Volkswagen Passat Insurance Rates

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Melanie Musson

Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...

Published Insurance Expert

UPDATED: Jun 5, 2023

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Volkswagen Passat insurance

Are you worried about VW Passat insurance costs? Full coverage Volkswagen Passat insurance rates average $1,504, or $125 a month. Read our guide to find out how to save on Volkswagen rates.

Want to dive right into finding savings on Volkswagen Passat insurance rates? Enter your ZIP code in our free tool above.

U.S. average insurance rates for a Volkswagen Passat are $1,210 a year for full coverage insurance. Comprehensive insurance costs on average $224 a year, collision insurance costs $364, and liability coverage costs around $464. Liability-only insurance costs as low as $514 a year, and high-risk driver insurance costs $2,618 or more. Teenage drivers pay the highest rates at up to $4,704 a year.

Average premium for full coverage: $1,210

Price estimates by individual coverage:

Comprehensive $224
Collision $364
Liability $464

Rates are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Passat trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Volkswagen Passat insurance prices range from the low end price of $514 for minimum levels of liability insurance to a high of $2,618 for coverage for higher-risk drivers.

Liability Only $514
Full Coverage $1,210
High Risk $2,618

Geographic Price Range

Where you live has a large influence on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how where you live affects car insurance rates.

Rural Areas $908
Small Cities $1,271
Large Cities $1,634

The ranges above illustrate why it is important to compare prices based on a specific location, rather than using average rates.

Use the form below to get customized rates for your location.

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

Additional Rate Details

The chart below illustrates average Volkswagen Passat insurance rates for different risk profiles and scenarios.

  • The best discount rate is $712
  • Using higher $1,000 deductibles will save around $1,076 each year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,210
  • Using low $100 deductibles for physical damage coverage will cost an additional $258 each year
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,618
  • The price that insures a teenage driver may cost $4,704 or more

View Chart as Image

Volkswagen Passat insurance cost comparison chart
Column chart showing Volkswagen Passat insurance prices range from $712 to $4,704 for full coverage

Car insurance prices for a Volkswagen Passat are also quite variable based on the trim level of your Passat, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can be around 43% to 129% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $4,700 a year. View Rates by Age

The state you live in has a huge impact on Volkswagen Passat insurance rates. A driver around age 40 might see prices as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,640 on average in Michigan, New York, and Florida.

Volkswagen Passat Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,094 -$116 -9.6%
Alaska $928 -$282 -23.3%
Arizona $1,006 -$204 -16.9%
Arkansas $1,210 -$0 0.0%
California $1,380 $170 14.0%
Colorado $1,158 -$52 -4.3%
Connecticut $1,246 $36 3.0%
Delaware $1,372 $162 13.4%
Florida $1,514 $304 25.1%
Georgia $1,118 -$92 -7.6%
Hawaii $870 -$340 -28.1%
Idaho $818 -$392 -32.4%
Illinois $902 -$308 -25.5%
Indiana $912 -$298 -24.6%
Iowa $818 -$392 -32.4%
Kansas $1,152 -$58 -4.8%
Kentucky $1,652 $442 36.5%
Louisiana $1,792 $582 48.1%
Maine $746 -$464 -38.3%
Maryland $1,000 -$210 -17.4%
Massachusetts $970 -$240 -19.8%
Michigan $2,104 $894 73.9%
Minnesota $1,012 -$198 -16.4%
Mississippi $1,450 $240 19.8%
Missouri $1,074 -$136 -11.2%
Montana $1,300 $90 7.4%
Nebraska $954 -$256 -21.2%
Nevada $1,452 $242 20.0%
New Hampshire $872 -$338 -27.9%
New Jersey $1,352 $142 11.7%
New Mexico $1,072 -$138 -11.4%
New York $1,274 $64 5.3%
North Carolina $700 -$510 -42.1%
North Dakota $992 -$218 -18.0%
Ohio $834 -$376 -31.1%
Oklahoma $1,242 $32 2.6%
Oregon $1,110 -$100 -8.3%
Pennsylvania $1,154 -$56 -4.6%
Rhode Island $1,616 $406 33.6%
South Carolina $1,098 -$112 -9.3%
South Dakota $1,022 -$188 -15.5%
Tennessee $1,060 -$150 -12.4%
Texas $1,460 $250 20.7%
Utah $896 -$314 -26.0%
Vermont $830 -$380 -31.4%
Virginia $724 -$486 -40.2%
Washington $936 -$274 -22.6%
West Virginia $1,110 -$100 -8.3%
Wisconsin $840 -$370 -30.6%
Wyoming $1,080 -$130 -10.7%

