VW Passat Insurance Cost


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Key Takeaways

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State Farm provides the most affordable minimum coverage annual rate across all VW Passat model years, averaging $484.

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For a VW Passat, the average annual cost is $602 for minimum coverage and $1,382 for full coverage.

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MoneyGeek analyzed 4,183 VW Passat insurance quotes from Quadrant Information Services.

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VW Passat Insurance Rates

Annual full coverage insurance costs for a VW Passat range from $1,013 to $6,059. Rates vary based on the car's production year, driver age, location, driving record, coverage level and insurer. MoneyGeek analyzes VW Passat insurance costs, offering insights into the best and most affordable options.

What Is the Average VW Passat Car Insurance Cost?

For a VW Passat, full coverage insurance averages $115 monthly or $1,382 yearly, based on a 40-year-old male driver with a clean record. Minimum coverage costs around $50 per month or $602 annually.

Minimum Coverage$602
Full Coverage$1,382

VW Passat Insurance Costs by Company

VW Passat insurance costs range from $1,047 to $1,918 yearly, depending on age, model year and coverage level. The table below compares VW Passat insurance rates with the averages for all vehicles from several providers.

Allstate$1,594$1,812-12%
Auto-Owners$1,170$1,227-5%
Farmers$1,754$1,956-10%
GEICO$1,197$1,333-10%
Kemper$1,918$2,213-13%
Nationwide$1,482$1,588-7%
Progressive$1,592$1,743-9%
State Farm$1,160$1,269-9%
Travelers$1,438$1,521-5%
USAA$1,047$1,201-13%

Cost of Insuring a VW Passat by Model Year

The year your VW Passat was made affects insurance rates, with older models typically costing less. For example, full coverage for a 2022 Passat costs $1,561 annually compared to $1,243 for a 2009 model. Below are the average full and minimum coverage rates for each production year.

2022$604$1,561
2021$602$1,537
2020$582$1,499
2019$609$1,468
2018$610$1,430
2017$596$1,424
2016$630$1,417
2015$638$1,411
2014$614$1,370
2013$639$1,329
2012$638$1,289
2011$603$1,274
2010$616$1,258
2009$604$1,243

VW Passat Insurance Costs by Driver Age

VW Passat insurance rates vary greatly by driver age. For example, 16-year-olds pay around $6,059 annually for full coverage, while 40-year-olds pay about $1,394. Below are the average minimum and full coverage rates for drivers of different ages.

16$2,808$6,059
17$2,280$4,933
18$1,989$4,342
19$1,414$3,092
20$1,270$2,811
21$1,006$2,267
22$917$2,084
23$851$1,946
24$806$1,851
25$718$1,657
26$698$1,598
27$681$1,563
28$670$1,539
29$660$1,518
30$637$1,465
35$620$1,420
40$613$1,394
45$608$1,376
50$593$1,334
55$578$1,298
60$578$1,293
65$616$1,342
70$668$1,437
75$743$1,575
80$842$1,754
85$911$1,883
90$961$1,972

VW Passat Insurance Rates Explained

Several factors affect your car insurance rates based on your driver profile. However, insurers also consider vehicle-related factors when setting rates. Below, we break down the key cost factors tied to your vehicle, helping you understand what might influence your premiums.

VW Passat Rates vs. National Average

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All Vehicles

Average Full Coverage Rate

$1,296
car2
VW Passat

Average Full Coverage Rate

$1,382
Premiums for VW Passat are:$86 more

This is 7% more expensive.

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    Value

    The VW Passat's MSRP of $31,570 makes it a midrange vehicle. This price can impact insurance costs as insurers may charge more for vehicles with higher values.

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    Repair costs

    The VW Passat’s annual repair cost is $639, below the national average. This can lead to lower insurance costs due to cheaper parts and labor.

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    Performance

    The VW Passat has 174 horsepower and a 0-to-60 time of 8.3 seconds, indicating it’s not a high-performance vehicle and resulting in lower insurance costs.

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    Vehicle age

    Newer models like the 2022 VW Passat are typically more expensive to insure than older ones. However, collector and classic vehicles can be exceptions, often costing more.

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    Safety features

    The VW Passat has a NHTSA safety rating of 4 out of 5, along with features like stability control, airbags and antilock brakes, which can lead to insurance discounts.

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    Vehicle size

    The VW Passat weighs 3,314 lbs, which is moderate for a sedan. This size may lead to average insurance costs compared to smaller vehicles.

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    Trim level

    Higher trim levels of the VW Passat, with premium upgrades, typically lead to higher insurance costs than the base model due to a higher MSRP.

