Volkswagen Passat Insurance Rates
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UPDATED: Jun 5, 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.
Average insurance rates for a Volkswagen Passat are $1,210 a year including full coverage. Comprehensive insurance costs approximately $224 each year, collision costs $364, and liability coverage costs around $464. Buying just liability costs as low as $514 a year, with insurance for high-risk drivers costing $2,618 or more. Teens receive the highest rates at $4,704 a year or more.
Average premium for full coverage: $1,210
Rate estimates by individual coverage type:
Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Passat models.
Price Range by Coverage and Risk
For an average driver, prices range go from the low end price of $514 for a discount liability-only rate to a high rate of $2,618 for high-risk insurance.
Price Range by Location
Where you live has a large influence on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates the effect of geographic area on auto insurance prices.
These examples highlight why all drivers should compare prices using their specific location, rather than using averaged prices.
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.
Rates by State, City, and Model
The chart below breaks down estimated Volkswagen Passat insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $712
- Using higher $1,000 deductibles will save $134 every year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,210
- Selecting low deductibles for physical damage coverage will cost an additional $258 each year
- Higher-risk drivers with serious driving violations could pay around $2,618 or more
- The cost that insures a teenage driver can cost $4,704 or more
Auto insurance rates for a Volkswagen Passat can also vary considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,400 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers can be around 43% to 129% more than the average policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,700 a year. View Rates by Age
Where you live has a huge impact on Volkswagen Passat insurance rates. A driver around age 40 might see rates as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,730 on average in Louisiana, New York, 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $400 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see how they stack up. Each insurance company calculates rates differently, and quoted rates can be significantly different.
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 Find the Best Cheap Volkswagen Passat Insurance
Saving money on auto insurance requires avoiding accidents and violations, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Compare rates every couple of years by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.
The list below is a quick review of the material that was covered in the above illustrations.
- Consumers who purchase higher liability limits will pay approximately $510 per year to increase from a minimum limit to the 250/500 level
- Teenagers have the highest car insurance rates, as much as $392 per month if the policy includes full coverage
- Drivers with a DUI or reckless driving violation will likely pay on average $1,410 more per year for car insurance
- Increasing deductibles can save approximately $400 each year
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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