Volkswagen Passat Insurance [Rates + Comparison Guide]

Volkswagen Passat insurance rates average at $125 per month. A 2012 Volkswagen Passat insurance policy will be cheaper than a newer model, so it's in your best interest to compare Volkswagen Passat insurance quotes online before you buy a new or used Volkswagen. Enter your ZIP code below to start comparing Volkswagen Passat insurance costs now.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 $50 per month for liability-only coverage, $125 per month for full coverage, and $458 per month for teen drivers. Continue reading to learn how you can save $620 per year on Volkswagen Passat insurance rates.

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

Volkswagen Passat Insurance Cost

The average Volkswagen Passat auto 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 S3, Chevrolet Malibu, and Mazda 3.

Vehicle Comprehensive Collision Liability Total
Volkswagen Passat $348 $626 $372 $1,504
Audi S3 $356 $744 $264 $1,474
Chevrolet Malibu $322 $532 $372 $1,384
Mazda 3 $308 $562 $372 $1,400
Honda Civic $280 $656 $420 $1,536
Toyota Camry $294 $570 $390 $1,412
Buick Regal $306 $536 $398 $1,398
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However, there are a few things you can do to find the cheapest Volkswagen Passat insurance rates online.

What Impacts the Cost of Volkswagen Passat Insurance?

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

Age of the Vehicle

The average Volkswagen Passat insurance rates are higher for newer models. 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 auto insurance. For example, a 20-year-old driver could pay around $153 more each month for their Volkswagen Passat auto 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 Los Angeles may pay $557 a year more than drivers in Philadelphia.

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 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

If the Volkswagen Passat crash test ratings are good, you could have lower Volkswagen Passat insurance rates. See Volkswagen Passat crash test results below:

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

Having a variety of safety features on your Volkswagen Passat can help lower your insurance costs. According to AutoBlog, the 2020 Volkswagen Passat’s safety features 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 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 insurance rates from the best companies using our FREE tool below.

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5 Ways to Save on Volkswagen Passat Insurance

There are many ways that you can save on Volkswagen Passat auto insurance to get the best value possible. Below are five scenarios you can explore to help keep your Volkswagen Passat insurance rates low.

  • Provide Your Volkswagen Passat VIN When Requesting Volkswagen Passat Insurance Rates
  • Ask About Retiree Discounts
  • Remove Young Drivers from Your Volkswagen Passat Insurance When They Move Out or Go to School
  • Reduce Modifications on Your Volkswagen Passat
  • Get Volkswagen Passat Auto Insurance Through Costco

Top Volkswagen Passat Insurance Companies

The best auto insurance companies for Volkswagen Passat insurance rates will offer competitive rates, discounts, and account for the Volkswagen Passat’s safety features. The following list of auto insurance companies outlines which companies hold the highest 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

You can start comparing quotes for Volkswagen Passat insurance rates from some of the top auto insurance companies by using our free online tool today.

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