Volkswagen Passat Insurance Cost [Comprehensive Guide]

If you want to buy inexpensive Volkswagen Passat insurance coverage then you should know that a policy will cost $125 per month ($1,504 per year) on average. Comprehensive, collision, and liability insurance cost around $366, $535, and $424, respectively.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 24, 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 car insurance rates are determined by a number of factors, such as the age of the driver. Teenagers have the highest Volkswagen Passat insurance rates at $5,497 a year, or $458 every month.

But good drivers can save up to $620 a year on Volkswagen Passat rates by earning policy discounts. Learn everything you need to know about securing a good Volkswagen Passat policy in this comprehensive article.

You can start comparing quotes for Volkswagen Passat car insurance rates from some of the best car insurance companies by using our free online tool now.

Volkswagen Passat Insurance Cost

The average Volkswagen Passat car insurance costs 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 Audi A3, MINI Hardtop 4 Door, and Nissan Sentra.

Vehicle Comprehensive Collision Liability Total
Volkswagen Passat $348 $626 $372 $1,504
Audi A3 $282 $566 $398 $1,404
MINI Hardtop 4 Door $294 $566 $398 $1,416
Nissan Sentra $254 $570 $390 $1,372
Infiniti Q50 $344 $686 $398 $1,586
Cadillac ATS $294 $566 $398 $1,416
Nissan Versa $268 $542 $390 $1,358
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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?

The Volkswagen Passat trim and model you choose can impact the total price you will pay for Volkswagen Passat auto insurance coverage.

Age of the Vehicle

Older Volkswagen Passat models generally cost less to insure. For example, auto insurance for a 2020 Volkswagen Passat costs $1,504, while 2010 Volkswagen Passat insurance costs 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
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Driver Age

Driver age can have a significant effect on the cost of Volkswagen Passat car insurance. For example, a 20-year-old driver could pay around $153 more each month for their Volkswagen Passat car insurance than a 30-year-old driver.

Driver Location

Where you live can have a large impact on Volkswagen Passat insurance rates. For example, drivers in New York may pay $391 a year more than drivers in Chicago.

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 car insurance with violations on their driving record.

Volkswagen Passat Safety Ratings

Your Volkswagen Passat car insurance rates are tied to the safety ratings of the Volkswagen Passat. 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
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Volkswagen Passat Crash Test Ratings

Not only do good Volkswagen Passat crash test ratings mean you are better protected in a crash, but good Volkswagen Passat crash ratings also mean cheaper 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
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Volkswagen Passat Safety Features

The safety features of the Volkswagen Passat can impact your Volkswagen Passat car insurance rates. The Volkswagen Passat has the following safety features:

  • 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

The Volkswagen Passat’s insurance loss probability varies between different coverage types. The lower percentage means lower Volkswagen Passat auto insurance costs; higher percentages mean higher Volkswagen Passat auto insurance costs.

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
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Volkswagen Passat Finance and Insurance Cost

If you are financing a Volkswagen Passat, most lenders will require your carry higher Volkswagen Passat coverage options including comprehensive coverage, so be sure to shop around and compare Volkswagen Passat auto insurance rates from the best companies using our FREE tool below.

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Ways to Save on Volkswagen Passat Insurance

You have more options at your disposal to save money on your Volkswagen Passat car insurance costs. For example, try these five tips:

  • Use an Accurate Job Title When Requesting Volkswagen Passat Auto Insurance
  • Pay Your Volkswagen Passat Insurance Upfront
  • Remove Young Drivers from Your Volkswagen Passat Insurance When They Move Out or Go to School
  • Buy a Volkswagen Passat with an Anti-Theft Device
  • Buy Winter Tires for Your Volkswagen Passat

Top Volkswagen Passat Insurance Companies

Several insurance companies offer competitive rates for the Volkswagen Passat based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Volkswagen Passat drivers organized by market share.

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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Compare Free Volkswagen Passat Insurance Quotes Online

To start comparing Volkswagen Passat car insurance quotes for free, use our online car insurance comparison tool.

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