Newer Volkswagen Passats cost more to insure than older models due to model year's substantial impact on premiums. Monthly rates run from $274 for newer Passats down to $45 for older models, reflecting higher market values.
Volkswagen Passat Insurance Cost
Updated: February 4, 2026
Key Takeaways
GEICO offers the most affordable Volkswagen Passat insurance on average, though full coverage costs vary widely by model year and insurer. You'll pay around $162 monthly for comprehensive protection. Read more
Wagons cost less to insure than other vehicle types due to better safety ratings and lower repair costs, but the Passat ranks fifth for affordability out of 40 wagons. Read more
Your Passat's specific model year makes a big difference in insurance rates, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific Passat model years, depending on the age of the drivers
How Much Is Volkswagen Passat Insurance?
Looking for another Volkswagen model? Read more about the cost of Volkswagen car insurance models.
Costs vary by model year and company. Volkswagen Passat minimum coverage spans $52 monthly with GEICO to $134 with UAIC, while full coverage ranges from $112 monthly with GEICO to higher rates with AIG.
Rate variations (more than $82 for minimum coverage and $158 for full coverage) demonstrate why Passat owners need to shop around. Insurance companies calculate risk differently for each model, which impacts your final quote.
| AAA | $83 | $171 |
| AIG | $109 | $270 |
| Allstate | $95 | $182 |
| Amica | $89 | $181 |
| Chubb | $98 | $191 |
| Farmers | $107 | $188 |
| Geico | $52 | $112 |
| Kemper | $77 | $154 |
| Nationwide | $93 | $161 |
| Progressive | $79 | $148 |
| State Farm | $68 | $142 |
| The Hartford | $84 | $143 |
| Travelers | $72 | $132 |
| UAIC | $134 | $167 |
Is Volkswagen Passat Expensive to Insure?
Comparing the Volkswagen Passat to similar vehicles shows it's reasonably priced to insure. MoneyGeek analyzed 40 wagons in our database and found the Passat ranks fifth for affordability, meaning just four wagons cost less to insure. It's positioned a few dollars per month more than a Volvo V40 but slightly cheaper than a Mercedes C-Class, putting it in solid middle territory among wagons.
That middle ranking among wagons tells a positive story overall since wagons tend to be pricier to insure. The Passat's 22nd place out of 827 total vehicles puts it among the top 3% most affordable cars to insure. The cheapest wagon option is the Saab 9-5, while the Audi RS 6 commands the highest premiums in this category.
| Saturn L-Series | $82 | 2 |
| Saturn S-Series | $83 | 3 |
| Volvo V40 | $87 | 4 |
| Volkswagen Passat | $88 | 5 |
| Mercedes C-Class | $89 | 6 |
| Volvo V70 | $97 | 7 |
| Volvo V50 | $103 | 8 |
Several factors affect what you'll pay for Volkswagen Passat insurance:
- Average Repair or Replacement Costs: With annual repair costs averaging $854, the Volkswagen Passat offers relatively moderate maintenance expenses compared to other luxury sedans in its class.
- Vehicle Trim, Features and Accessories: Horsepower ranges from 174 to 280 hp in higher trims, with performance variants commanding higher premiums. The Passat's powerful capabilities in upper trim levels directly increase insurance costs due to enhanced performance features.
- Driver Profile: Most Volkswagen Passat drivers fall around the 40 to 50 age range, earning lower rates due to responsible driving habits. However, the Passat's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Volkswagen Passats for young drivers.
Volkswagen Passat Insurance Cost by State
Car insurance for a Volkswagen Passat costs as little as $26 per month in Wyoming or as much as $149 in Louisiana for minimum coverage. These dramatic differences reflect your state's risk factors and insurance regulations, not anything about the vehicle itself.
