- Volkswagen Passat insurance rates cost an average of $1,632 per year, $816 for a 6-month policy, or $136 per month.
- The cheapest Passat insurance is on the SE trim level costing an average of $1,612 per year, or $134 per month. The model with the most expensive insurance is the Limited Edition at $1,660 per year, or around $138 per month.
- When compared to the entire 2022 midsize car segment, the VW Passat ranks in the top half at fifth out of 13 total comparison vehicles.
- On a state level, car insurance rates range from a low of $982 per year in Maine to $2,232 in Michigan. Rates in a few larger cities include $2,876 in New York City, $1,674 in Dallas, TX, and $2,184 in Oakland, CA.
How much does VW Passat insurance cost?
Volkswagen Passat insurance rates average $1,632 a year, or $136 monthly, for a full coverage policy. Overall, expect to pay around $93 less per year for Volkswagen Passat insurance compared to similar vehicles, and $53 less per year than the all-vehicle national average of $1,685.
The following chart illustrates average car insurance cost for a 2022 Volkswagen Passat rated for different driver ages and risk profiles.
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 $5,808 per year for full coverage on a new Passat, while a 16-year-old female would pay about $5,112. At age 17, males would pay around $5,440 and females $4,830.
The following table shows average VW Passat car insurance premiums for the 2013-2022 model years and rates for drivers age 20 through 60.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2022 Volkswagen Passat | $3,246 | $1,632 | $1,462 |
| 2021 Volkswagen Passat | $3,306 | $1,654 | $1,478 |
| 2020 Volkswagen Passat | $3,266 | $1,632 | $1,460 |
| 2019 Volkswagen Passat | $3,042 | $1,520 | $1,362 |
| 2018 Volkswagen Passat | $3,070 | $1,532 | $1,374 |
| 2017 Volkswagen Passat | $2,964 | $1,482 | $1,326 |
| 2016 Volkswagen Passat | $2,806 | $1,404 | $1,258 |
| 2015 Volkswagen Passat | $2,792 | $1,406 | $1,260 |
| 2014 Volkswagen Passat | $2,692 | $1,346 | $1,210 |
| 2013 Volkswagen Passat | $2,894 | $1,448 | $1,302 |
What is the cheapest VW Passat insurance?
The cheapest Volkswagen Passat insurance rates are on the SE at around $1,612 per year, or about $134 per month. The second cheapest model is the R-Line at $1,626 per year.
The $30,295 Limited Edition trim is the most expensive to insure, costing an average of $48 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.
| Volkswagen Passat Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| SE | $1,612 | $806 | $134 |
| R-Line | $1,626 | $813 | $136 |
| Limited Edition | $1,660 | $830 | $138 |
How does VW Passat insurance cost compare?
When compared to other midsize cars, car insurance for a Volkswagen Passat costs $8 more per year than the Toyota Camry, $94 less than the Honda Accord, $220 less than the Nissan Altima, and $102 less than the Tesla Model 3.
The Volkswagen Passat ranks fifth out of 13 total comparison vehicles in the midsize car class. The Passat costs an estimated $1,632 per year for full coverage insurance, while the segment median rate is $1,725 annually, a difference of $93 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).
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Subaru Legacy | $1,604 | -$28 |
| 2 | Honda Insight | $1,610 | -$22 |
| 3 | Toyota Camry | $1,624 | -$8 |
| 4 | Kia K5 | $1,628 | -$4 |
| 5 | Volkswagen Passat | $1,632 | -- |
| 6 | Mazda 6 | $1,648 | $16 |
| 7 | Chevrolet Malibu | $1,722 | $90 |
| 8 | Honda Accord | $1,726 | $94 |
| 9 | Tesla Model 3 | $1,734 | $102 |
| 10 | Volkswagen Arteon | $1,800 | $168 |
| 11 | Nissan Altima | $1,852 | $220 |
| 12 | Hyundai Sonata | $1,890 | $258 |
| 13 | Kia Stinger | $1,950 | $318 |
Cost of full coverage vs. liability only
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.
