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Volkswagen Passat Car Insurance [How to Find Cheap Rates]

Average Volkswagen Passat auto insurance rates cost $1,504 a year, or around $125 a month. Comprehensive, collision, and liability insurance cost around $366, $535, and $424, respectively.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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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 just slightly less than the average vehicle in the country with full coverage costing around $1,504 a year or $125 a month. Owners of an older Volkswagen Passat may choose to get liability coverage only which averages $603 a year or $50 a month.

Good drivers can save up to $620 a year in policy discounts by being courteous and safe while driving. Let’s take a closer look at Volkswagen Passat insurance rates, crash test ratings, and more.

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 auto insurance rates are $1,504 a year or $125 a month.

Enter your zip code below to view companies that have cheap auto insurance rates.

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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 Dodge Charger, Hyundai Elantra, and Nissan Sentra.

Vehicle Comprehensive Collision Liability Total
Volkswagen Passat $348 $626 $372 $1,504
Dodge Charger $376 $626 $466 $1,668
Hyundai Elantra $280 $562 $372 $1,372
Nissan Sentra $254 $570 $390 $1,372
Toyota Camry $294 $570 $390 $1,412
Cadillac ATS $294 $566 $398 $1,416
Chevrolet Impala $280 $532 $372 $1,342

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, car 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 car insurance rates. For example, 30-year-old drivers pay $66 more for Volkswagen Passat car 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 $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 auto insurance rates 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

Volkswagen Passat Crash Test Ratings

Volkswagen Passat crash test ratings will affect your Volkswagen Passat car 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

Volkswagen Passat safety features can lower the cost of your insurance. The safety features for the 2020 Volkswagen Passat include:

  • 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 lower percentage means lower Volkswagen Passat auto insurance rates; higher percentages mean higher Volkswagen Passat car insurance rates. The Volkswagen Passat’s insurance loss probability varies for each form 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, most lenders will require your carry higher Volkswagen Passat coverage options including comprehensive coverage, so be sure to shop around and compare Volkswagen Passat car insurance quotes from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Volkswagen Passat Insurance

There are many ways that you can save on Volkswagen Passat car insurance. Below are five actions you can take to find cheap Volkswagen Passat auto insurance rates.

  • Make Sure You’re Raising a Safe Driver
  • Watch Your Insurer Closely When Your Volkswagen Passat Needs Repairs
  • Never Drink and Drive Your Volkswagen Passat
  • Pay Your Bills On Time — Especially Volkswagen Passat Payments and Insurance
  • Ask for a Volkswagen Passat Discount If You Have College Degree or Higher

Top Volkswagen Passat Insurance Companies

Who is the top car insurance 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 auto 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

Compare Free Volkswagen Passat Insurance Quotes Online

Start comparing Volkswagen Passat car insurance quotes for free by using our convenient online comparison tool.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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