Newer Volkswagen Passats cost more to insure than older models due to model year's substantial impact on premiums. Monthly rates run from $274 for newer Passats down to $45 for older models, reflecting higher market values.
Volkswagen Passat Insurance Cost
Updated: September 6, 2026
Key Takeaways
GEICO offers the most affordable Volkswagen Passat insurance on average, though full coverage costs vary widely by model year and insurer. You'll pay around $162 monthly for comprehensive protection. Read more
Wagons cost less to insure than other vehicle types due to better safety ratings and lower repair costs, but the Passat ranks fifth for affordability out of 40 wagons. Read more
Your Passat's specific model year makes a big difference in insurance rates, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific Passat model years, depending on the age of the drivers
How Much Is Volkswagen Passat Insurance?
Looking for another Volkswagen model? Read more about the cost of Volkswagen car insurance models.
Costs vary by model year and company. Volkswagen Passat minimum coverage spans $52 monthly with GEICO to $134 with UAIC, while full coverage ranges from $112 monthly with GEICO to higher rates with AIG.
Rate variations (more than $82 for minimum coverage and $158 for full coverage) demonstrate why Passat owners need to shop around. Insurance companies calculate risk differently for each model, which impacts your final quote.
| AAA | $83 | $171 |
| AIG | $109 | $270 |
| Allstate | $95 | $182 |
| Amica | $89 | $181 |
| Chubb | $98 | $191 |
| Farmers | $107 | $188 |
| Geico | $52 | $112 |
| Kemper | $77 | $154 |
| Nationwide | $93 | $161 |
| Progressive | $79 | $148 |
| State Farm | $68 | $142 |
| The Hartford | $84 | $143 |
| Travelers | $72 | $132 |
| UAIC | $134 | $167 |
Is Volkswagen Passat Expensive to Insure?
Comparing the Volkswagen Passat to similar vehicles shows it's reasonably priced to insure. MoneyGeek analyzed 40 wagons in our database and found the Passat ranks fifth for affordability, meaning just four wagons cost less to insure. It's positioned a few dollars per month more than a Volvo V40 but slightly cheaper than a Mercedes C-Class, putting it in solid middle territory among wagons.
That middle ranking among wagons tells a positive story overall since wagons tend to be pricier to insure. The Passat's 22nd place out of 827 total vehicles puts it among the top 3% most affordable cars to insure. The cheapest wagon option is the Saab 9-5, while the Audi RS 6 commands the highest premiums in this category.
| Saturn L-Series | $82 | 2 |
| Saturn S-Series | $83 | 3 |
| Volvo V40 | $87 | 4 |
| Volkswagen Passat | $88 | 5 |
| Mercedes C-Class | $89 | 6 |
| Volvo V70 | $97 | 7 |
| Volvo V50 | $103 | 8 |
Several factors influence Volkswagen Passat insurance costs:
- Average Repair or Replacement Costs: Annual repair costs average $854, placing the Volkswagen Passat among the more moderately priced sedans to maintain within its class.
- Vehicle Trim, Features and Accessories: Horsepower spans 174 to 280 hp across trims, with performance variants carrying higher premiums. The Passat's enhanced capabilities in upper trim levels push insurance costs higher due to the increased performance specifications.
- Driver Profile: Most Volkswagen Passat drivers cluster in the 40 to 50 age range, a demographic that typically produces lower rates. The Passat's performance reputation, however, correlates with risk-taking behaviors that factor into insurer pricing. Read more about the costs of Volkswagen Passats for young drivers.
