Volkswagen Passat Insurance Rates
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Written by
Jeffrey Johnson
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UPDATED: Apr 30, 2020
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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.
Average insurance rates for a Volkswagen Passat are $1,480 a year with full coverage. Comprehensive insurance costs an estimated $332, collision insurance costs $600, and liability is estimated at $390. Liability-only coverage costs approximately $452 a year, and high-risk coverage costs $3,204 or more. 16-year-old drivers receive the highest rates at up to $5,442 a year.
Average premium for full coverage: $1,480
Rate estimates broken down by individual coverage type:
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 $452 for your basic liability-only policy to the much higher price of $3,204 for a policy for a high-risk driver.
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.
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 $846
- Choosing higher $1,000 deductibles can save approximately $212 annually
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,480
- Buying pricier low deductibles for comp and collision coverage will cost an additional $414 annually
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,204
- The cost that insures a 16-year-old driver for full coverage can cost as much as $5,442 each year
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 $1,800 to $2,400 extra per year, depending on your age. Volkswagen Passat insurance for high-risk drivers ranges from 44% to 136% 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 $1,070 a year in states like Utah, Ohio, and New Hampshire, or at least $2,000 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,340 | -$140 | -9.5% |
| Alaska | $1,136 | -$344 | -23.2% |
| Arizona | $1,230 | -$250 | -16.9% |
| Arkansas | $1,480 | -$0 | 0.0% |
| California | $1,688 | $208 | 14.1% |
| Colorado | $1,416 | -$64 | -4.3% |
| Connecticut | $1,524 | $44 | 3.0% |
| Delaware | $1,678 | $198 | 13.4% |
| Florida | $1,854 | $374 | 25.3% |
| Georgia | $1,370 | -$110 | -7.4% |
| Hawaii | $1,064 | -$416 | -28.1% |
| Idaho | $1,004 | -$476 | -32.2% |
| Illinois | $1,104 | -$376 | -25.4% |
| Indiana | $1,116 | -$364 | -24.6% |
| Iowa | $1,000 | -$480 | -32.4% |
| Kansas | $1,408 | -$72 | -4.9% |
| Kentucky | $2,022 | $542 | 36.6% |
| Louisiana | $2,194 | $714 | 48.2% |
| Maine | $914 | -$566 | -38.2% |
| Maryland | $1,222 | -$258 | -17.4% |
| Massachusetts | $1,186 | -$294 | -19.9% |
| Michigan | $2,576 | $1,096 | 74.1% |
| Minnesota | $1,240 | -$240 | -16.2% |
| Mississippi | $1,774 | $294 | 19.9% |
| Missouri | $1,316 | -$164 | -11.1% |
| Montana | $1,592 | $112 | 7.6% |
| Nebraska | $1,170 | -$310 | -20.9% |
| Nevada | $1,776 | $296 | 20.0% |
| New Hampshire | $1,068 | -$412 | -27.8% |
| New Jersey | $1,658 | $178 | 12.0% |
| New Mexico | $1,312 | -$168 | -11.4% |
| New York | $1,560 | $80 | 5.4% |
| North Carolina | $854 | -$626 | -42.3% |
| North Dakota | $1,214 | -$266 | -18.0% |
| Ohio | $1,024 | -$456 | -30.8% |
| Oklahoma | $1,522 | $42 | 2.8% |
| Oregon | $1,356 | -$124 | -8.4% |
| Pennsylvania | $1,416 | -$64 | -4.3% |
| Rhode Island | $1,978 | $498 | 33.6% |
| South Carolina | $1,344 | -$136 | -9.2% |
| South Dakota | $1,250 | -$230 | -15.5% |
| Tennessee | $1,300 | -$180 | -12.2% |
| Texas | $1,786 | $306 | 20.7% |
| Utah | $1,096 | -$384 | -25.9% |
| Vermont | $1,014 | -$466 | -31.5% |
| Virginia | $888 | -$592 | -40.0% |
| Washington | $1,144 | -$336 | -22.7% |
| West Virginia | $1,360 | -$120 | -8.1% |
| Wisconsin | $1,026 | -$454 | -30.7% |
| Wyoming | $1,322 | -$158 | -10.7% |
Opting for high physical damage deductibles can save as much as $630 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 $351 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volkswagen Passat Komfort Station Wagon | $1,358 | $113 |
| Volkswagen Passat Komfort 4-Dr Sedan | $1,480 | $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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Volkswagen Passat | $332 | $600 | $390 | $1,480 |
| 2019 Volkswagen Passat | $320 | $596 | $398 | $1,472 |
| 2018 Volkswagen Passat | $308 | $582 | $416 | $1,464 |
| 2017 Volkswagen Passat | $298 | $558 | $430 | $1,444 |
| 2016 Volkswagen Passat | $282 | $538 | $442 | $1,420 |
| 2015 Volkswagen Passat | $270 | $500 | $452 | $1,380 |
| 2014 Volkswagen Passat | $260 | $470 | $456 | $1,344 |
| 2013 Volkswagen Passat | $248 | $422 | $460 | $1,288 |
| 2012 Volkswagen Passat | $232 | $388 | $460 | $1,238 |
| 2010 Volkswagen Passat | $220 | $340 | $474 | $1,192 |
| 2009 Volkswagen Passat | $202 | $316 | $474 | $1,150 |
| 2008 Volkswagen Passat | $198 | $286 | $478 | $1,120 |
| 2007 Volkswagen Passat | $184 | $262 | $474 | $1,078 |
| 2006 Volkswagen Passat | $174 | $238 | $474 | $1,044 |
| 2005 Volkswagen Passat | $168 | $214 | $468 | $1,008 |
| 2004 Volkswagen Passat | $166 | $208 | $460 | $992 |
| 2003 Volkswagen Passat | $162 | $198 | $452 | $970 |
| 2002 Volkswagen Passat | $148 | $190 | $446 | $942 |
| 2001 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.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,442 |
| 20 | $3,416 |
| 30 | $1,552 |
| 40 | $1,480 |
| 50 | $1,354 |
| 60 | $1,326 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,894 |
| $250 | $1,704 |
| $500 | $1,480 |
| $1,000 | $1,268 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,480 |
| 50/100 | $1,558 |
| 100/300 | $1,656 |
| 250/500 | $1,909 |
| 100 CSL | $1,597 |
| 300 CSL | $1,812 |
| 500 CSL | $1,968 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,780 |
| 20 | $5,432 |
| 30 | $3,280 |
| 40 | $3,204 |
| 50 | $3,054 |
| 60 | $3,028 |
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 | $79 |
| Multi-vehicle | $77 |
| Homeowner | $21 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $96 |
| Paid in Full/EFT | $70 |
| Advance Quote | $74 |
| Online Quote | $106 |
| Total Discounts | $634 |
Discounts are estimated and may not be available from every company or in every state.
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