| Alabama | $62 | $116 |
| Alaska | $53 | $111 |
| Arizona | $90 | $166 |
| Arkansas | $59 | $131 |
| California | $73 | $148 |
| Colorado | $69 | $166 |
| Connecticut | $108 | $184 |
| Delaware | $109 | $182 |
| Florida | $104 | $239 |
| Georgia | $116 | $189 |
| Hawaii | $38 | $87 |
| Idaho | $41 | $83 |
| Illinois | $69 | $129 |
| Indiana | $47 | $93 |
| Iowa | $39 | $95 |
| Kansas | $53 | $122 |
| Kentucky | $94 | $160 |
| Louisiana | $149 | $320 |
| Maine | $37 | $77 |
| Maryland | $119 | $201 |
| Massachusetts | $76 | $161 |
| Michigan | $114 | $218 |
| Minnesota | $60 | $123 |
| Mississippi | $63 | $125 |
| Missouri | $85 | $170 |
| Montana | $50 | $118 |
| Nebraska | $53 | $121 |
| Nevada | $138 | $249 |
| New Hampshire | $52 | $91 |
| New Jersey | $126 | $208 |
| New Mexico | $60 | $134 |
| New York | $93 | $166 |
| North Carolina | $59 | $115 |
| North Dakota | $41 | $89 |
| Ohio | $56 | $109 |
| Oklahoma | $66 | $146 |
| Oregon | $95 | $165 |
| Pennsylvania | $64 | $149 |
| Rhode Island | $92 | $164 |
| South Carolina | $76 | $142 |
| South Dakota | $37 | $112 |
| Tennessee | $59 | $118 |
| Texas | $95 | $194 |
| Utah | $82 | $139 |
| Vermont | $32 | $75 |
| Virginia | $71 | $116 |
| Washington | $70 | $130 |
| West Virginia | $63 | $128 |
| Wisconsin | $48 | $104 |
| Wyoming | $26 | $80 |
Volkswagen Passat Costs by Model Year and Insurance Company
Newer Volkswagen Passat models cost more to insure than older ones, and your age also plays a role. A 35- to 55-year-old driver pays around $204 monthly for full coverage on a 2013 Passat compared to $253 for a 2022 model. Young drivers in their teens and early twenties face much higher premiums across all model years.
Taking advantage of savings opportunities through insurer comparison can cut your Passat insurance costs. GEICO offers the lowest rates across all model years.
Older models (2016 to 2019):
Cost of Car Insurance for 2022 Volkswagen Passat
| Geico | $73 | $159 |
| National General | $91 | $185 |
| Travelers | $108 | $198 |
| State Farm | $110 | $229 |
| Progressive | $114 | $213 |
| Nationwide | $116 | $201 |
| Kemper | $127 | $258 |
| AAA | $132 | $274 |
| The Hartford | $136 | $233 |
| Allstate | $137 | $264 |
| Amica | $141 | $289 |
| Chubb | $163 | $324 |
| AIG | $170 | $429 |
| Farmers | $173 | $304 |
| UAIC | $188 | $237 |
Cost of Car Insurance for 2021 Volkswagen Passat
| Geico | $62 | $135 |
| National General | $77 | $158 |
| Travelers | $92 | $168 |
| State Farm | $94 | $195 |
| Progressive | $97 | $181 |
| Nationwide | $99 | $171 |
| Kemper | $108 | $219 |
| AAA | $113 | $233 |
| The Hartford | $116 | $198 |
| Allstate | $117 | $225 |
| Amica | $120 | $245 |
| Chubb | $139 | $275 |
| AIG | $145 | $365 |
| Farmers | $147 | $259 |
| UAIC | $160 | $201 |
Cost of Car Insurance for 2020 Volkswagen Passat
| Geico | $59 | $129 |
| National General | $73 | $150 |
| Travelers | $87 | $160 |
| State Farm | $89 | $186 |
| Progressive | $92 | $173 |
| Nationwide | $94 | $163 |
| Kemper | $103 | $209 |
| AAA | $107 | $222 |
| The Hartford | $111 | $188 |
| Allstate | $111 | $214 |
| Amica | $114 | $234 |
| Chubb | $132 | $262 |
| AIG | $138 | $347 |
| Farmers | $140 | $246 |
| UAIC | $152 | $192 |
Cost of Car Insurance for 2019 Volkswagen Passat
| Geico | $52 | $113 |
| National General | $64 | $131 |
| Travelers | $76 | $140 |
| State Farm | $78 | $162 |
| Progressive | $81 | $151 |
| Nationwide | $82 | $142 |
| Kemper | $90 | $183 |
| AAA | $94 | $194 |
| The Hartford | $97 | $165 |
| Allstate | $97 | $187 |
| Amica | $100 | $204 |
| Chubb | $116 | $229 |
| AIG | $120 | $303 |
| Farmers | $122 | $215 |
| UAIC | $133 | $167 |
Cost of Car Insurance for 2018 Volkswagen Passat
| Geico | $49 | $106 |
| National General | $60 | $123 |
| Travelers | $72 | $131 |
| State Farm | $73 | $152 |
| Progressive | $76 | $142 |
| Nationwide | $77 | $134 |
| Kemper | $84 | $171 |
| AAA | $88 | $182 |
