Volkswagen Passat Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Volkswagen Passat costs about the same to insure as the average car.
• Full coverage insurance for a Passat tends to be about $179 per month, on average, while liability only insurance normally averages around $82 a month.
• The most affordable car insurance company for a Passat is AmericanAlliance.

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Passat Overview

Coming in with a base MSRP of $27,295 for 2022 models, the Volkswagen Passat is a great budget-friendly option for any driver. There are three different trim levels currently available, so every driver can find an option to match their style.

We analyzed thousands of auto insurance quotes on Compare.com, and we've found that Volkswagen Passat car insurance premiums are about $181 monthly, on average. Compared to other vehicles in the market, how do Passat auto insurance rates stack up?

How Much is Car Insurance for a Volkswagen Passat?

If you look at the table above, you'll see that when you compare the Volkswagen Passat to other vehicles, insurance prices are right around average. On average, Passat drivers will pay about $82 a month for liability insurance, and around $179 per month for full coverage, which has comprehensive and collision coverages in addition to liability (discover more about the difference with our guide "State Minimum vs. Full Coverage").

Comparing it to other Volkswagen models, the Passat is slightly more expensive, with premiums about 5% higher than the rest of the automaker's vehicle offerings. However, Passat coverage runs close to average when compared to other vehicles of a similar body style, with full coverage insurance rates coming in at $2 higher than other cars and liability insurance prices at $1 cheaper.

When compared to all vehicles, regardless of model, make, or body style, the Passat follows a similar pattern of having average insurance rates.

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Who has the Cheapest Car Insurance for a Volkswagen Passat?

If you're searching for a car insurance policy for a Volkswagen Passat, you might want to know which carrier offers the most affordable rates. Even though costs will usually be pretty different from policyholder to policyholder, NationalGeneral offers the cheapest average rates for liability only coverage, with rates as little as $33 a month. The runner up for lowest rates is Safeco, with insurance policies starting sometimes as little as $36 monthly.

Rounding out the list are MetroMile, Clearcover, and Commonwealth Casualty. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

After all, your results might be different, since car insurance carriers look at a range of different variables when calculating rates. There's only one way to make sure you find the cheapest possible rates, and that's by getting quotes from a range of auto insurance companies.

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What Factors Affect Car Insurance Rates for a Volkswagen Passat?

As we mentioned above, there are a whole bunch of things that insurance carriers take into account to calculate how much they charge you for a policy -- and each company weighs certain factors more than others, so there's not just one carrier that's the lowest for every Passat driver.

Keep reading to learn which factors auto insurance companies look at and how they affect your final rate:

Vehicle Age

Volkswagen has been making the Passat for quite some time -- and that means the car's age may play a big role in how much you'll pay for insurance. Normally, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually get lower.

Based on the information in the table above, the Volkswagen Passat is in line with this trend, as the cheapest models to insure are those that are 11 to 14 years old, while on average, the most expensive models are Passats that are 2 to 3 years old.

Your Age

Age plays a role in how much you pay for car insurance. Based on the information above, younger Passat drivers pay more for auto insurance than older Passat drivers. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Insurance prices continue to go down as you get older, with drivers aged 55-64 making up the cheapest age group for the Passat.

Your Gender

Did you know men generally pay more for insurance than women? This is because women are less likely to get tickets and get into accidents, which lowers the chances of an insurance claim. When it comes to Passat drivers specifically, women pay around $8 less than men per month for car insurance.

Where You Live

You were probably already aware that variables like what vehicle you drive and how old you are play a role in your insurance prices, but did you know that where you live matters just as much? Car insurance is regulated on a state-by-state basis, so premiums can change quite a bit from state to state.

For example, the average Volkswagen Passat owner in New York pays about $175 monthly for liability coverage, while on average, the same Californian driver will pay less than half of that price. The chart shows average rates for the 10 largest states by population, just to give you a good idea of how much prices can change from state to state.

