Best Volkswagen Passat Insurance Rates [Cheap Coverage Guide]

Average Volkswagen Passat car insurance rates cost $125 per month ($1,504 per year). Good drivers can save as much as $2,320 a year over higher risk drivers.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 31, 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

Are you searching for cheap Volkswagen Passat insurance rates? Full coverage for a Volkswagen Passat costs around $1,504 a year or $125 each month. Our guide breaks down these rates so drivers can better understand how to save on insurance rates for a Volkswagen Passat. Learn 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 auto insurance rates for a Volkswagen Passat cost $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 Chevrolet Sonic, Dodge Charger, and Honda Civic.

Vehicle Comprehensive Collision Liability Total
Volkswagen Passat $348 $626 $372 $1,504
Chevrolet Sonic $270 $536 $398 $1,362
Dodge Charger $376 $626 $466 $1,668
Honda Civic $280 $656 $420 $1,536
Audi S3 $356 $744 $264 $1,474
Toyota Avalon $320 $536 $338 $1,330
Ford Taurus $344 $596 $398 $1,496
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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?

Even though the average annual rate for the Volkswagen Passat is $1,504, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Volkswagen Passat.

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 impact on the cost of Volkswagen Passat auto insurance. For example, 20-year-old drivers pay approximately $1,840 each year for their Volkswagen Passat auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Volkswagen Passat insurance rates. For example, drivers in Phoenix may pay $827 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on the cost of Volkswagen Passat car 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

Volkswagen Passat crash test ratings can impact your Volkswagen Passat car 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

Good Volkswagen Passat safety features can result in insurers giving you car 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

Review the Volkswagen Passat car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. 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, 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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Ways to Save on Volkswagen Passat Insurance

Save more on your Volkswagen Passat car insurance rates. Take a look at the following five strategies that will get you the best Volkswagen Passat auto insurance rates possible.

  • Use a Service Like Turo to Rent Out Your Volkswagen Passat
  • Ask About Loyalty Discounts
  • Add a More Experienced Driver to Your Volkswagen Passat Policy
  • Make Sure You Use an Accredited Driver Safety Program
  • Pay Your Volkswagen Passat Insurance Upfront

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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Crash Test Safety Ratings

Year Overall Frontal Crash Side Crash Rollover
2015
5
5
5
5
2014
5
5
5
5
2013
5
5
5
5
2012
5
5
5
5

Crash Avoidence Features

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