Volkswagen Passat Car Insurance Cost for 2022

How do Passat insurance rates compare to other midsize cars? We compare costs from the VW Passat SE to the Limited Edition model to see how prices compare to the competition.

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How much does VW Passat insurance cost?

Volkswagen Passat insurance rates average $1,508 a year, or $126 monthly, for a full coverage policy. Overall, expect to pay around $81 less per year for Volkswagen Passat insurance compared to similar vehicles, and $59 less per year than the all-vehicle national average of $1,567.

The following chart illustrates average car insurance cost for a 2022 Volkswagen Passat rated for different driver ages and risk profiles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Volkswagen Passat with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Volkswagen Passat trim levels.Data last updated on September 13, 2022
Volkswagen Passat Insurance Cost Summary
Volkswagen Passat Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,414$285
Safe Driver Age 20$2,990$249
At-fault Accidents Age 40$2,118$177
Low Deductibles Age 40$1,980$165
Safe Driver Age 30$1,594$133
Safe Driver Age 40$1,508$126
Safe Driver Age 50$1,372$114
Safe Driver Age 60$1,346$112
High Deductibles Age 40$1,264$105
Discount Rate Age 40$1,252$104

The insurance cost estimate chart above illustrates an intentionally limited set of data points from a very large data set. If we showed every rate for every risk scenario, including all three different trim levels of Passat and all 40,000+ zip codes in the U.S., the chart would contain 290,304,000,000 different rates.

Not shown in the chart are rates for teenage drivers, which are the highest-cost age group to insure.  A 16-year-old male driver with a clean driving record would pay around $5,326 per year for full coverage on a new Passat, while a 16-year-old female would pay about $4,684. At age 17, males would pay around $4,996 and females $4,430.

The following table shows average VW Passat car insurance premiums for the 2013-2022 model years and rates for drivers age 20 through 60.

Volkswagen Passat Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$2,990$1,594$1,508$1,372$1,346
2021$3,024$1,590$1,510$1,378$1,354
2020$2,972$1,562$1,484$1,356$1,330
2019$2,800$1,468$1,398$1,278$1,254
2018$2,826$1,482$1,412$1,290$1,266
2017$2,768$1,446$1,380$1,264$1,240
2016$2,600$1,358$1,300$1,190$1,168
2015$2,630$1,370$1,322$1,208$1,186
2014$2,510$1,298$1,254$1,150$1,130
2013$2,686$1,382$1,344$1,230$1,206

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
VW Passat Insurance Cost by Model Year

What is the cheapest VW Passat insurance?

The cheapest Volkswagen Passat insurance rates are on the SE at around $1,488 per year, or about $124 per month. The second cheapest model is the R-Line at $1,502 per year.

The $30,295 Limited Edition trim is the most expensive to insure, costing an average of $46 more per year than the cheapest SE model.

The next table shows average VW Passat car insurance cost for each 2022 model year package and trim level.

2022 Volkswagen Passat Insurance Cost by Trim Level
Volkswagen Passat Trim Level Annual Policy 6-month Policy Per Month
SE$1,488$744$124
R-Line$1,502$751$125
Limited Edition$1,534$767$128

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Volkswagen Passat, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
Volkswagen Passat Insurance Cost by Trim Level

How does VW Passat insurance cost compare?

When compared to other midsize cars, car insurance for a Volkswagen Passat costs $6 more per year than the Toyota Camry, $80 less than the Honda Accord, $198 less than the Nissan Altima, and $94 less than the Tesla Model 3.

The Volkswagen Passat ranks #5 out of 13 total comparison vehicles in the midsize car class. The Passat costs an estimated $1,508 per year for full coverage insurance, while the segment median rate is $1,589 annually, a difference of $81 per year.

The table below shows how well average auto insurance cost for a Passat compares to all other midsize cars (excluding luxury midsize models).

Insurance Cost Comparison: Volkswagen Passat vs Midsize Cars
Rank Make/Model Insurance Cost Difference
1Subaru Legacy$1,480-$28
2Honda Insight$1,482-$26
3Kia K5$1,498-$10
4Toyota Camry$1,502-$6
5Volkswagen Passat$1,508--
6Mazda 6$1,518$10
7Chevrolet Malibu$1,584$76
8Honda Accord$1,588$80
9Tesla Model 3$1,602$94
10Volkswagen Arteon$1,660$152
11Nissan Altima$1,706$198
12Hyundai Sonata$1,736$228
13Kia Stinger$1,798$290

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
Insurance Cost Comparison: Volkswagen Passat vs Midsize Cars

How much is Passat liability insurance?

At some point, drivers may have to make the decision to drop full coverage and just insure their Passat for liability only. The table below compares full coverage and liability-only insurance rates for the 2000 to 2012 Passat model years.

Volkswagen Passat Insurance Rates for 2000 to 2012 Model Years
Vehicle Model Year Full Coverage Insurance Liability Insurance
2012 Volkswagen Passat$1,304$688
2011 Volkswagen Passat$1,266$682
2010 Volkswagen Passat$1,220$678
2009 Volkswagen Passat$1,178$672
2008 Volkswagen Passat$1,134$666
2007 Volkswagen Passat$1,086$656
2006 Volkswagen Passat$1,042$644
2005 Volkswagen Passat$1,028$638
2004 Volkswagen Passat$1,012$634
2003 Volkswagen Passat$982$628
2002 Volkswagen Passat$960$622
2001 Volkswagen Passat$941$610
2000 Volkswagen Passat$922$597

Get Rates in Your AreaWhy is this important?