| Vehicle Model Year | Full Coverage Insurance | Liability Insurance |
|---|---|---|
| 2012 Volkswagen Passat | $1,408 | $756 |
| 2011 Volkswagen Passat | $1,354 | $750 |
| 2010 Volkswagen Passat | $1,308 | $744 |
| 2009 Volkswagen Passat | $1,256 | $738 |
| 2008 Volkswagen Passat | $1,204 | $726 |
| 2007 Volkswagen Passat | $1,158 | $714 |
| 2006 Volkswagen Passat | $1,142 | $708 |
| 2005 Volkswagen Passat | $1,122 | $702 |
| 2004 Volkswagen Passat | $1,088 | $696 |
| 2003 Volkswagen Passat | $1,066 | $690 |
| 2002 Volkswagen Passat | $1,045 | $676 |
| 2001 Volkswagen Passat | $1,024 | $663 |
| 2000 Volkswagen Passat | $1,003 | $649 |
Rates in large U.S. cities
Insurance cost for a Volkswagen Passat varies significantly, from cheaper premiums like $1,094 a year in Virginia Beach, VA, or $1,210 in Columbus, OH, to more expensive rates like $2,834 a year in New Orleans, LA, and $2,876 in New York City, NY.
Volkswagen Passat insurance cost in some additional cities include Nashville, TN, costing $1,602 per year, Seattle, WA, at $1,662, San Francisco, CA, averaging $2,200, and Minneapolis, MN, at $1,650.
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.
| City/State | Annual Rate | Monthly Rate |
|---|---|---|
| New York, NY | $2,876 | $240 |
| Philadelphia, PA | $2,554 | $213 |
| Las Vegas, NV | $2,548 | $212 |
| Los Angeles, CA | $2,542 | $212 |
| San Francisco, CA | $2,200 | $183 |
| Kansas City, MO | $1,956 | $163 |
| Oklahoma City, OK | $1,956 | $163 |
| Denver, CO | $1,920 | $160 |
| Memphis, TN | $1,920 | $160 |
| Atlanta, GA | $1,894 | $158 |
| San Jose, CA | $1,842 | $154 |
| Phoenix, AZ | $1,794 | $150 |
| Portland, OR | $1,770 | $148 |
| San Diego, CA | $1,760 | $147 |
| Boston, MA | $1,754 | $146 |
| Jacksonville, FL | $1,750 | $146 |
| Chicago, IL | $1,700 | $142 |
| Dallas, TX | $1,674 | $140 |
| Houston, TX | $1,666 | $139 |
| Seattle, WA | $1,662 | $139 |
| Nashville, TN | $1,602 | $134 |
| Milwaukee, WI | $1,592 | $133 |
| Albuquerque, NM | $1,560 | $130 |
| San Antonio, TX | $1,512 | $126 |
| Omaha, NE | $1,470 | $123 |
| Fort Worth, TX | $1,460 | $122 |
| Austin, TX | $1,444 | $120 |
| Indianapolis, IN | $1,316 | $110 |
| Columbus, OH | $1,210 | $101 |
| Charlotte, NC | $1,156 | $96 |
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 $49 and $173 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 $3,246 per year, while a 20-year-old female driver will get a rate of $2,402, a difference of $844 per year definitely in the women’s favor. But by age 50, male driver rates are $1,488 and the rate for females is $1,458, a difference of only $30.
- Volkswagen Passat insurance for teen drivers is expensive. Average rates for full coverage Passat insurance costs $5,808 per year for a 16-year-old driver, $5,440 per year for a 17-year-old driver, and $5,086 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 ($1,462 per year) and a 20-year-old driver ($3,246 per year) is $1,784, 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 $1,956 or more per year.
- Avoid accidents to save on insurance. Having at-fault accidents will cost you more, potentially by an additional $2,280 per year for a 20-year-old driver and even as much as $492 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 $274 per year.
