Annual full coverage insurance costs for a VW Passat range from $1,013 to $6,059. Rates vary based on the car's production year, driver age, location, driving record, coverage level and insurer. MoneyGeek analyzes VW Passat insurance costs, offering insights into the best and most affordable options.
VW Passat Insurance Cost
Updated: April 11, 2025
Key Takeaways
State Farm provides the most affordable minimum coverage annual rate across all VW Passat model years, averaging $484.
For a VW Passat, the average annual cost is $602 for minimum coverage and $1,382 for full coverage.
MoneyGeek analyzed 4,183 VW Passat insurance quotes from Quadrant Information Services.
VW Passat Insurance Rates
What Is the Average VW Passat Car Insurance Cost?
For a VW Passat, full coverage insurance averages $115 monthly or $1,382 yearly, based on a 40-year-old male driver with a clean record. Minimum coverage costs around $50 per month or $602 annually.
| Minimum Coverage | $602 |
| Full Coverage | $1,382 |
VW Passat Insurance Costs by Company
VW Passat insurance costs range from $1,047 to $1,918 yearly, depending on age, model year and coverage level. The table below compares VW Passat insurance rates with the averages for all vehicles from several providers.
| Allstate | $1,594 | $1,812 | -12% |
| Auto-Owners | $1,170 | $1,227 | -5% |
| Farmers | $1,754 | $1,956 | -10% |
| GEICO | $1,197 | $1,333 | -10% |
| Kemper | $1,918 | $2,213 | -13% |
| Nationwide | $1,482 | $1,588 | -7% |
| Progressive | $1,592 | $1,743 | -9% |
| State Farm | $1,160 | $1,269 | -9% |
| Travelers | $1,438 | $1,521 | -5% |
| USAA | $1,047 | $1,201 | -13% |
Read more: Best Car Insurance Companies
Cost of Insuring a VW Passat by Model Year
The year your VW Passat was made affects insurance rates, with older models typically costing less. For example, full coverage for a 2022 Passat costs $1,561 annually compared to $1,243 for a 2009 model. Below are the average full and minimum coverage rates for each production year.
| 2022 | $604 | $1,561 |
| 2021 | $602 | $1,537 |
| 2020 | $582 | $1,499 |
| 2019 | $609 | $1,468 |
| 2018 | $610 | $1,430 |
| 2017 | $596 | $1,424 |
| 2016 | $630 | $1,417 |
| 2015 | $638 | $1,411 |
| 2014 | $614 | $1,370 |
| 2013 | $639 | $1,329 |
| 2012 | $638 | $1,289 |
| 2011 | $603 | $1,274 |
| 2010 | $616 | $1,258 |
| 2009 | $604 | $1,243 |
VW Passat Insurance Costs by Driver Age
VW Passat insurance rates vary greatly by driver age. For example, 16-year-olds pay around $6,059 annually for full coverage, while 40-year-olds pay about $1,394. Below are the average minimum and full coverage rates for drivers of different ages.
| 16 | $2,808 | $6,059 |
| 17 | $2,280 | $4,933 |
| 18 | $1,989 | $4,342 |
| 19 | $1,414 | $3,092 |
| 20 | $1,270 | $2,811 |
| 21 | $1,006 | $2,267 |
| 22 | $917 | $2,084 |
| 23 | $851 | $1,946 |
| 24 | $806 | $1,851 |
| 25 | $718 | $1,657 |
| 26 | $698 | $1,598 |
| 27 | $681 | $1,563 |
| 28 | $670 | $1,539 |
| 29 | $660 | $1,518 |
| 30 | $637 | $1,465 |
| 35 | $620 | $1,420 |
| 40 | $613 | $1,394 |
| 45 | $608 | $1,376 |
| 50 | $593 | $1,334 |
| 55 | $578 | $1,298 |
| 60 | $578 | $1,293 |
| 65 | $616 | $1,342 |
| 70 | $668 | $1,437 |
| 75 | $743 | $1,575 |
| 80 | $842 | $1,754 |
| 85 | $911 | $1,883 |
| 90 | $961 | $1,972 |
VW Passat Insurance Rates Explained
Several factors affect your car insurance rates based on your driver profile. However, insurers also consider vehicle-related factors when setting rates. Below, we break down the key cost factors tied to your vehicle, helping you understand what might influence your premiums.
VW Passat Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296VW Passat
Average Full Coverage Rate
$1,382Premiums for VW Passat are:$86 more
This is 7% more expensive.
Value
The VW Passat's MSRP of $31,570 makes it a midrange vehicle. This price can impact insurance costs as insurers may charge more for vehicles with higher values.
Repair costs
The VW Passat’s annual repair cost is $639, below the national average. This can lead to lower insurance costs due to cheaper parts and labor.
Performance
The VW Passat has 174 horsepower and a 0-to-60 time of 8.3 seconds, indicating it’s not a high-performance vehicle and resulting in lower insurance costs.
Vehicle age
Newer models like the 2022 VW Passat are typically more expensive to insure than older ones. However, collector and classic vehicles can be exceptions, often costing more.
Safety features
The VW Passat has a NHTSA safety rating of 4 out of 5, along with features like stability control, airbags and antilock brakes, which can lead to insurance discounts.
