Toyota Camry vs. Volkswagen Passat Car Insurance Cost

• When comparing 2022 models, a Toyota Camry costs less to insure than a Volkswagen Passat by an average of $12 per year.
• For a 2022 Toyota Camry, insurance rates cost from $2,008 to $2,364 per year, while a 2022 Volkswagen Passat ranges from $2,132 to $2,200.
• With 13 models in the 2022 midsize car segment, the Toyota Camry ranks fourth and the Volkswagen Passat ranks fifth for most affordable car insurance rates.
• When compared to the average U.S. car insurance rate of $2,276 per year, the Toyota Camry costs $124 less per year, while the Volkswagen Passat costs $112 less per year.

Does a Camry or Passat cost less to insure?

For the 2022 model year, the model having the cheapest rates is the Toyota Camry. Insurance on a Toyota Camry costs an average of $2,152 per year, and the Volkswagen Passat costs an average of $2,164 per year.

Within each different model, however, car insurance cost varies considerably for different trim levels. Using the Toyota Camry to illustrate this point, average insurance rates range from the cheapest rate of $2,008 per year for the LE model up to the most expensive rate of $2,364 for the XSE Hybrid model. For the 2022 Volkswagen Passat, rates range from $2,132 per year for the SE model up to $2,200 on the Limited Edition model.

The table shown below ranks the annual and monthly car insurance cost for 2022 Toyota Camry and Volkswagen Passat models, showing average premium cost for each trim level.

The following chart shows the average insurance cost for both models for drivers aged 20 to 50. Insurance cost ranges from $1,910 to $4,330 per year for a 2022 Toyota Camry, and $1,914 to $4,350 for a 2022 Volkswagen Passat for the different drivers illustrated in the chart

Out of 17 Toyota Camry trim levels, the cheapest 2022 trim to insure is the LE trim at an average cost of $2,008 per year.

For the three different trims available for the Volkswagen Passat, the cheapest 2022 trim to insure is the SE model at a cost of $2,132.

The two tables below detail the expected annual car insurance cost by trim level for both 2022 models, including an overall average cost for each model. The winner for the 2022 car insurance battle is the Toyota Camry.

2021 Toyota Camry vs. Volkswagen Passat

A 2021 Toyota Camry costs $20 less per year to insure per year on average than a 2021 Volkswagen Passat, a difference of 0.9%.

The chart below displays the average insurance cost for both 2021 models for a range of driver ages. Average full-coverage insurance ranges from $1,920 to $4,368 per year for a 2021 Toyota Camry, and $1,936 to $4,436 for a 2021 Volkswagen Passat for the chosen age groups in the chart

The 2021 Toyota Camry has eight trims available, with the cheapest model to insure being the L Sedan model at an average cost of $1,964 per year, or about $164 per month.

The 2021 Volkswagen Passat has five different option levels available, with the cheapest trim to insure being the S Sedan trim at an average cost of $2,096 per year, or about $175 per month.

When rates for all 13 trim levels for the 2021 model year of both models are compared, the most affordable model and trim level to insure is the Toyota Camry L Sedan at an average cost of $1,964 per year, and the most expensive vehicle to insure is the Toyota Camry Hybrid XLE Sedan at an average cost of $2,380 per year.

The next two rate tables break down all the available trims for both 2021 models, as well as an average rate for each model. The 2021 Toyota Camry is the winner over the 2021 Volkswagen Passat for cheapest car insurance rates.

2020 Toyota Camry vs. Volkswagen Passat

For the 2020 Toyota Camry and Volkswagen Passat models, the Toyota Camry has cheaper car insurance rates by $22 per year.

The next chart visualizes the average car insurance cost for both models rated for different driver ages. For a 2020 Toyota Camry, the average cost of car insurance ranges from $1,862 to $4,236 per year for the five driver age examples in the chart. Auto insurance on a 2020 Volkswagen Passat ranges from $1,882 to $4,308 on average per year.

For the eight trims available for the 2020 Toyota Camry, the cheapest model to insure is the L Sedan model at an average cost of $1,904 per year, or $159 per month. For the five different trims available for the Volkswagen Passat, the cheapest 2020 model to insure is the S Sedan model at a cost of $2,036.

When comparing aggregated rates for both models from a trim-level perspective, the lowest-cost model and trim level to put coverage on is the Toyota Camry L Sedan at an average of $1,904 per year. The most expensive trim is the Toyota Camry Hybrid XLE Sedan at a cost of $2,308 per year.

The next two rate tables detail the average insurance cost by trim level for both 2020 models, along with an average cost for each model. The cheapest of the two models to insure for the 2020 model year is the Toyota Camry.

2019 Toyota Camry vs. Volkswagen Passat

For 2019 Toyota Camry and Volkswagen Passat models, insurance rates are a virtual tie. The Passat edges out the Camry for drivers age 30 and 50, but costs more for a 20-year-old driver.

The next chart displays the average cost to insure the two models with different drivers at the wheel. For a 2019 Toyota Camry, average car insurance cost ranges from $1,744 to $3,964 per year for the sample drivers in the chart. Full-coverage insurance for a 2019 Volkswagen Passat ranges from $1,754 to $4,002 on average per year.

The 2019 Toyota Camry has eight trims available, with the cheapest model to insure being the L Sedan model at an average cost of $1,618 per year, or about $135 per month. For the two trim options available for the Volkswagen Passat, the cheapest 2019 trim to insure is the Wolfsburg Sedan trim at a cost of $1,884 per year, or $157 per month.