Volkswagen Passat Insurance Cost by State
Car insurance for a Volkswagen Passat costs as little as $26 per month in Wyoming or as much as $149 in Louisiana for minimum coverage. These dramatic differences reflect your state's risk factors and insurance regulations, not anything about the vehicle itself.
| Alabama | $62 | $116 |
| Alaska | $53 | $111 |
| Arizona | $90 | $166 |
| Arkansas | $59 | $131 |
| California | $73 | $148 |
| Colorado | $69 | $166 |
| Connecticut | $108 | $184 |
| Delaware | $109 | $182 |
| Florida | $104 | $239 |
| Georgia | $116 | $189 |
| Hawaii | $38 | $87 |
| Idaho | $41 | $83 |
| Illinois | $69 | $129 |
| Indiana | $47 | $93 |
| Iowa | $39 | $95 |
| Kansas | $53 | $122 |
| Kentucky | $94 | $160 |
| Louisiana | $149 | $320 |
| Maine | $37 | $77 |
| Maryland | $119 | $201 |
| Massachusetts | $76 | $161 |
| Michigan | $114 | $218 |
| Minnesota | $60 | $123 |
| Mississippi | $63 | $125 |
| Missouri | $85 | $170 |
| Montana | $50 | $118 |
| Nebraska | $53 | $121 |
| Nevada | $138 | $249 |
| New Hampshire | $52 | $91 |
| New Jersey | $126 | $208 |
| New Mexico | $60 | $134 |
| New York | $93 | $166 |
| North Carolina | $59 | $115 |
| North Dakota | $41 | $89 |
| Ohio | $56 | $109 |
| Oklahoma | $66 | $146 |
| Oregon | $95 | $165 |
| Pennsylvania | $64 | $149 |
| Rhode Island | $92 | $164 |
| South Carolina | $76 | $142 |
| South Dakota | $37 | $112 |
| Tennessee | $59 | $118 |
| Texas | $95 | $194 |
| Utah | $82 | $139 |
| Vermont | $32 | $75 |
| Virginia | $71 | $116 |
| Washington | $70 | $130 |
| West Virginia | $63 | $128 |
| Wisconsin | $48 | $104 |
| Wyoming | $26 | $80 |
Volkswagen Passat Costs by Model Year and Insurance Company
Newer Volkswagen Passat models cost more to insure than older ones, and your age also plays a role. A 35- to 55-year-old driver pays around $204 monthly for full coverage on a 2013 Passat compared to $253 for a 2022 model. Young drivers in their teens and early twenties face much higher premiums across all model years.
Taking advantage of savings opportunities through insurer comparison can cut your Passat insurance costs. GEICO offers the lowest rates across all model years.
Older models (2016 to 2019):
Cost of Car Insurance for 2022 Volkswagen Passat
| Geico | $73 | $159 |
| National General | $91 | $185 |
| Travelers | $108 | $198 |
| State Farm | $110 | $229 |
| Progressive | $114 | $213 |
| Nationwide | $116 | $201 |
| Kemper | $127 | $258 |
| AAA | $132 | $274 |
| The Hartford | $136 | $233 |
| Allstate | $137 | $264 |
| Amica | $141 | $289 |
| Chubb | $163 | $324 |
| AIG | $170 | $429 |
| Farmers | $173 | $304 |
| UAIC | $188 | $237 |
Cost of Car Insurance for 2021 Volkswagen Passat
| Geico | $62 | $135 |
| National General | $77 | $158 |
| Travelers | $92 | $168 |
| State Farm | $94 | $195 |
