Updated: January 15, 2025
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Age is a key factor influencing the price of auto insurance. For 16-year-old drivers, it costs an average of $5,725 per year to insure a 2009 VW Passat, compared to $1,246 for 40-year-olds. For a 2022 model, a 16-year-old will spend roughly $7,136 a year, while a 40-year-old pays an average of $1,583.
Cost should not be the only factor. MoneyGeek also compared the best insurance companies for a VW Passat based on pricing, service quality and claims experience.
For a VW Passat, affordability is crucial when selecting an insurance provider. Based on the data, State Farm emerges as the most affordable option for both full and minimum coverage, particularly for 40-year-old drivers.
Full Coverage:
- State Farm: Offers the cheapest full coverage at an average of $1,121 annually. This option not only provides affordability but also ranks highly in service quality, with a MoneyGeek score of 90 out of 100.
- Farmers: On the other end, offers the most expensive full coverage at $1,661 annually.
For a more specific model year breakdown, State Farm continues to be the most economical:
- 2009 VW Passat: $975 annually
- 2022 VW Passat: $1,307 annually
Minimum Coverage:
- State Farm: Again, the most affordable at $484 annually for minimum coverage.
- Farmers: The most expensive, costing $725 annually.
Considerations:
While State Farm offers the lowest rates, it's important to consider additional factors such as service quality and claims management. GEICO also performs well in service quality with a MoneyGeek score of 89 out of 100 and an annual premium of $1,176 for full coverage.
Ages and Costs:
- Teen drivers, particularly 16-year-olds, face significantly higher insurance costs. State Farm offers the lowest rates for this group at $1,631 annually, compared to Farmers at $4,171.
- For 40-year-olds, the average cost of full coverage is more manageable at approximately $1,431, making it crucial to comparison shop for the best rates.
In summary, State Farm provides the most budget-friendly and competitive insurance rates for a VW Passat across different coverage levels and age groups, making it an excellent choice for affordability without sacrificing service quality.
For a VW Passat, the best car insurance provider, according to MoneyGeek, is State Farm. They have a MoneyGeek score of 90 out of 100 and offer the most affordable annual premium for full coverage at $1,121. State Farm is noted not only for its competitive pricing but also for strong customer service. This makes it a top choice for those insuring a VW Passat, considering both affordability and quality of service.
Age is a significant factor influencing car insurance premiums. For young drivers, especially teens, insurance costs are typically much higher due to their lack of driving experience and higher risk of being involved in accidents. Conversely, as drivers mature, particularly by the time they reach their 30s and 40s, insurance rates typically become more affordable, reflecting their increased driving experience and statistically lower risk.
Costs for 16-Year-Old and 40-Year-Old Drivers
When insuring a VW Passat, the cost difference between younger and older drivers is notable:
- 16-Year-Old Driver:
- 2009 VW Passat: $5,725 per year
- 2022 VW Passat: $7,136 per year
- Average: $6,314 per year
- 40-Year-Old Driver:
- 2009 VW Passat: $1,246 per year
- 2022 VW Passat: $1,583 per year
- Average: $1,384 per year
This stark contrast in prices illustrates how much age impacts car insurance premiums. Teenage drivers, being less experienced, are considered high-risk, thereby attracting higher insurance rates. On the other hand, older drivers, who are seen as more responsible with a proven record, enjoy much lower premiums.
Rate Trends and Decreases Over Time
As drivers age, the cost of insurance typically decreases. The pattern is that:
1. Teenage Years (16-19):
- Experience the highest insurance rates due to high-risk factors.
- Drastically high at 16 years, average annual cost around $6,314 for a VW Passat.
2. 20s:
- Rates start to decline significantly as drivers gain more experience.
- While still higher than average, they are substantially less than teenage rates.
3. 30s and 40s:
- Insurance rates generally stabilize and reach more reasonable amounts.
- Averages hover around $1,431, indicating much reduced rates compared to teenage years.
These trends demonstrate the importance of driving experience and reduced accident risk as key factors enabling insurance premium reductions over time for older drivers.
Example of Insurer Differences
Different insurers also reflect these age-based disparities in their offered rates. For instance, State Farm provides the lowest rates for both teenagers and mature drivers. A 16-year-old can expect to pay as low as $1,631 yearly with State Farm, whereas a 40-year-old could pay around $1,121 with the same insurer. On the contrary, Farmers offers higher quotes, notably $4,171 for teens.
