan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,366 -$144 -9.5%
Alaska $1,158 -$352 -23.3%
Arizona $1,254 -$256 -17.0%
Arkansas $1,510 -$0 0.0%
California $1,722 $212 14.0%
Colorado $1,444 -$66 -4.4%
Connecticut $1,554 $44 2.9%
Delaware $1,710 $200 13.2%
Florida $1,890 $380 25.2%
Georgia $1,396 -$114 -7.5%
Hawaii $1,086 -$424 -28.1%
Idaho $1,022 -$488 -32.3%
Illinois $1,126 -$384 -25.4%
Indiana $1,138 -$372 -24.6%
Iowa $1,020 -$490 -32.5%
Kansas $1,436 -$74 -4.9%
Kentucky $2,062 $552 36.6%
Louisiana $2,236 $726 48.1%
Maine $932 -$578 -38.3%
Maryland $1,246 -$264 -17.5%
Massachusetts $1,210 -$300 -19.9%
Michigan $2,626 $1,116 73.9%
Minnesota $1,264 -$246 -16.3%
Mississippi $1,810 $300 19.9%
Missouri $1,340 -$170 -11.3%
Montana $1,622 $112 7.4%
Nebraska $1,192 -$318 -21.1%
Nevada $1,812 $302 20.0%
New Hampshire $1,090 -$420 -27.8%
New Jersey $1,690 $180 11.9%
New Mexico $1,338 -$172 -11.4%
New York $1,592 $82 5.4%
North Carolina $872 -$638 -42.3%
North Dakota $1,238 -$272 -18.0%
Ohio $1,042 -$468 -31.0%
Oklahoma $1,554 $44 2.9%
Oregon $1,384 -$126 -8.3%
Pennsylvania $1,442 -$68 -4.5%
Rhode Island $2,014 $504 33.4%
South Carolina $1,368 -$142 -9.4%
South Dakota $1,276 -$234 -15.5%
Tennessee $1,324 -$186 -12.3%
Texas $1,820 $310 20.5%
Utah $1,120 -$390 -25.8%
Vermont $1,034 -$476 -31.5%
Virginia $904 -$606 -40.1%
Washington $1,168 -$342 -22.6%
West Virginia $1,384 -$126 -8.3%
Wisconsin $1,048 -$462 -30.6%
Wyoming $1,348 -$162 -10.7%

View Chart as Image

Volkswagen Passat Komfort 4-Dr Sedan insurance rates by U.S. city

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Rates by Driver Age

Volkswagen Passat Komfort 4-Dr Sedan Insurance Rates by Driver Age
Driver Age Premium
16 $5,482
20 $3,478
30 $1,586
40 $1,510
50 $1,376
60 $1,350

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Passat Komfort 4-Dr Sedan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,948
$250 $1,746
$500 $1,510
$1,000 $1,288

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Passat Komfort 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,510
50/100 $1,583
100/300 $1,674
250/500 $1,910
100 CSL $1,619
300 CSL $1,819
500 CSL $1,965

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Passat Komfort 4-Dr Sedan Insurance Rates for High Risk Drivers
Age Premium
16 $7,846
20 $5,524
30 $3,344
40 $3,260
50 $3,110
60 $3,080

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 $209

Potential Rate Discounts

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

Discount Savings
Multi-policy $81
Multi-vehicle $77
Homeowner $21
5-yr Accident Free $115
5-yr Claim Free $98
Paid in Full/EFT $72
Advance Quote $76
Online Quote $108
Total Discounts $648
Rate after discounts $862

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

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