When rates for all 10 trim levels for both vehicles are compared, the cheapest model and trim level to buy insurance for is the Toyota Camry L Sedan at an average rate of $1,618 per year. The most expensive trim is the Toyota Camry Hybrid XLE Sedan at a cost of $2,126 per year.

The next tables detail average car insurance cost by trim level for a 2019 Toyota Camry and Volkswagen Passat, including an overall average rate.

2018 Toyota Camry vs. Volkswagen Passat

For 2018 Toyota Camry and Volkswagen Passat models, the Toyota Camry is cheaper to insure by an average of $50 per year.

The chart shown below demonstrates the average car insurance cost for both models for drivers from age 20 to 50. The average cost of car insurance ranges from $1,690 to $3,826 per year on a 2018 Toyota Camry, and $1,730 to $3,942 on a 2018 Volkswagen Passat for these driver ages.

Out of eight trims for the 2018 Toyota Camry, the cheapest insurance prices are on the L Sedan trim at a cost of $1,694 per year.

The 2018 Volkswagen Passat has five trim levels available, with the cheapest model to insure being the S Sedan trim at an average cost of $1,852 per year.

When trim-level rates for both models are compared, the lowest-cost model and trim to insure is the Toyota Camry L Sedan at a cost of $1,694 per year. The highest-cost model and trim is the Toyota Camry Hybrid XLE Sedan at a cost of $2,042 per year.

The next two tables detail the average cost to insure all 2018 trim levels, including an overall average rate.

2017 Toyota Camry vs. Volkswagen Passat

When comparing average insurance rates for 2017 models, a Toyota Camry costs an average of $1,834 per year to insure while a Volkswagen Passat costs $1,878, making the Toyota Camry more affordable to insure by $44 per year.

The chart shown below demonstrates the average cost to insure the two models for drivers aged 20 to 50. The average car insurance cost ranges from $1,638 to $3,700 per year for a 2017 Toyota Camry, and $1,674 to $3,808 for a 2017 Volkswagen Passat for these driver ages.

For the seven trims available for the 2017 Toyota Camry, the cheapest trim to insure is the LE Sedan trim at an average cost of $1,710 per year, or about $143 per month.

For the seven different trims available for the Volkswagen Passat, the cheapest 2017 trim package to insure is the 1.8 S Sedan trim at a cost of $1,784 per year, or about $149 per month.

When looking at the aggregated rates by trim level for both models, the cheapest model and trim level to insure is the Toyota Camry LE Sedan at an average cost of $1,710 per year. The highest-cost model and trim is the Volkswagen Passat 3.6 SEL Premium Sedan at an average of $2,000 per year.

The two tables below show average car insurance cost by trim level for each 2017 model, including an overall average cost for each model. The cheapest of the two models to insure for the 2017 model year is the Toyota Camry.

2016 Toyota Camry vs. Volkswagen Passat

For 2016 Toyota Camry and Volkswagen Passat models, the Toyota Camry has cheaper car insurance rates by $44 per year for this model year.

The chart below displays the average cost to insure the two models using a range of rated driver ages. The average cost of car insurance ranges from $1,518 to $3,406 per year for a 2016 Toyota Camry, and $1,552 to $3,504 for a 2016 Volkswagen Passat for the sample drivers in the chart

The 2016 Toyota Camry has seven trims available, with the cheapest trim to insure being the LE Sedan model at an average cost of $1,646 per year, or around $137 per month. The 2016 Volkswagen Passat has four different trim levels available, with the cheapest model to insure being the 1.8 S Sedan model at an average cost of $1,592 per year.

When car insurance rates for all 11 trims of both models are combined and sorted by cost, the most affordable model and trim level to insure is the Volkswagen Passat 1.8 S Sedan at a cost of $1,592 per year. The most expensive model and trim level is the Volkswagen Passat 3.6 SEL Premium Sedan costing an average of $1,856 per year.

The tables below break down the expected annual car insurance cost by trim level for both 2016 models, including an overall average cost for each model. The 2016 Toyota Camry reigns victorious over the 2016 Volkswagen Passat for cheapest car insurance rates.

2015 Toyota Camry vs. Volkswagen Passat

A 2015 Toyota Camry is $186 cheaper to insure per year on average than a 2015 Volkswagen Passat, a difference of 11.4%.

The next chart demonstrates the average car insurance cost for both 2015 models for drivers from age 20 to 50. For a 2015 Toyota Camry, average insurance cost ranges from $1,386 to $3,094 per year for the illustrated age groups. A full-coverage policy for a 2015 Volkswagen Passat ranges from $1,556 to $3,476 on average per year.

Out of seven trim levels for the 2015 Toyota Camry, the cheapest insurance rates are on the LE Sedan trim at a cost of $1,426 per year.

For the eight different trim levels available for the Volkswagen Passat, the cheapest 2015 trim to insure is the 1.8 S Sedan trim at a cost of $1,576.

When comparing car insurance rates for both models by trim level, the cheapest trim to buy insurance for is the Toyota Camry LE Sedan at an average of $1,426 per year. The most expensive trim is the Volkswagen Passat 3.6 SEL Premium Sedan costing $1,836 per year.

The tables below detail average car insurance rates for every trim level for both 2015 models, plus an average rate for each model.

Additional Toyota Camry and Volkswagen Passat Resources

• Toyota Camry Insurance Cost
• Volkswagen Passat Insurance Cost
• Midsize Car Insurance Cost Comparisons