| The Hartford | $91 | $155 |
| Allstate | $91 | $176 |
| Amica | $94 | $192 |
| Chubb | $108 | $215 |
| AIG | $113 | $285 |
| Farmers | $115 | $202 |
| UAIC | $125 | $157 |
Cost of Car Insurance for 2017 Volkswagen Passat
| Geico | $58 | $126 |
| National General | $72 | $148 |
| Travelers | $82 | $152 |
| State Farm | $85 | $177 |
| Progressive | $91 | $171 |
| Nationwide | $98 | $170 |
| Kemper | $99 | $201 |
| The Hartford | $102 | $173 |
| AAA | $104 | $216 |
| Amica | $112 | $229 |
| Allstate | $116 | $225 |
| Chubb | $128 | $255 |
| AIG | $132 | $333 |
| UAIC | $136 | $170 |
| Farmers | $140 | $248 |
Cost of Car Insurance for 2016 Volkswagen Passat
| Geico | $118 | $256 |
| National General | $121 | $247 |
| State Farm | $170 | $353 |
| Kemper | $178 | $356 |
| Travelers | $180 | $331 |
| The Hartford | $184 | $313 |
| Amica | $187 | $383 |
| AAA | $188 | $389 |
| Allstate | $202 | $389 |
| Chubb | $210 | $412 |
| Progressive | $212 | $398 |
| AIG | $230 | $565 |
| Farmers | $247 | $437 |
| Nationwide | $260 | $448 |
| UAIC | $273 | $339 |
Volkswagen Passat Insurance Cost by Trim
Volkswagen Passat insurance costs vary by trim, ranging from $45 monthly for minimum coverage on basic Glx 4motion Wagon 4d models to $274 for full coverage on high-performance 1.8t Sel Sedan 4d variants. Performance features and market value determine where your specific trim falls within this range.
| Glx 4motion Wagon 4d (New) | $45 | $86 |
| Gl Sedan 4d | $45 | $86 |
| Glx Sedan 4d (New) | $47 | $91 |
| Gl Wagon 4d | $47 | $91 |
| Gls Wagon 4d (New) | $48 | $92 |
| Glx Wagon 4d (New) | $48 | $92 |
| Gls 4motion Wagon 4d (New) | $48 | $93 |
| Glx 4motion Sedan 4d (New) | $49 | $94 |
| Gls 4motion Sedan 4d (New) | $49 | $94 |
| Gls Sedan 4d (New) | $51 | $98 |
| Gls Wagon 4d | $53 | $102 |
| Glx Sedan 4d | $55 | $106 |
| Glx Wagon 4d | $55 | $106 |
| Glx 4motion Wagon 4d | $55 | $107 |
| Gls 4motion Wagon 4d | $56 | $107 |
| Gls 4motion Sedan 4d | $56 | $108 |
| Glx 4motion Sedan 4d | $56 | $108 |
| Turbo Sedan 4d | $56 | $109 |
| Gls Sedan 4d | $57 | $110 |
| 2.0t S Sedan 4d | $61 | $117 |
| Turbo Wagon 4d | $62 | $119 |
| Lux Sedan 4d | $64 | $123 |
| Komfort Sedan 4d | $65 | $125 |
| 3.6 4motion Sedan 4d | $66 | $126 |
| 3.6 Wagon 4d | $66 | $126 |
| W8 4motion Sedan 4d | $66 | $127 |
| W8 4motion Wagon 4d | $66 | $127 |
| Lux Wagon 4d | $68 | $130 |
| Gls Tdi Wagon 4d | $68 | $131 |
| 2.0t R-Line Sedan 4d | $69 | $135 |
| 3.6 4motion Wagon 4d | $71 | $136 |
| 2.0t Se Sedan 4d | $72 | $139 |
| Komfort Wagon 4d | $72 | $138 |
| 2.0t Sedan 4d | $72 | $139 |
| Vr6 Sedan 4d | $73 | $140 |
| 2.0t Wolfsburg Edition Sedan 4d | $73 | $141 |
| Wagon 4d | $74 | $142 |
| Gls Tdi Sedan 4d | $75 | $144 |
| 3.6 Sedan 4d | $76 | $146 |
| 2.0t Sel Premium Sedan 4d | $76 | $147 |
| Sedan 4d | $77 | $148 |
| Vr6 4motion Sedan 4d | $78 | $150 |
| Vr6 4motion Wagon 4d | $79 | $151 |
| 2.0t Wagon 4d | $80 | $153 |
| V6 Gt Sedan 4d | $80 | $155 |
| Gl Tdi Sedan 4d | $83 | $159 |
| Gl Tdi Wagon 4d | $83 | $160 |
| S Sedan 4d | $85 | $164 |
| 2.0t Se R-Line Sedan 4d | $85 | $165 |
| 2.5l S Sedan 4d | $85 | $164 |
| 2.0t Value Edition Sedan 4d | $86 | $165 |
| 2.0t Value Edition Wagon 4d | $86 | $165 |
| 1.8t S Sedan 4d | $88 | $169 |
| Wolfsburg Edition Sedan 4d | $90 | $174 |
| 2.5l Se Sedan 4d | $91 | $175 |
| 2.5l Sel Sedan 4d | $94 | $181 |
| 1.8t Wolfsburg Edition Sedan 4d | $95 | $183 |
| Tdi Se Sedan 4d | $96 | $185 |
| V6 Se Sedan 4d | $98 | $188 |
| Se Sedan 4d | $99 | $191 |
| 1.8t R-Line Sedan 4d | $99 | $191 |
| 2.5l Sel Premium Sedan 4d | $101 | $194 |
| Tdi Sel Premium Sedan 4d | $102 | $196 |
| 2.5l Wolfsburg Edition Sedan 4d | $102 | $196 |
| R-Line Sedan 4d | $102 | $199 |
| Sel Sedan 4d | $104 | $202 |
| 1.8t Se Sedan 4d | $107 | $206 |
| 1.8t Limited Edition Sedan 4d | $111 | $213 |
| 1.8t Sport Sedan 4d | $112 | $215 |
| V6 Sel Premium Sedan 4d | $115 | $222 |