| Progressive | $97 | $181 |
| Nationwide | $99 | $171 |
| Kemper | $108 | $219 |
| AAA | $113 | $233 |
| The Hartford | $116 | $198 |
| Allstate | $117 | $225 |
| Amica | $120 | $245 |
| Chubb | $139 | $275 |
| AIG | $145 | $365 |
| Farmers | $147 | $259 |
| UAIC | $160 | $201 |
Cost of Car Insurance for 2020 Volkswagen Passat
| Geico | $59 | $129 |
| National General | $73 | $150 |
| Travelers | $87 | $160 |
| State Farm | $89 | $186 |
| Progressive | $92 | $173 |
| Nationwide | $94 | $163 |
| Kemper | $103 | $209 |
| AAA | $107 | $222 |
| The Hartford | $111 | $188 |
| Allstate | $111 | $214 |
| Amica | $114 | $234 |
| Chubb | $132 | $262 |
| AIG | $138 | $347 |
| Farmers | $140 | $246 |
| UAIC | $152 | $192 |
Cost of Car Insurance for 2019 Volkswagen Passat
| Geico | $52 | $113 |
| National General | $64 | $131 |
| Travelers | $76 | $140 |
| State Farm | $78 | $162 |
| Progressive | $81 | $151 |
| Nationwide | $82 | $142 |
| Kemper | $90 | $183 |
| AAA | $94 | $194 |
| The Hartford | $97 | $165 |
| Allstate | $97 | $187 |
| Amica | $100 | $204 |
| Chubb | $116 | $229 |
| AIG | $120 | $303 |
| Farmers | $122 | $215 |
| UAIC | $133 | $167 |
Cost of Car Insurance for 2018 Volkswagen Passat
| Geico | $49 | $106 |
| National General | $60 | $123 |
| Travelers | $72 | $131 |
| State Farm | $73 | $152 |
| Progressive | $76 | $142 |
| Nationwide | $77 | $134 |
| Kemper | $84 | $171 |
| AAA | $88 | $182 |
| The Hartford | $91 | $155 |
| Allstate | $91 | $176 |
| Amica | $94 | $192 |
| Chubb | $108 | $215 |
| AIG | $113 | $285 |
| Farmers | $115 | $202 |
| UAIC | $125 | $157 |
Cost of Car Insurance for 2017 Volkswagen Passat
| Geico | $58 | $126 |
| National General | $72 | $148 |
| Travelers | $82 | $152 |
| State Farm | $85 | $177 |
| Progressive | $91 | $171 |
| Nationwide | $98 | $170 |
| Kemper | $99 | $201 |
| The Hartford | $102 | $173 |
| AAA | $104 | $216 |
| Amica | $112 | $229 |
| Allstate | $116 | $225 |
| Chubb | $128 | $255 |
| AIG | $132 | $333 |
| UAIC | $136 | $170 |
| Farmers | $140 | $248 |
Cost of Car Insurance for 2016 Volkswagen Passat
| Geico | $118 | $256 |
| National General | $121 | $247 |
| State Farm | $170 | $353 |
| Kemper | $178 | $356 |
| Travelers | $180 | $331 |
| The Hartford | $184 | $313 |
| Amica | $187 | $383 |
| AAA | $188 | $389 |
| Allstate | $202 | $389 |
| Chubb | $210 | $412 |
| Progressive | $212 | $398 |
| AIG | $230 | $565 |
| Farmers | $247 | $437 |
| Nationwide | $260 | $448 |
| UAIC | $273 | $339 |
Volkswagen Passat Insurance Cost by Trim
Volkswagen Passat insurance costs vary by trim, ranging from $45 monthly for minimum coverage on basic Glx 4motion Wagon 4d models to $274 for full coverage on high-performance 1.8t Sel Sedan 4d variants. Performance features and market value determine where your specific trim falls within this range.
