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Volkswagen Passat Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Dec 3, 2021

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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.

Average insurance rates for a Volkswagen Passat are $1,472 a year with full coverage. Comprehensive insurance costs an estimated $320, collision insurance costs $596, and liability is estimated at $398. Liability-only coverage costs approximately $460 a year, and high-risk coverage costs $3,190 or more. 16-year-old drivers receive the highest rates at up to $5,446 a year.

Average premium for full coverage: $1,472

Rate estimates broken down by individual coverage type:

Comprehensive $320
Collision $596
Liability $398

Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for all Passat models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the low end price of $460 for your basic liability-only policy to the much higher price of $3,190 for a policy for a high-risk driver.

Liability Only $460
Full Coverage $1,472
High Risk $3,190

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. More rural locations tend to have lower incidents of collision claims than congested cities. The example below illustrates how rural and urban location affects insurance prices.

Rural Areas $1,104
Small Cities $1,546
Large Cities $1,987

These examples demonstrate why everyone should get quotes for a targeted area, instead of making a decision based on rate 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.

More Rate Information

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

  • The best full coverage rate is $840
  • Choosing higher $1,000 deductibles can save approximately $210 annually
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,472
  • Buying pricier low deductibles for comp and collision coverage will cost an additional $404 annually
  • Higher-risk drivers with multiple tickets or accidents could pay up to $3,190
  • The cost that insures a 16-year-old driver for full coverage can cost as much as $5,446 each year

View Chart as Image

Volkswagen Passat insurance cost comparison chart
Column chart showing Volkswagen Passat insurance prices range from $840 to $5,446 for full coverage

Car insurance rates for a Volkswagen Passat can also vary considerably based on the model of your Passat, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,700 to $2,400 extra per year, depending on your age. Volkswagen Passat insurance for high-risk drivers ranges from 44% to 129% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,400 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged at least $5,400 a year. View Rates by Age

Where you live plays a big part in determining prices for Volkswagen Passat insurance prices. A good driver about age 40 could pay as low as $1,060 a year in states like Utah, Ohio, and New Hampshire, or at least $1,990 on average in New York, Michigan, and Florida.

Volkswagen Passat Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,330 -$142 -9.6%
Alaska $1,128 -$344 -23.4%
Arizona $1,220 -$252 -17.1%
Arkansas $1,472 -$0 0.0%
California $1,678 $206 14.0%
Colorado $1,406 -$66 -4.5%
Connecticut $1,514 $42 2.9%
Delaware $1,666 $194 13.2%
Florida $1,840 $368 25.0%
Georgia $1,358 -$114 -7.7%
Hawaii $1,058 -$414 -28.1%
Idaho $996 -$476 -32.3%
Illinois $1,098 -$374 -25.4%
Indiana $1,108 -$364 -24.7%
Iowa $994 -$478 -32.5%
Kansas $1,400 -$72 -4.9%
Kentucky $2,010 $538 36.5%
Louisiana $2,178 $706 48.0%
Maine $908 -$564 -38.3%
Maryland $1,214 -$258 -17.5%
Massachusetts $1,178 -$294 -20.0%
Michigan $2,558 $1,086 73.8%
Minnesota $1,232 -$240 -16.3%
Mississippi $1,764 $292 19.8%
Missouri $1,308 -$164 -11.1%
Montana $1,582 $110 7.5%
Nebraska $1,162 -$310 -21.1%
Nevada $1,764 $292 19.8%
New Hampshire $1,062 -$410 -27.9%
New Jersey $1,646 $174 11.8%
New Mexico $1,304 -$168 -11.4%
New York $1,552 $80 5.4%
North Carolina $850 -$622 -42.3%
North Dakota $1,206 -$266 -18.1%
Ohio $1,018 -$454 -30.8%
Oklahoma $1,514 $42 2.9%
Oregon $1,348 -$124 -8.4%
Pennsylvania $1,404 -$68 -4.6%
Rhode Island $1,964 $492 33.4%
South Carolina $1,336 -$136 -9.2%
South Dakota $1,242 -$230 -15.6%
Tennessee $1,290 -$182 -12.4%
Texas $1,774 $302 20.5%
Utah $1,090 -$382 -26.0%
Vermont $1,008 -$464 -31.5%
Virginia $882 -$590 -40.1%
Washington $1,138 -$334 -22.7%
West Virginia $1,348 -$124 -8.4%
Wisconsin $1,018 -$454 -30.8%
Wyoming $1,310 -$162 -11.0%

View Chart as Image

Volkswagen Passat insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $620 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 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 $1,346 $112
Volkswagen Passat Komfort 4-Dr Sedan $1,472 $123

Rates assume 2020 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
2020 Volkswagen Passat $320 $596 $398 $1,472
2019 Volkswagen Passat $308 $582 $416 $1,464
2018 Volkswagen Passat $298 $558 $430 $1,444
2017 Volkswagen Passat $282 $538 $442 $1,420
2016 Volkswagen Passat $270 $500 $452 $1,380
2015 Volkswagen Passat $260 $470 $456 $1,344
2014 Volkswagen Passat $248 $422 $460 $1,288
2013 Volkswagen Passat $232 $388 $460 $1,238
2012 Volkswagen Passat $224 $364 $464 $1,210
2010 Volkswagen Passat $202 $316 $474 $1,150
2009 Volkswagen Passat $198 $286 $478 $1,120
2008 Volkswagen Passat $184 $262 $474 $1,078
2007 Volkswagen Passat $174 $238 $474 $1,044
2006 Volkswagen Passat $168 $214 $468 $1,008
2005 Volkswagen Passat $166 $208 $460 $992
2004 Volkswagen Passat $162 $198 $452 $970
2003 Volkswagen Passat $148 $190 $446 $942
2002 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 Right Volkswagen Passat Insurance

Saving money on insurance for a Volkswagen Passat takes having a decent driving record, having a positive credit history, eliminating unnecessary coverage, and possibly higher deductibles. Comparison shop every year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a quick rundown of the coverage data raised in the charts and tables above.

  • You may be able to save approximately $180 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles can save approximately $625 each year
  • 16 to 18-year-old drivers have the highest car insurance rates, with premiums as much as $454 per month if full coverage is purchased
  • Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,720 more annually than a driver with a clean driving record

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.


  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 $5,446
20 $3,406
30 $1,540
40 $1,472
50 $1,344
60 $1,318

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Passat Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,876
$250 $1,688
$500 $1,472
$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 $1,472
50/100 $1,552
100/300 $1,651
250/500 $1,910
100 CSL $1,591
300 CSL $1,810
500 CSL $1,970

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Passat Insurance Rates for High Risk Drivers
Age Premium
16 $7,782
20 $5,416
30 $3,266
40 $3,190
50 $3,044
60 $3,018

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 $79
Multi-vehicle $77
Homeowner $21
5-yr Accident Free $111
5-yr Claim Free $96
Paid in Full/EFT $69
Advance Quote $74
Online Quote $105
Total Discounts $632
Rate after discounts $840

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

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