View Chart as Image

Volkswagen Passat insurance rates by U.S. city

Using high physical damage deductibles could cut prices by as much as $400 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Volkswagen Passat Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volkswagen Passat Komfort Station Wagon $1,092 $91
Volkswagen Passat Komfort 4-Dr Sedan $1,210 $101

Rates assume 2014 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Volkswagen Passat Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Volkswagen Passat $270 $500 $452 $1,380
2017 Volkswagen Passat $260 $470 $456 $1,344
2016 Volkswagen Passat $248 $422 $460 $1,288
2015 Volkswagen Passat $232 $388 $460 $1,238
2014 Volkswagen Passat $224 $364 $464 $1,210
2013 Volkswagen Passat $220 $340 $474 $1,192
2012 Volkswagen Passat $202 $316 $474 $1,150
2010 Volkswagen Passat $184 $262 $474 $1,078
2008 Volkswagen Passat $168 $214 $468 $1,008
2006 Volkswagen Passat $162 $198 $452 $970
2005 Volkswagen Passat $148 $190 $446 $942
2004 Volkswagen Passat $144 $180 $442 $924

Rates are averaged for all Volkswagen Passat models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Cheap Volkswagen Passat Insurance

Getting lower rates on auto insurance requires being a low-risk driver, having a positive credit history, not filing small claims, and possibly raising deductibles. Compare prices at least once a year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a quick review of the primary concepts that were touched on in the above illustrations.

  • It is possible to save as much as $140 per year just by quoting early and online
  • Drivers with a DUI or reckless driving violation may pay on average $1,410 more each year to insure their Passat
  • Increasing physical damage deductibles can save approximately $400 each year
  • Teen drivers are expensive to insure, as much as $392 a month if full coverage is purchased

We want to answer a couple common questions. First, is it expensive to fix a Volkswagen Passat? The average annual repairs costs for a VW Passat is $639 ($113 higher than the midsize car average) but $13 cheaper than all cars average repair costs. So is a Volkswagen Passat a reliable car? It’s has an average record for reliability.

The Volkswagen average price of insurance depends on a driver’s driving record and age, but shopping around will help drivers save. So if you are looking for the cost of 2014 Volkswagen Passet insurance and have a poor driving record, getting quotes will help you save on 2014 Passet costs.

Enter your ZIP code in our free tool below to get started on finding Volkswagen Passat insurance costs and quotes.

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What are the safety ratings of the Volkswagen Passat?

How much does a Passat cost to insure? This answer can depend on how many safety features a VW Passat has and safety ratings. The VW Passat has great safety features: multiple airbags, brake assist, electronic stability control, blind-spot monitor, cross-traffic alert, and more.

The 2020 crash test rating of the Volkswagen Passat also showed great results. The Insurance Institute for Highway Safety (IIHS) gave the 2020 Volkswagen Passat the following ratings:

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

Because good is the highest rating, the 2020 VW Passat did great. Watch the video below for an example of a crash test on the VW Passat.

Volkswagen Passat Compared Against Other Vehicles in the Same Class

The Volkswagen Passat is a midsize car, which means it isn’t likely to do significant damage to other vehicles. This can result in lower liability rates. According to the IIHS, the Volkswagen Passat has average liability losses in comparison to other midsize cars.

Take a look at the other midsize cars below to see how their rates and safety ratings compare to the Volkswagen Passat.

Ready to start comparing Volkswagen Passat insurance rates? Enter your ZIP code in our free tool.

References

  1. https://www.iihs.org/ratings/vehicle/volkswagen/passat-4-door-sedan/2020

Rates by Driver Age

Volkswagen Passat Insurance Rates by Driver Age
Driver Age Premium
16 $4,704
20 $2,784
30 $1,246
40 $1,210
50 $1,108
60 $1,086

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Passat Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,468
$250 $1,348
$500 $1,210
$1,000 $1,076

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Passat Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,210
50/100 $1,303
100/300 $1,419
250/500 $1,720
100 CSL $1,349
300 CSL $1,604
500 CSL $1,790

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Passat Insurance Rates for High Risk Drivers
Age Premium
16 $6,672
20 $4,440
30 $2,658
40 $2,618
50 $2,502
60 $2,478

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 $167

Potential Rate Discounts

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

Discount Savings
Multi-policy $63
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $77
Paid in Full/EFT $50
Advance Quote $57
Online Quote $84
Total Discounts $498
Rate after discounts $712

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

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