| Glx 4motion Wagon 4d (New) | $45 | $86 |
| Gl Sedan 4d | $45 | $86 |
| Glx Sedan 4d (New) | $47 | $91 |
| Gl Wagon 4d | $47 | $91 |
| Gls Wagon 4d (New) | $48 | $92 |
| Glx Wagon 4d (New) | $48 | $92 |
| Gls 4motion Wagon 4d (New) | $48 | $93 |
| Glx 4motion Sedan 4d (New) | $49 | $94 |
| Gls 4motion Sedan 4d (New) | $49 | $94 |
| Gls Sedan 4d (New) | $51 | $98 |
| Gls Wagon 4d | $53 | $102 |
| Glx Sedan 4d | $55 | $106 |
| Glx Wagon 4d | $55 | $106 |
| Glx 4motion Wagon 4d | $55 | $107 |
| Gls 4motion Wagon 4d | $56 | $107 |
| Gls 4motion Sedan 4d | $56 | $108 |
| Glx 4motion Sedan 4d | $56 | $108 |
| Turbo Sedan 4d | $56 | $109 |
| Gls Sedan 4d | $57 | $110 |
| 2.0t S Sedan 4d | $61 | $117 |
| Turbo Wagon 4d | $62 | $119 |
| Lux Sedan 4d | $64 | $123 |
| Komfort Sedan 4d | $65 | $125 |
| 3.6 4motion Sedan 4d | $66 | $126 |
| 3.6 Wagon 4d | $66 | $126 |
| W8 4motion Sedan 4d | $66 | $127 |
| W8 4motion Wagon 4d | $66 | $127 |
| Lux Wagon 4d | $68 | $130 |
| Gls Tdi Wagon 4d | $68 | $131 |
| 2.0t R-Line Sedan 4d | $69 | $135 |
| 3.6 4motion Wagon 4d | $71 | $136 |
| 2.0t Se Sedan 4d | $72 | $139 |
| Komfort Wagon 4d | $72 | $138 |
| 2.0t Sedan 4d | $72 | $139 |
| Vr6 Sedan 4d | $73 | $140 |
| 2.0t Wolfsburg Edition Sedan 4d | $73 | $141 |
| Wagon 4d | $74 | $142 |
| Gls Tdi Sedan 4d | $75 | $144 |
| 3.6 Sedan 4d | $76 | $146 |
| 2.0t Sel Premium Sedan 4d | $76 | $147 |
| Sedan 4d | $77 | $148 |
| Vr6 4motion Sedan 4d | $78 | $150 |
| Vr6 4motion Wagon 4d | $79 | $151 |
| 2.0t Wagon 4d | $80 | $153 |
| V6 Gt Sedan 4d | $80 | $155 |
| Gl Tdi Sedan 4d | $83 | $159 |
| Gl Tdi Wagon 4d | $83 | $160 |
| S Sedan 4d | $85 | $164 |
| 2.0t Se R-Line Sedan 4d | $85 | $165 |
| 2.5l S Sedan 4d | $85 | $164 |
| 2.0t Value Edition Sedan 4d | $86 | $165 |
| 2.0t Value Edition Wagon 4d | $86 | $165 |
| 1.8t S Sedan 4d | $88 | $169 |
| Wolfsburg Edition Sedan 4d | $90 | $174 |
| 2.5l Se Sedan 4d | $91 | $175 |
| 2.5l Sel Sedan 4d | $94 | $181 |
| 1.8t Wolfsburg Edition Sedan 4d | $95 | $183 |
| Tdi Se Sedan 4d | $96 | $185 |
| V6 Se Sedan 4d | $98 | $188 |
| Se Sedan 4d | $99 | $191 |
| 1.8t R-Line Sedan 4d | $99 | $191 |
| 2.5l Sel Premium Sedan 4d | $101 | $194 |
| Tdi Sel Premium Sedan 4d | $102 | $196 |
| 2.5l Wolfsburg Edition Sedan 4d | $102 | $196 |
| R-Line Sedan 4d | $102 | $199 |
| Sel Sedan 4d | $104 | $202 |
| 1.8t Se Sedan 4d | $107 | $206 |
| 1.8t Limited Edition Sedan 4d | $111 | $213 |
| 1.8t Sport Sedan 4d | $112 | $215 |
| V6 Sel Premium Sedan 4d | $115 | $222 |
| 1.8t Sel Premium Sedan 4d | $115 | $222 |
| Limited Edition Sedan 4d | $124 | $241 |
| 1.8t Sel Sedan 4d | $143 | $274 |
How to Lower the Cost of Volkswagen Passat Insurance
We've compiled the most effective ways to secure affordable Volkswagen Passat insurance:
- 1Choose the right coverage
Determining how much coverage to buy for a Volkswagen Passat depends on ownership status. Outright owners can start with the state minimum liability requirements plus comprehensive and collision at a $1,000 deductible to keep premiums lower. Those seeking enhanced protection should consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financed or leased vehicles require 100/300/100 liability limits, comprehensive and collision at a $500 deductible and gap insurance.
