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Volkswagen Passat Insurance Cost Estimate

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.

Table of Contents

Volkswagen Passat Insurance Cost

The average Volkswagen Passat auto insurance rates are $1,504 a year or $125 a month.

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
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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 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
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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

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
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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
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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
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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.

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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