Volkswagen Passat Insurance Cost Estimate
Volkswagen Passat insurance rates will cost on average $125 per month ($1,504 per year). Comprehensive, collision, and liability insurance cost around $366, $535, and $424, respectively.
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UPDATED: Jun 23, 2020
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Key takeaways:
- Full coverage costs around $1,504 a year or $125 each month
- A liability-only policy costs around $603 a year or $50 each month
- Highest rates are for teenage drivers at around $5,497 a year or $458 each month
- Good drivers can save as much as $620 a year by earning policy discounts
- Volkswagen Passat insurance costs around $15 less per year than the average vehicle
Volkswagen Passat insurance rates are $1,504 per year and $125 per month for full coverage. You spend up to $50 per month for liability-only coverage. Continue reading to learn how you can save money on Volkswagen Passat insurance rates.
You can start comparing quotes for Volkswagen Passat auto insurance rates from some of the best auto insurance companies by using our free online tool now.
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Volkswagen Passat Insurance Cost
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The average Volkswagen Passat auto insurance rates are $1,504 a year or $125 a month.
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Are Volkswagen Passats Expensive to Insure?
The chart below details how Volkswagen Passat insurance rates compare to other sedans like the Subaru Impreza, Ford Focus, and Toyota Camry.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Volkswagen Passat | $348 | $626 | $372 | $1,504 |
| Subaru Impreza | $320 | $542 | $390 | $1,410 |
| Ford Focus | $244 | $536 | $398 | $1,336 |
| Toyota Camry | $294 | $570 | $390 | $1,412 |
| Nissan Maxima | $372 | $630 | $390 | $1,550 |
| Nissan Altima | $306 | $570 | $390 | $1,424 |
| Kia Forte | $322 | $500 | $372 | $1,352 |
However, there are a few things you can do to find the cheapest Volkswagen insurance rates online.
What Impacts the Cost of Volkswagen Passat Insurance?
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The Volkswagen Passat trim and model you choose can impact the total price you will pay for Volkswagen Passat insurance coverage.
Age of the Vehicle
Older Volkswagen Passat models generally cost less to insure. For example, auto insurance rates for a 2020 Volkswagen Passat are $1,504, while 2010 Volkswagen Passat rates are $1,210, a difference of $294.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Volkswagen Passat | $348 | $626 | $372 | $1,504 |
| 2019 Volkswagen Passat | $332 | $600 | $390 | $1,480 |
| 2018 Volkswagen Passat | $320 | $596 | $398 | $1,472 |
| 2017 Volkswagen Passat | $308 | $582 | $416 | $1,464 |
| 2016 Volkswagen Passat | $298 | $558 | $430 | $1,444 |
| 2015 Volkswagen Passat | $282 | $538 | $442 | $1,420 |
| 2014 Volkswagen Passat | $270 | $500 | $452 | $1,380 |
| 2013 Volkswagen Passat | $260 | $470 | $456 | $1,344 |
| 2012 Volkswagen Passat | $248 | $422 | $460 | $1,288 |
| 2010 Volkswagen Passat | $224 | $364 | $464 | $1,210 |
Driver Age
Driver age can have a significant effect on Volkswagen Passat auto insurance rates. For example, 30-year-old drivers pay $66 more for Volkswagen Passat auto insurance than 40-year-old drivers.
Driver Location
More: Volkswagen Auto Insurance for More than Just the Beetle
Where you live can have a large impact on Volkswagen Passat insurance rates. For example, drivers in New York may pay $917 a year more than drivers in Seattle.
Your Driving Record
Your driving record can have an impact on the cost of Volkswagen Passat auto insurance. Teens and drivers in their 20’s see the highest jump in their Volkswagen Passat auto insurance rates with violations on their driving record.
Volkswagen Passat Safety Ratings
Your Volkswagen Passat auto insurance rates are influenced by the Volkswagen Passat’s safety ratings. See the breakdown below:
| Test Type | Rating |
| 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 |
| Source: Insurance Institute for Highway Safety | |
Volkswagen Passat Crash Test Ratings
Poor Volkswagen Passat crash test ratings could mean higher Volkswagen Passat auto insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Volkswagen Passat 4 DR FWD | N/R | N/R | N/R | 4 stars |
| 2019 Volkswagen Passat 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Volkswagen Passat 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Volkswagen Passat 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Volkswagen Passat 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Volkswagen Passat Safety Features
Good Volkswagen Passat safety features can result in insurers giving you auto insurance discounts. The safety features for the 2020 Volkswagen Passat are:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Integrated Turn Signal Mirrors
- Traction Control
- Blind Spot Monitor
- Cross-Traffic Alert
Volkswagen Passat Insurance Loss Probability
Another contributing factor that affects Volkswagen Passat auto insurance rates is the loss probability for each type of coverage.
| Insurance Coverage Category | Loss Rate |
| Collision | 1% |
|---|---|
| Property Damage | -1% |
| Comprehensive | -1% |
| Personal Injury | 11% |
| Medical Payment | 13% |
| Bodily Injury | 2% |
| Source: Insurance Institute for Highway Safety | |
Volkswagen Passat Finance and Insurance Cost
If you are financing a Volkswagen Passat, you will pay more if you purchase Volkswagen Passat auto insurance at the dealership, so be sure to shop around and compare Volkswagen Passat auto insurance quotes from the best companies using our FREE tool below.
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5 Ways to Save on Volkswagen Passat Insurance
If you want to reduce the cost of your Volkswagen Passat insurance rates, follow these tips below:
- Remove Young Drivers from Your Volkswagen Passat Insurance When They Move Out or Go to School
- Get Volkswagen Passat Auto Insurance Through Costco
- If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
- Ask for a Higher Deductible for Your Volkswagen Passat Insurance Policy
- Audit Your Volkswagen Passat Driving When You Move to a New Location or Start a New Job
Top Volkswagen Passat Insurance Companies
Who is the best company for Volkswagen Passat insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Volkswagen Passat insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Volkswagen Passat offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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