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Volkswagen Passat Car Insurance Discounts

Whatever your car, your home state, or your age, it's always important to take advantage of as many auto insurance discounts as possible when shopping around for a new policy.

While no two car insurance carriers offer the same exact discounts, there are a few different ones that you'll find with most companies. These include things like:

• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
• Multi-vehicle discounts for having several cars on your auto policy
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Multi-policy discounts for bundling your home and auto policies with the same insurance company

There are countless ways to save money on your insurance if you know where to look. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

Although you may not have control of every factor car insurance carriers consider to calculate premiums (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the factors you can use to your favor in order to save on auto insurance:

Your Driving Record

It's no secret that insurance companies offer the most affordable prices to drivers with clean records. It checks out that your car insurance rates will get higher if you get into a collision or get tickets. But you still might be left wondering exactly how much collisions and moving violations will cost you.

Based on the table above, accidents will usually cost Passat drivers more than tickets, but both will cause a significant increase in rates. Volkswagen Passat drivers with a single accident on their record pay about $100 per month (up $18 from the $82/mo. overall average), while drivers with one ticket will pay an average of $84 per month. Those with multiple violations of either kind will end up paying even more.

How Much You Drive

The total amount of miles you drive annually affects your auto insurance premiums. Those who drive less are less likely to get into collisions, so they'll typically end up paying less for insurance. In the above table, you can see that Volkswagen Passat owners who drive fewer than 2,500 miles a year pay about $80 a month for auto insurance, while those who put 10,000 miles or more on their cars pay $81.

But if you don't drive much because you work from home or have a second vehicle, it may be worth getting usage-based or pay-per-mile car insurance. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Volkswagen Passats Compare to Other Vehicles?

If you're thinking about making a Volkswagen Passat your next purchase, you might be wondering how it compares to other vehicles. Auto insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth thinking about carefully.

Visit the table below to see how the Volkswagen Passat stacks up:

Overall, the Volkswagen Passat is a great value for any budget, with an MSRP that's a third less than the going rate for a new vehicle. The Passat comes in at $27,295, which is quite a bit lower than the national average vehicle MSRP of $46,192.

Liability insurance for a Volkswagen Passat is, while full coverage is over $50 more per month.

When it comes to usage, Volkswagen Passat drivers are near the national average in annual miles driven, with 11,617 miles each year for all vehicles compared to the Passat's 11,770 every year.

Volkswagen Passat Car Insurance Costs by Model Year

We've walked through many of the things that can have an impact on how much the average driver pays to insure a Volkswagen Passat. But if you're in thinking about buying a new car, truck, or SUV and the Passat is on your wishlist, knowing what you'll likely pay is extremely valuable as you weigh your choices.

Choose Your Model

2021 Volkswagen Passat Car Insurance 2020 Volkswagen Passat Car Insurance 2019 Volkswagen Passat Car Insurance 2018 Volkswagen Passat Car Insurance 2017 Volkswagen Passat Car Insurance 2016 Volkswagen Passat Car Insurance 2015 Volkswagen Passat Car Insurance 2014 Volkswagen Passat Car Insurance 2013 Volkswagen Passat Car Insurance 2012 Volkswagen Passat Car Insurance 2010 Volkswagen Passat Car Insurance

2021 Volkswagen Passat Car Insurance

The average cost to insure a 2021 Volkswagen Passat with liability only coverage is $135 a month, while full coverage runs around $230 monthly.

Safeco has premiums as low as just $19 per month for the 2021 Volkswagen Passat.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

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2020 Volkswagen Passat Car Insurance

It costs about $83 a month for liability or $184 for a full coverage policy for the 2020 Passat.

If you're looking for the most affordable 2020 Volkswagen Passat insurance policy, Elephant offered the lowest policy we found, with rates sometimes as low as $29 monthly.

Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get multiple free personalized quotes.

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2019 Volkswagen Passat Car Insurance

You can expect full coverage for a 2019 Volkswagen Passat to run around $187 a month, while liability only coverage will average about $103 monthly.

