2018 Volkswagen Passat Car Insurance Calculator

Learn and understand how the choices you make impact the insurance cost for a 2018 Volkswagen Passat. Customize rate factors like your marital status, location, homeowner status, and credit rating. Instantly know if the decisions you make influence insurance rates.

The average estimated car insurance premium for a 2018 Volkswagen Passat is $1,898 per year, or about $158 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

$1,898

Cost Per Month

$158

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 2018 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.

$1,898
Average Rate
Your Rate
$1,898

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.

The 'Average Rate' is a combined value for all 2018 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 2018 Volkswagen Passat is $1,898.

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.

2018 Volkswagen Passat vs. the Midsize Car Segment

The table below compares insurance rates for the 2018 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.

2018 Volkswagen Passat Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda 6$1,692-$206
2Buick Cascada$1,694-$204
3Subaru Legacy$1,782-$116
4Buick Regal$1,792-$106
5Toyota Camry$1,850-$48
6Buick LaCrosse$1,870-$28
7Chevrolet Malibu$1,872-$26
8Volkswagen Passat$1,898--
9Honda Accord$1,900$2
2018 Midsize Car Average$1,901$3
10Kia Optima$1,934$36
11Hyundai Sonata$1,986$88
12Nissan Altima$1,996$98
13Ford Fusion$2,006$108
14Tesla Model 3$2,082$184
15Kia Stinger$2,156$258

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.

2018 Passat Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Volkswagen Passat Insurance Rates by Trim Level
2018 Volkswagen Passat Trim Level Annual Premium Cost Per Month
S Sedan$1,808$151
R-Line Sedan$1,866$156
SE Sedan$1,920$160
SE Tech Sedan$1,920$160
SEL Premium Sedan$1,978$165

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 2018 Volkswagen Passat for different driver ages.

2018 Volkswagen Passat Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,944$579
17$6,689$557
18$5,919$493
19$5,412$451
20$4,119$343
21$3,927$327
22$3,498$292
23$2,888$241
24$2,720$227
25$2,204$184
30$2,016$168
35$1,952$163
40$1,898$158
45$1,778$148
50$1,688$141
55$1,578$132
60$1,582$132
65$1,686$141
70$1,840$153
75$2,190$183
80$2,708$226

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.