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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
The average Volkswagen Passat auto insurance rates are $1,504 a year or $125 a month.
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 |
However, there are a few things you can do to find the cheapest Volkswagen insurance rates online.
The Volkswagen Passat trim and model you choose can impact the total price you will pay for Volkswagen Passat insurance coverage.
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 |
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.
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 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.
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 | |
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 | ||||
|---|---|---|---|---|
Good Volkswagen Passat safety features can result in insurers giving you auto insurance discounts. The safety features for the 2020 Volkswagen Passat are:
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 | |
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.
If you want to reduce the cost of your Volkswagen Passat insurance rates, follow these tips below:
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 | |||
Start comparing Volkswagen Passat auto insurance quotes for free by using our convenient online comparison tool.
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