Vehicle size
The VW Passat weighs 3,314 lbs, which is moderate for a sedan. This size may lead to average insurance costs compared to smaller vehicles.
Trim level
Higher trim levels of the VW Passat, with premium upgrades, typically lead to higher insurance costs than the base model due to a higher MSRP.
Theft rates
The VW Passat's theft rate of 96 may increase insurance costs, as vehicles more at risk of being stolen typically have higher premiums.
Cheapest VW Passat Insurance
State Farm offers the most affordable annual minimum coverage rate for a VW Passat at $484, based on a 40-year-old male driver with a clean record. Below is a breakdown of the cheapest car insurance by coverage level, age group, driving record and model year.
Cheapest VW Passat Insurance by Coverage Level
Your coverage level significantly influences your VW Passat insurance rate. State Farm offers the most affordable average minimum and full coverage rates. Below is a breakdown of the cheapest providers for both types.
Cheapest VW Passat Minimum Coverage
State Farm offers the cheapest minimum coverage for VW Passat owners at $40 per month, followed by GEICO at $43, Travelers at $53 and Progressive at $55.
| USAA | $34 | $405 |
| State Farm | $40 | $484 |
| GEICO | $43 | $513 |
| Travelers | $53 | $636 |
| Progressive | $55 | $662 |
| Allstate | $56 | $675 |
| Farmers | $58 | $690 |
| Nationwide | $58 | $695 |
*State Farm offers non-military-affiliated VW Passat owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best VW Passat Insurance Rates by Model Year
The list above doesn't account for your vehicle's model year, which can influence insurance rates. Older VW Passat models may qualify for lower rates. To find the most affordable minimum coverage, filter the table below by production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $664 | $55 |
| Farmers | $708 | $59 |
| GEICO | $533 | $44 |
| Nationwide | $685 | $57 |
| Progressive | $657 | $55 |
| State Farm | $465 | $39 |
| Travelers | $593 | $49 |
| USAA | $406 | $34 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage VW Passat Insurance
State Farm offers the cheapest full coverage for a VW Passat at $94 monthly or $1,125 annually. See the full list of providers and rates below.
| USAA | $84 | $1,013 |
| State Farm | $94 | $1,125 |
| GEICO | $97 | $1,167 |
| Nationwide | $116 | $1,398 |
| Travelers | $119 | $1,423 |
| Progressive | $126 | $1,513 |
| Allstate | $126 | $1,518 |
| Farmers | $136 | $1,633 |
*On average, State Farm is the cheapest insurer for non-military-affiliated VW Passat owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest VW Passat Insurance by Age
Young drivers aged 16 to 25 and seniors over 55 often face higher VW Passat insurance costs. Below is a breakdown of the cheapest options by age group.
Cheapest VW Passat Insurance for Young Drivers
State Farm offers the cheapest VW Passat insurance for drivers aged 16 to 25 at $88 monthly or $1,056 annually for minimum coverage. Below is a complete list of the most affordable auto insurance rates for VW Passat drivers.
| USAA | $69 | $834 |
| State Farm | $88 | $1,056 |
| GEICO | $103 | $1,237 |
| Travelers | $111 | $1,334 |
| Allstate | $131 | $1,573 |
| Nationwide | $153 | $1,837 |
| Progressive | $154 | $1,849 |
| Farmers | $157 | $1,878 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest VW Passat Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $44 per month or $533 annually. Check the full list of affordable VW Passat insurers below.
| State Farm | $44 | $533 |
| USAA | $45 | $537 |
| GEICO | $51 | $618 |
| Travelers | $64 | $766 |
| Nationwide | $68 | $816 |
| Allstate | $69 | $828 |
| Progressive | $70 | $844 |
| Farmers | $77 | $928 |
Cheapest VW Passat Insurance After an Accident
State Farm, GEICO and Travelers offer VW Passat drivers the cheapest car insurance after an accident. See the complete list of providers below.
| State Farm | $51 | $606 |
| USAA | $51 | $615 |
| GEICO | $68 | $811 |
| Travelers | $76 | $918 |
| Allstate | $77 | $921 |
| Nationwide | $90 | $1,076 |
| Progressive | $90 | $1,079 |
| Farmers | $116 | $1,393 |
VW Passat Insurance Cost: Bottom Line
Always compare rates from different providers to find the cheapest car insurance. This article explores VW Passat insurance, covering costs across demographics and identifying the most affordable providers.
VW Passat Insurance Rates: FAQ
Below are answers to common questions about VW Passat insurance costs, including options for minimum coverage and affordable plans.
What company has the cheapest car insurance for a VW Passat?
State Farm is the cheapest insurance provider for a VW Passat, with an annual minimum coverage rate of $484.
What is the average cost of car insurance for a VW Passat?
The average annual insurance cost for a VW Passat is $602 for minimum coverage and $1,382 for full coverage.
VW Passat Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 VW Passat insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a VW Passat:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine VW Passat insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your VW Passat.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis includes average full coverage policy rates with comprehensive and collision coverage (with a $1,000 deductible) and increased liability limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.