Compare the Cost of VW Passat Insurance by Model Year and Company

Age is a key factor influencing the price of auto insurance. For 16-year-old drivers, it costs an average of $5,725 per year to insure a 2009 VW Passat, compared to $1,246 for 40-year-olds. For a 2022 model, a 16-year-old will spend roughly $7,136 a year, while a 40-year-old pays an average of $1,583.

Cost should not be the only factor. MoneyGeek also compared the best insurance companies for a VW Passat based on pricing, service quality and claims experience.

The average yearly insurance rate for a VW Passat is $1,431. State Farm offers the cheapest auto insurance for full coverage, averaging $1,121, while Farmers offers the most expensive rate for the same policy at $1,661.

State Farm also provides minimum coverage VW Passat insurance for the most affordable price, at $484 a year. The most expensive insurance is again offered by Farmers and costs $725 a year. Comparing prices from many different companies will help you find the best deals on auto insurance.

The VW Passat competes against other mid-size sedans like the Honda Accord and Toyota Camry. The VW Passat has moderate insurance rates, which may be attributed to the vehicle’s low risk of theft, low horsepower and reasonable MSRP.

It's crucial to take affordability, client satisfaction and claims management into account when choosing the best auto insurance for a VW Passat. The following providers are the best insurers for this type of car, based on MoneyGeek's review:

• State Farm: MoneyGeek score 90 out of 100 ($1,121 per year)
• GEICO: MoneyGeek score 89 out of 100 ($1,176 per year)

State Farm offers the lowest prices and the second-best customer service rating.

The car’s model year affects the average cost of auto insurance. Full coverage insurance for a VW Passat costs around $1,246 per year for a 2009 model or roughly $1,583 for a 2022 model. The latest models are more expensive to insure because cars lose value as they age.

The average price of auto insurance for a VW Passat depends on its model year and your chosen insurer. State Farm offers the cheapest insurance for both a 2009 model ($975) and a 2022 model ($1,307).

Insurers consider the driver’s age in addition to the vehicle’s model year. Auto insurance is almost always much more costly for teens and young adults than it is for people in their 30s and older.

The typical cost of teen auto insurance for a VW Passat is $6,314 for a 16-year-old, compared to $1,384 for a 40-year-old. Car insurance costs get much more affordable as young drivers age, and rates tend to even out once they hit their 20s.

MoneyGeek advises comparing rates between several insurers to identify the most affordable VW Passat insurance policy. For 16-year-olds, State Farm has the lowest annual average rate of $1,631, while Farmers charges the most ($4,171). You can find cheap rates for teen auto insurance by shopping around.

Along with your age and the model year of your VW Passat, where you live affects how much your car insurance will cost. The states with the highest and lowest average insurance costs are Florida and Idaho, respectively. Ask for quotes from insurance providers with the most affordable rates in your state.

When looking for auto insurance, both price and service quality are important factors to take into account. MoneyGeek answers frequently asked questions related to buying auto insurance for your VW Passat.