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    Theft rates

    The VW Passat's theft rate of 96 may increase insurance costs, as vehicles more at risk of being stolen typically have higher premiums.

Cheapest VW Passat Insurance

State Farm offers the most affordable annual minimum coverage rate for a VW Passat at $484, based on a 40-year-old male driver with a clean record. Below is a breakdown of the cheapest car insurance by coverage level, age group, driving record and model year.

Cheapest VW Passat Insurance by Coverage Level

Your coverage level significantly influences your VW Passat insurance rate. State Farm offers the most affordable average minimum and full coverage rates. Below is a breakdown of the cheapest providers for both types.

Cheapest VW Passat Minimum Coverage

State Farm offers the cheapest minimum coverage for VW Passat owners at $40 per month, followed by GEICO at $43, Travelers at $53 and Progressive at $55.

USAA$34$405
State Farm$40$484
GEICO$43$513
Travelers$53$636
Progressive$55$662
Allstate$56$675
Farmers$58$690
Nationwide$58$695

*State Farm offers non-military-affiliated VW Passat owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.

Best VW Passat Insurance Rates by Model Year

The list above doesn't account for your vehicle's model year, which can influence insurance rates. Older VW Passat models may qualify for lower rates. To find the most affordable minimum coverage, filter the table below by production year.

Data filtered by:Results filtered by:
Select
Model Year:2009
Allstate$664$55
Farmers$708$59
GEICO$533$44
Nationwide$685$57
Progressive$657$55
State Farm$465$39
Travelers$593$49
USAA$406$34

*USAA is available only to military veterans, active service members and their families.

Cheapest Full Coverage VW Passat Insurance

State Farm offers the cheapest full coverage for a VW Passat at $94 monthly or $1,125 annually. See the full list of providers and rates below.

USAA$84$1,013
State Farm$94$1,125
GEICO$97$1,167
Nationwide$116$1,398
Travelers$119$1,423
Progressive$126$1,513
Allstate$126$1,518
Farmers$136$1,633

*On average, State Farm is the cheapest insurer for non-military-affiliated VW Passat owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.

Cheapest VW Passat Insurance by Age

Young drivers aged 16 to 25 and seniors over 55 often face higher VW Passat insurance costs. Below is a breakdown of the cheapest options by age group.

Cheapest VW Passat Insurance for Young Drivers

State Farm offers the cheapest VW Passat insurance for drivers aged 16 to 25 at $88 monthly or $1,056 annually for minimum coverage. Below is a complete list of the most affordable auto insurance for young adults.

USAA$69$834
State Farm$88$1,056
GEICO$103$1,237
Travelers$111$1,334
Allstate$131$1,573
Nationwide$153$1,837
Progressive$154$1,849
Farmers$157$1,878

*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.

Cheapest VW Passat Insurance for Seniors

State Farm offers the cheapest car insurance for seniors aged 55 and up at $44 per month or $533 annually. Check the full list of affordable VW Passat insurers below.

State Farm$44$533
USAA$45$537
GEICO$51$618
Travelers$64$766
Nationwide$68$816
Allstate$69$828
Progressive$70$844
Farmers$77$928

Cheapest VW Passat Insurance After an Accident

State Farm, GEICO and Travelers offer VW Passat drivers the cheapest car insurance after an accident. See the complete list of providers below.

State Farm$51$606
USAA$51$615
GEICO$68$811
Travelers$76$918
Allstate$77$921
Nationwide$90$1,076
Progressive$90$1,079
Farmers$116$1,393

VW Passat Insurance Cost: Bottom Line

Always compare rates from different providers to find the cheapest car insurance. This article explores VW Passat insurance, covering costs across demographics and identifying the most affordable providers.

VW Passat Insurance Rates: FAQ

Below are answers to common questions about VW Passat insurance costs, including options for minimum coverage and affordable plans.

What company has the cheapest car insurance for a VW Passat?

What is the average cost of car insurance for a VW Passat?

VW Passat Insurance Ratings: Our Review Methodology

MoneyGeek analyzed data and 4,183 VW Passat insurance quotes from Quadrant Information Services.

Drivers and Cars

MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a VW Passat:

  • 40-year-old male
  • Clean driving record
  • 12,000 miles driven annually

We also modified the sample driver profile to determine VW Passat insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:

  • 2012
  • 2013
  • 2014
  • 2015
  • 2016
  • 2017
  • 2018
  • 2019
  • 2020
  • 2021
  • 2022

If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your VW Passat.

Coverage Levels

Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.

MoneyGeek’s analysis includes average full coverage policy rates with comprehensive and collision coverage (with a $1,000 deductible) and increased liability limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability per accident

About Mark Fitzpatrick


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Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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