- 2Research costs and cheap companies
Researching average auto insurance costs for midsize sedans establishes a useful benchmark. That baseline supports the search for the cheapest car insurance companies offering competitive rates. Understanding typical pricing makes it easier to identify genuine deals versus inflated quotes when comparing options.
- 3Look for more than just low rates
Selecting reliable car insurance means evaluating insurers beyond their quotes alone. J.D. Power satisfaction ratings, forum feedback on claims processing, Better Business Bureau complaints and AM Best financial stability ratings should all be reviewed before committing. Budget insurers may offer limited coverage or slower service when claims support is needed most.
- 4Explore discounts you qualify for
Car insurance discounts worth exploring for the Volkswagen Passat include safety features discounts, good driver discounts, multi-vehicle discounts and bundling savings. Additional savings may come from anti-theft device credits, defensive driving course completion and loyalty rewards for long-term customers with clean driving records.
- 5Consider alternative car insurance types
Volkswagen Passat owners may benefit from usage-based insurance programs such as Progressive Snapshot or Allstate Drivewise that track safe driving habits and deliver premium reductions. These telematics options monitor factors such as hard braking, rapid acceleration and nighttime driving to reward careful drivers with meaningful savings.
- 6Check rates every year
Pulling car insurance quotes from multiple companies annually helps ensure competitive pricing. Insurers do not notify policyholders when competitors lower their rates, so regular comparisons could save up to 24% on Volkswagen Passat insurance. Rate changes happen frequently, making annual shopping essential for maintaining the strongest available rate.
Volkswagen Passat Insurance Cost: Bottom Line
Volkswagen Passat insurance costs less than average, making it a relatively affordable vehicle to insure. More competitive rates can be secured by comparing multiple companies, claiming available discounts and adjusting coverage options.
Volkswagen Passat Insurance Rates: FAQ
Insurance for a Volkswagen Passat runs $915 per year for state minimum coverage and $1,762 per year for full coverage. These figures represent the average premiums for insuring this midsize sedan.
GEICO provides the most affordable auto insurance with minimum coverage at $626 annually. Drivers seeking full coverage also find the best rates with GEICO at $1,348 per year.
Volkswagen Passat insurance is more affordable than most vehicles. Among wagons specifically, this model places fifth out of 40 for affordability, but it ranks 22nd out of 827 total vehicles we track.
Higher repair costs from specialized parts push rates up, while moderate theft rates compared to other sedans help keep costs manageable. Strong safety ratings reduce premiums. Driving record, credit score and chosen coverage levels all influence the final rate.
Comparing quotes from several insurers is worthwhile, as Volkswagen Passat pricing varies across companies. Usage-based programs that record safe driving are also worth exploring. Claiming available discounts, bundling policies and maintaining a clean driving record all contribute to more competitive rates.
How We Determined Volkswagen Passat Insurance Costs
Hundreds of millions of quote estimates for U.S. vehicle models were analyzed to produce the most accurate Volkswagen Passat insurance costs available.
Sample Driver Profile
The Volkswagen Passat rates reflect a 40-year-old unmarried male with a clean driving record, no tickets or crashes, a good credit score, no prior claims, approximately 12,000 miles driven per year and a valid license with no suspensions.
Coverage Definitions
Minimum coverage reflects state-required liability limits. Full coverage includes 100/300/100 liability plus comprehensive and collision coverage with $1,000 deductibles.
About Mark Fitzpatrick
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.