When looking for car insurance for your VW Passat, shopping around will help you get the cheapest rates. VW Passat insurance costs can vary significantly depending on the auto insurer and model year of your car. Comparing quotes is the best way to find the most affordable options since insurers will have different rates depending on your VW Passat model year and driver profile, among other factors.
Compared to the average cost of car insurance across all models, insuring a VW Passat is roughly $235 less expensive at $1,192 per year.
VW Passat insurance rates can vary by as much as $435 per year depending on the auto insurer you choose.
Insurance costs for a VW Passat vary depending on the age of the car, with newer models costing more by as much as $370 per year depending on the model year.
It costs an average of $1,192 per year to insure a VW Passat but this rate can vary depending on the insurance company.
GEICO offers the cheapest widely available VW Passat insurance rates at $1,027 per year on average. If you have a military background, you may qualify for a USAA policy, which costs around $1,013 yearly. Allstate is the most expensive insurer with an average cost of $1,448 per year, which is $435 more expensive than USAA.
MoneyGeek collected VW Passat insurance rates across all model years. The rates in this analysis are for a 40-year-old driver who has 100/300/100 liability insurance with comprehensive and collision insurance.
Scroll for more
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
The cost of insurance for different car models is based on a number of factors such as the designation of the car, value of the vehicle, horsepower and theft rate. These factors determine the insurance rates of any particular model, with high-value and high-risk models typically costing more to insure.
On average, insuring a VW Passat is inexpensive compared to the average car. This is because the cost of repairs for low-value cars tends to be cheap. In addition, a VW Passat is a low horsepower vehicle, which makes the risk of it getting involved in major accidents low.
Affordability shouldn’t be the only factor to consider when choosing an insurance company for your VW Passat. To help you find the best insurers, MoneyGeek ranked providers based on customer complaints, affordability, customer satisfaction and financial stability.
Collision and comprehensive insurance become cheaper as the value of a car depreciates. This means that drivers with older VW Passat models will pay less to insure their cars compared to those with newer models.
A 2005 VW Passat costs an average of $1,012 per year to insure, while a 2020 VW Passat costs up to $370 more to insure at around $1,382 yearly. Different insurers may offer cheaper options depending on the VW Passat year.
The average VW Passat insurance rates by year are:
USAA offers the cheapest rates for the 2020 VW Passat at an average of $1,108 yearly, but only military families can access this rate.
To see how average VW Passat insurance rates compare by year, you can select your VW Passat year in the table below.
Scroll for more
Insuring a VW Passat costs roughly $1,192 per year, which is relatively inexpensive compared to the average cost of insuring most cars. Average VW Passat insurance costs are $235 lower than the average car insurance cost across all models.
Young drivers typically pay more for car insurance because inexperienced drivers pose a higher risk to insurers.
An 18-year-old will pay an average of $3,889 per year to insure a VW Passat, which is $2,697 more than what a 40-year-old driver will pay to insure the same car.
Young drivers and their parents can often save money by being on the same policy since a teen driver buying a policy for himself is very costly.
The table below indicates the cost of VW Passat car insurance for young drivers aged 16 to 25.
Scroll for more
The car insurance rates used in this analysis are national averages. However, location can have a big impact on car insurance rates, so the rates for your state may differ. To learn more about car insurance rates in your state, you can refer to our state page analysis.
VW Passat insurance rates depend on a variety of factors including the model year of the car, driver profile and the insurer. Here are the most frequently asked questions about VW Passat car insurance.
About Mark Fitzpatrick