Volkswagen Passat Car Insurance Calculator

Discover and learn how different factors influence insurance rates for a Volkswagen Passat. Fine-tune factors like driver gender, whether you're married or single, the state and city you live in, and homeowner status. Instantly see if the choice you made has a positive or negative impact on rates and exactly why.

The average estimated car insurance premium for a 2022 Volkswagen Passat is $2,112 per year, or about $176 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,112

Cost Per Month

$176

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Volkswagen Passat Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Volkswagen Passat.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,112
Average Rate
Your Rate
$2,112

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Volkswagen Passat.

The 'Average Rate' is a combined value for all Volkswagen Passat trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2022 Volkswagen Passat is $2,112.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2022 Volkswagen Passat vs. the Midsize Car Segment

The table below compares insurance rates for the 2022 Volkswagen Passat against all other models in the midsize car segment. The Volkswagen Passat is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Volkswagen Passat, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Volkswagen Passat.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2022 Volkswagen Passat Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Subaru Legacy$2,072-$40
2Honda Insight$2,078-$34
3Kia K5$2,094-$18
4Toyota Camry$2,102-$10
5Volkswagen Passat$2,112--
6Mazda 6$2,130$18
7Honda Accord$2,228$116
2022 Midsize Car Average$2,228$116
8Chevrolet Malibu$2,234$122
9Tesla Model 3$2,246$134
10Volkswagen Arteon$2,326$214
11Nissan Altima$2,390$278
12Hyundai Sonata$2,432$320
13Kia Stinger$2,520$408

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2022 Passat Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 Volkswagen Passat.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2022 Volkswagen Passat Insurance Rates by Trim Level
2022 Volkswagen Passat Trim Level Annual Premium Cost Per Month
SE$2,084$174
R-Line$2,104$175
Limited Edition$2,150$179

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2022 Volkswagen Passat for different driver ages.

2022 Volkswagen Passat Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,493$624
17$7,267$606
18$6,530$544
19$5,940$495
20$4,554$380
21$4,347$362
22$3,897$325
23$3,194$266
24$3,021$252
25$2,452$204
30$2,254$188
35$2,170$181
40$2,112$176
45$1,974$165
50$1,870$156
55$1,746$146
60$1,750$146
65$1,866$156
70$2,010$168
75$2,360$197
80$2,904$242

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Volkswagen Passat trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Volkswagen Passat.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Volkswagen Passat Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2022 Volkswagen Passat$2,112$176
2021 Volkswagen Passat$2,132$178
2020 Volkswagen Passat$2,070$173
2019 Volkswagen Passat$1,924$160
2018 Volkswagen Passat$1,898$158
2017 Volkswagen Passat$1,836$153
2016 Volkswagen Passat$1,698$142
2015 Volkswagen Passat$1,690$141
2014 Volkswagen Passat$1,618$135
2013 Volkswagen Passat$1,736$145

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Volkswagen Passat trim levels for each model year.