Volkswagen Passat Insurance Rates
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UPDATED: Jun 3, 2023
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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 auto insurance rates for a Volkswagen Passat are $1,210 annually for full coverage. Comprehensive insurance costs an estimated $224 each year, collision costs $364, and liability coverage is estimated at $464. A liability-only policy costs approximately $514 a year, with high-risk insurance costing $2,618 or more. Teen drivers pay the most at $4,704 a year or more.
Average premium for full coverage: $1,210
Premium estimates broken down by type of coverage:
Prices include $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and Passat models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Volkswagen Passat go from as cheap as $514 for minimum levels of liability insurance to a high rate of $2,618 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city has a large influence on insurance rates. More rural locations are statistically proven to have fewer accident claims than larger metro areas.
The graphic below illustrates the effect of geographic area on insurance prices.
These rate differences show why all drivers should get quotes for a targeted area and their own personal driving habits, rather than using 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.
Additional Rate Details
The chart below shows estimated Volkswagen Passat insurance rates for other coverage scenarios.
- The lowest rate with discounts is $712
- Choosing higher $1,000 deductibles can save approximately $134 a year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,210
- Choosing low deductibles for comp and collision coverage costs an additional $258 each year
- Drivers with multiple violations and an at-fault accident could pay up to $2,618 or more
- An auto insurance policy with full coverage for a teenage driver can cost as much as $4,704 each year
Auto insurance prices for a Volkswagen Passat also have a wide range based on the model of your Passat, your driver profile, and liability limits and deductibles.
More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay at least $4,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying $1,400 to $2,000 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges around 43% to 129% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $400 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $417 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Volkswagen Passat insurance rates. A good driver about age 40 could pay as low as $800 a year in states like Iowa, Maine, and Idaho, or as much as $1,730 on average in New York, Louisiana, and Michigan.
| 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% |
With such a large range in prices, the only way to know which insurance company is cheapest is to do a rate comparison and see how they stack up. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy the Right Volkswagen Passat Insurance
Finding better rates on auto insurance takes being a safe and courteous driver, having above-average credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates every year by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
Below is a quick rundown of the coverage data covered in the above illustrations.
- Drivers can save approximately $140 per year simply by quoting online in advance
- Increasing policy deductibles could save up to $400 each year
- Teenage drivers are the costliest to insure, as much as $392 per month if full coverage is included
- Drivers with reckless driving or DUI convictions may pay on average $1,410 more annually for auto insurance
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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,468 |
| $250 | $1,348 |
| $500 | $1,210 |
| $1,000 | $1,076 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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