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.

The average auto insurance rates for a Volkswagen Passat are $1,238 annually for full coverage insurance. Comprehensive insurance costs an estimated $232 a year, collision insurance costs $388, and liability costs $460. Buying just liability costs as little as $510 a year, and insurance for high-risk drivers costs $2,680 or more. Teenage drivers cost the most to insure at up to $4,792 a year.

Average premium for full coverage: $1,238

Policy rates broken down by type of insurance:

Comprehensive $232
Collision $388
Liability $460

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Passat trim levels.

Price Range Variability

For the normal driver, Volkswagen Passat insurance rates range from as cheap as $510 for your basic liability-only policy to a high of $2,680 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,238
High Risk $2,680

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. More rural locations are shown to have fewer physical damage claims than densely populated cities. The diagram below illustrates how geographic area affects insurance prices.

Rural Areas $929
Small Cities $1,300
Large Cities $1,671

The examples above illustrate why it is important to compare rates for a targeted area and their own personal driving habits, instead of 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.

More Rate Information

The chart below illustrates average Volkswagen Passat insurance rates for other coverage scenarios.

  • The best discount rate is $726
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,096 each year
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,238
  • Using low $100 deductibles for comprehensive and collision insurance costs an additional $272 every year
  • Higher-risk drivers who are prone to accidents and violations could pay up to $2,680
  • Policy cost with full coverage for a teen driver can cost as much as $4,792 a year

View Chart as Image

Volkswagen Passat insurance cost comparison chart
Column chart showing Volkswagen Passat insurance prices range from $726 to $4,792 for full coverage

Insurance rates for a Volkswagen Passat also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $420 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Volkswagen Passat insurance prices. A 40-year-old driver could pay as low as $810 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,670 on average in Florida, New York, and Michigan.

Volkswagen Passat Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,120 -$118 -9.5%
Alaska $950 -$288 -23.3%
Arizona $1,030 -$208 -16.8%
Arkansas $1,238 -$0 0.0%
California $1,412 $174 14.1%
Colorado $1,184 -$54 -4.4%
Connecticut $1,274 $36 2.9%
Delaware $1,402 $164 13.2%
Florida $1,548 $310 25.0%
Georgia $1,142 -$96 -7.8%
Hawaii $890 -$348 -28.1%
Idaho $838 -$400 -32.3%
Illinois $922 -$316 -25.5%
Indiana $932 -$306 -24.7%
Iowa $836 -$402 -32.5%
Kansas $1,176 -$62 -5.0%
Kentucky $1,690 $452 36.5%
Louisiana $1,832 $594 48.0%
Maine $766 -$472 -38.1%
Maryland $1,022 -$216 -17.4%
Massachusetts $992 -$246 -19.9%
Michigan $2,152 $914 73.8%
Minnesota $1,036 -$202 -16.3%
Mississippi $1,482 $244 19.7%
Missouri $1,098 -$140 -11.3%
Montana $1,330 $92 7.4%
Nebraska $978 -$260 -21.0%
Nevada $1,484 $246 19.9%
New Hampshire $894 -$344 -27.8%
New Jersey $1,386 $148 12.0%
New Mexico $1,098 -$140 -11.3%
New York $1,304 $66 5.3%
North Carolina $714 -$524 -42.3%
North Dakota $1,014 -$224 -18.1%
Ohio $856 -$382 -30.9%
Oklahoma $1,272 $34 2.7%
Oregon $1,136 -$102 -8.2%
Pennsylvania $1,182 -$56 -4.5%
Rhode Island $1,654 $416 33.6%
South Carolina $1,122 -$116 -9.4%
South Dakota $1,046 -$192 -15.5%
Tennessee $1,086 -$152 -12.3%
Texas $1,492 $254 20.5%
Utah $916 -$322 -26.0%
Vermont $846 -$392 -31.7%
Virginia $742 -$496 -40.1%
Washington $960 -$278 -22.5%
West Virginia $1,136 -$102 -8.2%
Wisconsin $858 -$380 -30.7%
Wyoming $1,106 -$132 -10.7%

View Chart as Image

Volkswagen Passat insurance rates by U.S. city

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 $1,118 $93
Volkswagen Passat Komfort 4-Dr Sedan $1,238 $103

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 $282 $538 $442 $1,420
2017 Volkswagen Passat $270 $500 $452 $1,380
2016 Volkswagen Passat $260 $470 $456 $1,344
2015 Volkswagen Passat $248 $422 $460 $1,288
2014 Volkswagen Passat $232 $388 $460 $1,238
2013 Volkswagen Passat $224 $364 $464 $1,210
2012 Volkswagen Passat $220 $340 $474 $1,192
2010 Volkswagen Passat $198 $286 $478 $1,120
2008 Volkswagen Passat $174 $238 $474 $1,044
2006 Volkswagen Passat $166 $208 $460 $992
2005 Volkswagen Passat $162 $198 $452 $970
2004 Volkswagen Passat $148 $190 $446 $942
2003 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 Buy Affordable Volkswagen Passat Insurance

Finding cheaper rates on car insurance not only requires being safe and accident-free, but also having a good credit history, being claim-free, and deciding if full coverage is necessary. Invest the time to compare rates once a year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief review of the data that was presented in the illustrations above.

  • It is possible to save approximately $150 per year just by quoting early and online
  • Policyholders who want more liability protection will pay an extra $510 annually to go from a 30/60 limit to higher 250/500 limits
  • Youthful drivers are charged the highest rates, possibly costing $399 each month including comprehensive and collision insurance
  • Higher risk drivers with DUI or reckless driving convictions may pay on average $1,440 more annually than a low-risk driver

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 $4,792
20 $2,854
30 $1,278
40 $1,238
50 $1,134
60 $1,112

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Passat Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,510
$250 $1,384
$500 $1,238
$1,000 $1,096

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Passat Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,238
50/100 $1,330
100/300 $1,445
250/500 $1,744
100 CSL $1,376
300 CSL $1,629
500 CSL $1,813

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Passat Insurance Rates for High Risk Drivers
Age Premium
16 $6,800
20 $4,546
30 $2,724
40 $2,680
50 $2,562
60 $2,538

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 $171

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $85
5-yr Claim Free $79
Paid in Full/EFT $52
Advance Quote $59
Online Quote $86
Total Discounts $512
Rate after discounts $726

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

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