| 1.8t Sel Premium Sedan 4d | $115 | $222 |
| Limited Edition Sedan 4d | $124 | $241 |
| 1.8t Sel Sedan 4d | $143 | $274 |
How to Lower the Cost of Volkswagen Passat Insurance
We've compiled the most effective ways to secure affordable Volkswagen Passat insurance:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Volkswagen Passat. If you own your vehicle, get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for midsize sedans. This benchmark assists with shopping for the cheapest car insurance companies offering competitive rates. Understanding typical pricing helps you spot genuine deals versus inflated quotes when comparing options.
- 3Look for more than just low rates
Selecting reliable car insurance means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget insurers might offer limited coverage or slower service when you need claims support most.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Volkswagen Passat owners often get safety features discounts, good driver discounts, multi-vehicle discounts and bundling savings. Additional discounts may include anti-theft device credits, defensive driving course completion and loyalty rewards for long-term customers with clean driving records.
- 5Consider alternative car insurance types
Volkswagen Passat owners might benefit from usage-based insurance programs such as Progressive Snapshot or Allstate Drivewise that track safe driving habits and deliver premium reductions. These telematics options monitor factors like hard braking, rapid acceleration and nighttime driving to reward careful drivers with meaningful savings.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually to ensure competitive pricing. Your insurer doesn't notify you when competitors lower their prices, so regular comparisons could save up to 24% on your Volkswagen Passat insurance. Rate changes happen frequently, making annual shopping essential for maintaining the best deal.
Volkswagen Passat Insurance Cost: Bottom Line
Volkswagen Passat insurance costs less than average, making it quite affordable to insure. You'll secure even better rates by shopping multiple companies, claiming available discounts and adjusting your coverage options.
Volkswagen Passat Insurance Rates: FAQ
What is the average cost of car insurance for a Volkswagen Passat?
Insurance for a Volkswagen Passat costs $915 annually for state minimum coverage and $1,762 yearly for full coverage. These rates represent the average premiums drivers can expect when insuring this midsize sedan.
What company has the cheapest car insurance for a Volkswagen Passat?
GEICO provides the most affordable auto insurance for a Volkswagen Passat with minimum coverage at $626 annually. Drivers seeking full coverage also find the best rates with GEICO at $1,348 per year.
Are Volkswagen Passats expensive to insure?
No, Volkswagen Passat insurance is not expensive compared to most vehicles. Among wagons specifically, this model places 5th out of 40 for affordability, though it ranks 22nd out of 827 total vehicles we track.
What factors affect insurance costs for Volkswagen Passats?
Higher repair costs from specialized parts increase rates, while moderate theft rates compared to other sedans help keep costs manageable. Strong safety ratings work in your favor by reducing premiums. Your driving record, credit score, and chosen coverage levels impact your final rate.
How can I lower Volkswagen Passat insurance costs?
Compare quotes from several insurers since Volkswagen Passat pricing differs between companies, and explore usage-based programs that record safe driving. Claim available discounts, bundle policies and keep your driving record clean to secure better rates.
How We Determined Volkswagen Passat Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Volkswagen Passat insurance costs.
Who We Based These Rates On
These Volkswagen Passat rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.