Buy Cheap Volkswagen Passat Auto Insurance in 2024
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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Laura Gunn
Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Insurance and Finance Writer
UPDATED: Jul 15, 2021
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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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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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