Insurance rates can vary significantly depending on other variables, such as the car's model year, the driver's location, and the insurance provider itself. As such, it is always recommended to compare quotes from multiple insurers to secure the most favorable premium. In addition to price, service quality and claims experience should be considered to find the optimal insurance policy for a VW Passat.
Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze average rates for a VW Passat.
These rates were updated to reflect the average cost of car insurance for a VW Passat as of 2023.
The average yearly insurance rate for a VW Passat is $1,431. State Farm offers the cheapest auto insurance for full coverage, averaging $1,121, while Farmers offers the most expensive rate for the same policy at $1,661.
State Farm also provides minimum coverage VW Passat insurance for the most affordable price, at $484 a year. The most expensive insurance is again offered by Farmers and costs $725 a year. Comparing prices from many different companies will help you find the best deals on auto insurance.
| State Farm | $1,121 |
| GEICO | $1,176 |
| Travelers | $1,392 |
| Nationwide | $1,397 |
| Allstate | $1,514 |
| Progressive | $1,524 |
| Farmers | $1,661 |
The VW Passat competes against other mid-size sedans like the Honda Accord and Toyota Camry. The VW Passat has moderate insurance rates, which may be attributed to the vehicle’s low risk of theft, low horsepower and reasonable MSRP.
It's crucial to take affordability, client satisfaction and claims management into account when choosing the best auto insurance for a VW Passat. The following providers are the best insurers for this type of car, based on MoneyGeek's review:
State Farm offers the lowest prices and the second-best customer service rating.
Ranks #1 for affordability out of 7 companies
Strong service quality
Offers roadside assistance and rental car reimbursement
Mediocre claims management
No new car replacement, deductible modification, gap insurance or accident forgiveness
With an average rate of $1,121 per year, it is the cheapest car insurance available for a VW Passat, and it also provides strong customer support. However, State Farm has poor claims management, and those who are looking for new car replacement or accident forgiveness coverage may find this insurer lacking.
State Farm offers very few add-on coverages, but they do have two that could come in handy. With State Farm’s rental car reimbursement coverage, you’ll receive up to $500 (plus up to $500 in deductible repayment) for car rentals, meals, lodging and transportation if your car is in an accident. It also offers roadside assistance, which covers mechanical labor, towing, locksmith labor and the delivery of gas, oil, a battery or a tire if your car is stranded.
Second-cheapest out of 7 insurers
Provides mechanical breakdown insurance and accident forgiveness
Good customer service
No gap insurance, new car replacement or deductible modification coverage
Has below-average score for claims
With the second-cheapest average rate of $1,176 per year, GEICO is a strong runner-up for the best car insurance for VW Passat drivers. It also ranked third for customer service. However, be aware that it has a below-average rating for managing claims and lacks several common coverage options.
Mechanical breakdown insurance (MBI) from GEICO is an add-on that offers better protection for less money than a typical dealer’s extended warranty. All components and parts are covered.
Another practical coverage offered by GEICO is accident forgiveness. Your first at-fault accident won't result in a higher rate if you obtain this endorsement. Drivers over the age of 21 who haven’t had an accident in at least five years may buy accident forgiveness coverage.
The car’s model year affects the average cost of auto insurance. Full coverage insurance for a VW Passat costs around $1,246 per year for a 2009 model or roughly $1,583 for a 2022 model. The latest models are more expensive to insure because cars lose value as they age.
| 2022 | $1,583 |
| 2021 | $1,541 |
| 2020 | $1,470 |
| 2019 | $1,453 |
| 2018 | $1,410 |
| 2017 | $1,383 |
| 2016 | $1,410 |
| 2015 | $1,411 |
| 2014 | $1,342 |
| 2013 | $1,330 |
| 2012 | $1,290 |
| 2011 | $1,248 |
| 2010 | $1,260 |
| 2009 | $1,246 |
The average price of auto insurance for a VW Passat depends on its model year and your chosen insurer. State Farm offers the cheapest insurance for both a 2009 model ($975) and a 2022 model ($1,307).
| State Farm | $1,307 |
| GEICO | $1,323 |
| Nationwide | $1,423 |
| Travelers | $1,497 |
| Progressive | $1,720 |
| Farmers | $1,926 |
| Allstate | $1,977 |
Insurers consider the driver’s age in addition to the vehicle’s model year. Auto insurance is almost always much more costly for teens and young adults than it is for people in their 30s and older.