Table Data Details: Average insurance rates for each Volkswagen Passat model year assume a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premium amounts. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
VW Passat Liability Insurance Rates

How much does Passat insurance cost vary by location?

Insurance cost for a Volkswagen Passat varies significantly, from cheaper premiums like $1,010 a year in Virginia Beach, VA, or $1,132 in Columbus, OH, to more expensive rates like $3,522 a year in New Orleans, LA, and $2,840 in New York, NY.

Volkswagen Passat insurance cost in some additional cities include Nashville, TN, costing $1,532 per year, Seattle, WA, at $1,594, San Francisco, CA, averaging $2,144, and Minneapolis, MN, at $1,582.

The following chart visualizes typical insurance cost data for a Volkswagen Passat for the 15 most populated cities in America. Following the chart, we also added a more comprehensive rate table that ranks Passat insurance rates in the top 50 largest cities in the U.S.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 Volkswagen Passat, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Volkswagen Passat trim levels.Data last updated on September 13, 2022
Volkswagen Passat Insurance Rates in Large U.S. Cities
Volkswagen Passat Insurance Rates by Location
City/State Annual Rate Monthly Rate
Detroit, MI$5,894$491
New Orleans, LA$3,522$294
Miami, FL$2,908$242
New York, NY$2,840$237
Philadelphia, PA$2,508$209
Las Vegas, NV$2,502$209
Los Angeles, CA$2,496$208
Louisville, KY$2,392$199
San Francisco, CA$2,144$179
Jacksonville, FL$2,136$178
Oakland, CA$2,130$178
Sacramento, CA$2,016$168
Baltimore, MD$1,974$165
Long Beach, CA$1,954$163
Tulsa, OK$1,912$159
Oklahoma City, OK$1,898$158
Kansas City, MO$1,898$158
Denver, CO$1,858$155
Memphis, TN$1,858$155
Atlanta, GA$1,834$153
Colorado Springs, CO$1,816$151
Fresno, CA$1,792$149
San Jose, CA$1,780$148
Phoenix, AZ$1,730$144
Portland, OR$1,704$142
San Diego, CA$1,694$141
Boston, MA$1,688$141
Wichita, KS$1,640$137
Chicago, IL$1,636$136
Dallas, TX$1,606$134
Houston, TX$1,600$133
Seattle, WA$1,594$133
Minneapolis, MN$1,582$132
Birmingham, AL$1,576$131
Nashville, TN$1,532$128
Milwaukee, WI$1,522$127
Indianapolis, IN$1,516$126
Mesa, AZ$1,516$126
Albuquerque, NM$1,492$124
Tucson, AZ$1,458$122
San Antonio, TX$1,442$120
Omaha, NE$1,396$116
Fort Worth, TX$1,388$116
El Paso, TX$1,386$116
Austin, TX$1,370$114
Cleveland, OH$1,194$100
Columbus, OH$1,132$94
Charlotte, NC$1,078$90
Virginia Beach, VA$1,010$84
Raleigh, NC$938$78

Additional Rates and Policy Information

It’s difficult to present the full range of insurance rates in a single article, since there are so many variables that affect the rate you ultimately pay. Below are a few more situations and things to watch out for when shopping around for insurance on your Passat.

  • Get cheaper rates because of your profession. Some car insurance providers offer discounts for being employed in occupations like engineers, doctors, accountants, police officers and law enforcement, high school and elementary teachers, and others. Being employed in a qualifying profession could save between $45 and $159 on your annual auto insurance bill, depending on the coverage levels.
  • Driver age and gender matter. For a 2022 Volkswagen Passat, a 20-year-old man will pay an estimated rate of $2,990 per year, while a 20-year-old female driver will get a rate of $2,218, a difference of $772 per year definitely in the women’s favor. But by age 50, male driver rates are $1,372 and the rate for females is $1,346, a difference of only $26.
  • Volkswagen Passat insurance for teen drivers is expensive. Average rates for full coverage Passat insurance costs $5,326 per year for a 16-year-old driver, $4,996 per year for a 17-year-old driver, and $4,672 per year for a 18-year-old driver.
  • As age goes up, auto insurance cost goes down. The difference in insurance rates for a Volkswagen Passat between a 60-year-old driver ($1,346 per year) and a 20-year-old driver ($2,990 per year) is $1,644, or a savings of 55%.
  • High-risk drivers pay a lot more for insurance. For a 40-year-old driver, the requirement to buy a high-risk policy increases the cost by $1,796 or more per year.
  • Avoid accidents to save on insurance. Having at-fault accidents will cost you more, potentially by an additional $2,092 per year for a 20-year-old driver and even as much as $446 per year for a 60-year-old driver.
  • Get cheaper rates by researching discounts. Discounts may be available if the insured drivers are claim-free, drive low annual mileage, insure multiple vehicles on the same policy, are good students, or many other discounts which could save the average driver as much as $256 per year.