Looking for the most affordable policy? Clearcover offered liability only coverage for as little as just $27 per month.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

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2018 Volkswagen Passat Car Insurance

On average, drivers who own a 2018 Passat can expect to pay $112 to $220 a month for liability only and full coverage insurance, respectively.

Shelter Mutual offered the lowest policy we found, with rates as cheap as $20 monthly.

If you're looking for a more exact figure on what you should pay for car insurance for a 2018 Volkswagen Passat, you can get free quotes in minutes by just entering your ZIP code below.

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2017 Volkswagen Passat Car Insurance

2017 Volkswagen Passat drivers can expect to pay an average of $105 per month for liability or $188 for full coverage.

With rates as cheap as just $17 monthly, Liberty Mutual offered the most affordable policy we found for the 2017 Volkswagen Passat.

Want something more accurate than national averages? Get a variety of personalized quotes for free by just entering your ZIP code below.

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2016 Volkswagen Passat Car Insurance

The average cost to insure a 2016 Passat with liability only coverage is $98 a month, while full coverage runs around $194 per month.

We found Commonwealth Casualty offered the cheapest policy, with rates as low as $24 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2015 Volkswagen Passat Car Insurance

2015 Volkswagen Passat drivers can expect to pay an average of $91 per month for liability or $187 for full coverage.

With prices sometimes as cheap as $17 a month, StateAuto offered the lowest policy we found.

If you want to know exactly how much you can expect to pay for your Passat, just enter your ZIP code below and get free quotes in minutes.

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2014 Volkswagen Passat Car Insurance

You can expect full coverage for a 2014 Passat to run about $188 monthly, while liability only coverage will average around $94 per month.

If you're looking for the lowest possible 2014 Volkswagen Passat insurance policy, Aspire offered the most affordable policy we found, with rates as little as just $19 a month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2013 Volkswagen Passat Car Insurance

On average, drivers who own a 2013 Volkswagen Passat can expect to pay $79 to $171 monthly for liability only and full coverage insurance, respectively.

With premiums as low as $21 a month, Commonwealth Casualty offered the cheapest policy we found.

What could your car insurance rate look like? All you need to do is enter your ZIP code below and you'll be on your way to comparing numerous personalized quotes from the nation's top insurance carriers.

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2012 Volkswagen Passat Car Insurance

It costs about $88 per month for liability or $175 for a full coverage policy for the 2012 Passat.

With rates as cheap as $20 a month, MetLife offered the most affordable policy we found for the 2012 Volkswagen Passat.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

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2010 Volkswagen Passat Car Insurance

On average, drivers who own a 2010 Volkswagen Passat can expect to pay $82 to $164 monthly for liability only and full coverage auto insurance, respectively.

Looking for the lowest policy? Commonwealth Casualty offered liability only coverage for sometimes as low as $16 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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Volkswagen Passat Insurance FAQs

Is a Volkswagen Passat expensive to insure?

It costs about the same to insure a Volkswagen Passat as insuring the average vehicle. Liability insurance runs an average of $82 monthly, while full coverage will cost you around $179.

How can I get the best price on car insurance for my Volkswagen Passat?

The only way to ensure you're getting the cheapest price on car insurance is to regularly shop around and compare quotes from a whole range of companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a variety of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Volkswagen Passat affect my insurance rates?

Have you heard that it costs more to insure red cars than silver or white ones before? Well, that's actually a myth. There are lots of variables auto insurance companies examine when they offer premiums, but the color of your Volkswagen Passat isn't one of them.

Do I need to have insurance before I buy a Volkswagen Passat?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have valid insurance for it. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a a new car is to talk with your car insurance carrier before you buy.

What car insurance discounts can I get for my Volkswagen Passat?

You will find a ton of discounts out there when it comes to auto insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are more based on you than the vehicle you drive, but if your Passat has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to know is to contact your insurance company and ask about their list of discounts.