The typical cost of teen auto insurance for a VW Passat is $6,314 for a 16-year-old, compared to $1,384 for a 40-year-old. Car insurance costs get much more affordable as young drivers age, and rates tend to even out once they hit their 20s.
MoneyGeek advises comparing rates between several insurers to identify the most affordable VW Passat insurance policy. For 16-year-olds, State Farm has the lowest annual average rate of $1,631, while Farmers charges the most ($4,171). You can find cheap rates for teen auto insurance by shopping around.
| State Farm | $4,173 |
| Nationwide | $5,614 |
| Travelers | $5,931 |
| GEICO | $6,227 |
| Allstate | $9,063 |
| Progressive | $9,148 |
| Farmers | $9,717 |
Along with your age and the model year of your VW Passat, where you live affects how much your car insurance will cost. The states with the highest and lowest average insurance costs are Florida and Idaho, respectively. Ask for quotes from insurance providers with the most affordable rates in your state.
| Alabama | Nationwide | $709 | $59 |
| Alaska | State Farm | $699 | $58 |
| Arizona | Root Insurance Company | $682 | $57 |
| Arkansas | State Farm | $629 | $52 |
| California | AAA California | $1,001 | $83 |
| Colorado | American National P&C | $541 | $45 |
| Connecticut | GEICO | $693 | $58 |
| Delaware | State Farm | $881 | $73 |
| District of Columbia | GEICO | $662 | $55 |
| Florida | State Farm | $1,058 | $88 |
| Georgia | Country Financial | $665 | $55 |
| Hawaii | GEICO | $565 | $47 |
| Idaho | American National P&C | $299 | $25 |
| Illinois | Country Financial | $663 | $55 |
| Indiana | American Family | $555 | $46 |
| Iowa | State Farm | $509 | $42 |
| Kansas | Nationwide | $670 | $56 |
| Kentucky | Nationwide | $790 | $66 |
| Louisiana | Louisiana Farm Bureau | $1,048 | $87 |
| Maine | Concord Group | $521 | $43 |
| Maryland | Progressive | $938 | $78 |
| Massachusetts | State Farm | $483 | $40 |
| Michigan | GEICO | $898 | $75 |
| Minnesota | State Farm | $797 | $66 |
| Mississippi | Direct General Insurance | $723 | $60 |
| Missouri | Nationwide | $909 | $76 |
| Montana | Progressive | $437 | $36 |
| Nebraska | American National P&C | $405 | $34 |
| Nevada | CSAA | $940 | $78 |
| New Hampshire | State Farm | $540 | $45 |
| New Jersey | Plymouth Rock Assurance | $895 | $75 |
| New Mexico | State Farm | $644 | $54 |
| New York | Kemper | $781 | $65 |
| North Carolina | Erie | $630 | $52 |
| North Dakota | American Family | $616 | $51 |
| Ohio | Nationwide | $485 | $40 |
| Oklahoma | State Farm | $662 | $55 |
| Oregon | State Farm | $706 | $59 |
| Pennsylvania | Nationwide | $580 | $48 |
| Rhode Island | State Farm | $700 | $58 |
| South Carolina | American National P&C | $463 | $39 |
| South Dakota | Allstate | $746 | $62 |
| Tennessee | State Farm | $579 | $48 |
| Texas | State Farm | $699 | $58 |
| Utah | Nationwide | $725 | $60 |
| Vermont | State Farm | $493 | $41 |
| Virginia | American Family | $601 | $50 |
| Washington | PEMCO | $534 | $44 |
| West Virginia | Erie | $784 | $65 |
| Wisconsin | GEICO | $556 | $46 |
| Wyoming | State Farm | $745 | $62 |
When looking for auto insurance, both price and service quality are important factors to take into account. MoneyGeek answers frequently asked questions related to buying auto insurance for your VW Passat.
The yearly insurance cost for a VW Passat is $1,431. State Farm offers the most cost-effective car insurance for a VW Passat at an average rate of $1,121.
The best car insurance company for a VW Passat is State Farm, thanks to its low prices and top-notch customer service. GEICO is the runner-up, with slightly less impressive scores for both affordability and customer satisfaction.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned 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 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
