Volkswagen Passat Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 26, 2024

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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.

Estimated insurance rates for a Volkswagen Passat are $1,464 a year for full coverage insurance. Comprehensive insurance costs around $308 each year, collision costs $582, and liability insurance costs $416. A liability-only policy costs as little as $474 a year, with high-risk insurance costing $3,178 or more. Teen drivers pay the most at $5,454 a year or more.

Average premium for full coverage: $1,464

Premium estimates for type of coverage:

Comprehensive $308
Collision $582
Liability $416

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Passat models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Volkswagen Passat go from the low end price of $474 for basic liability insurance to a high rate of $3,178 for a high-risk insurance policy.

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

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than larger metro areas.

The graphic below illustrates how your location can change auto insurance rates.

Rural Areas $1,098
Small Cities $1,537
Large Cities $1,976

These rate differences illustrate why all drivers should compare rates for a specific zip code, rather than relying on price averages.

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.

Rate Comparisons

The chart below illustrates estimated Volkswagen Passat insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $837
  • Drivers who choose higher $1,000 deductibles will pay about $202 each year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,464
  • Choosing low deductibles for comprehensive and collision insurance will cost an additional $392 a year
  • High risk drivers with multiple violations and an at-fault accident could pay at least $3,178 or more
  • An auto insurance policy that insures a teen driver can be $5,454 a year

View Chart as Image

Volkswagen Passat insurance cost comparison chart
Column chart showing full coverage Volkswagen Passat insurance prices range from $837 to $5,454

Auto insurance prices for a Volkswagen Passat also have a wide range based on the trim level and model year, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,700 to $2,400 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay as much as $5,400 a year. View Rates by Age

Where you choose to live makes a big difference in Volkswagen Passat insurance rates. A 40-year-old driver could pay as low as $960 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,980 on average in Michigan, New York, and Florida.

Volkswagen Passat Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,324 -$140 -9.6%
Alaska $1,124 -$340 -23.2%
Arizona $1,216 -$248 -16.9%
Arkansas $1,464 -$0 0.0%
California $1,668 $204 13.9%
Colorado $1,400 -$64 -4.4%
Connecticut $1,506 $42 2.9%
Delaware $1,656 $192 13.1%
Florida $1,832 $368 25.1%
Georgia $1,352 -$112 -7.7%
Hawaii $1,052 -$412 -28.1%
Idaho $990 -$474 -32.4%
Illinois $1,092 -$372 -25.4%
Indiana $1,102 -$362 -24.7%
Iowa $988 -$476 -32.5%
Kansas $1,392 -$72 -4.9%
Kentucky $1,998 $534 36.5%
Louisiana $2,168 $704 48.1%
Maine $902 -$562 -38.4%
Maryland $1,208 -$256 -17.5%
Massachusetts $1,170 -$294 -20.1%
Michigan $2,544 $1,080 73.8%
Minnesota $1,224 -$240 -16.4%
Mississippi $1,754 $290 19.8%
Missouri $1,300 -$164 -11.2%
Montana $1,574 $110 7.5%
Nebraska $1,154 -$310 -21.2%
Nevada $1,756 $292 19.9%
New Hampshire $1,056 -$408 -27.9%
New Jersey $1,636 $172 11.7%
New Mexico $1,298 -$166 -11.3%
New York $1,542 $78 5.3%
North Carolina $844 -$620 -42.3%
North Dakota $1,198 -$266 -18.2%
Ohio $1,012 -$452 -30.9%
Oklahoma $1,502 $38 2.6%
Oregon $1,340 -$124 -8.5%
Pennsylvania $1,396 -$68 -4.6%
Rhode Island $1,954 $490 33.5%
South Carolina $1,326 -$138 -9.4%
South Dakota $1,236 -$228 -15.6%
Tennessee $1,282 -$182 -12.4%
Texas $1,766 $302 20.6%
Utah $1,084 -$380 -26.0%
Vermont $1,002 -$462 -31.6%
Virginia $876 -$588 -40.2%
Washington $1,132 -$332 -22.7%
West Virginia $1,342 -$122 -8.3%
Wisconsin $1,014 -$450 -30.7%
Wyoming $1,304 -$160 -10.9%

View Chart as Image

Volkswagen Passat insurance rates by U.S. city

Choosing high deductibles could save up to $600 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $375 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, and quoted prices will be substantially different.

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 $1,338 $112
Volkswagen Passat Komfort 4-Dr Sedan $1,464 $122

Rates assume 2021 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
2022 Volkswagen Passat $320 $596 $398 $1,472
2021 Volkswagen Passat $308 $582 $416 $1,464
2020 Volkswagen Passat $298 $558 $430 $1,444
2019 Volkswagen Passat $282 $538 $442 $1,420
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 Affordable Volkswagen Passat Insurance

Finding better rates on Volkswagen Passat insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around at least every other year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a brief review of the car insurance concepts illustrated above.

  • High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,710 more every year for car insurance
  • It is possible to save up to $180 per year simply by quoting online in advance
  • Increasing policy deductibles can save approximately $600 each year
  • Drivers who may need higher liability limits will pay about $460 annually to go from 30/60 bodily injury limits to the 250/500 level

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.



Rates by Driver Age

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

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

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.

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