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

Car insurance for a VW Passat costs an average of $1,192 per year. However, this rate varies depending on the auto insurer and the model year of your car. MoneyGeek found that VW Passat insurance rates are inexpensive and typically cheaper than the average cost of car insurance across all models.

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Last Updated: 10/31/2022
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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.

Key Takeaways for VW Passat Insurance

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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.

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VW Passat insurance rates can vary by as much as $435 per year depending on the auto insurer you choose.

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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.

How Much It Costs to Insure a VW Passat and the Cheapest Company

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.

The Average Annual Cost of VW Passat Insurance by Company

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.

The Average Cost to Insure a VW Passat by Company

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Is a VW Passat Expensive to Insure?

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.

The Best Car Insurance Company for a VW Passat

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.

  • USAA is the best auto insurer for a VW Passat but is only available to drivers with a military background.
  • GEICO is the second-best insurance company for this car model.

1
USAA
Score:99

5/5

Affordability

4.5/5

Claims Ratings

5/5

User Satisfaction

5/5

Financial Stability

2
GEICO
Score:89

4.9/5

Affordability

3.5/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

3
Progressive
Score:85

4.6/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

4
State Farm
Score:81

4.1/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

5
Nationwide
Score:78

3.8/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

6
Allied
Score:NaN

3.1/5

Affordability

#N/A

Claims Ratings

#N/A

User Satisfaction

#N/A

Financial Stability

7
Allstate
Score:69

3/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

How Much It Costs to Insure a VW Passat by Model Year

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:

  • 2005 VW Passat: $1,012 per year
  • 2010 VW Passat: $1,125 per year
  • 2016 VW Passat: $1,247 per year
  • 2017 VW Passat: $1,288 per year
  • 2018 VW Passat: $1,328 per year
  • 2019 VW Passat: $1,358 per year
  • 2020 VW Passat: $1,382 per year

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.

The Average Cost to Insure a VW Passat by Model Year

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  • Company
    Average Annual Rates (2020 model)
    Average Annual Rates (2019 model)
    Average Annual Rates (2018 model)
    Average Annual Rates (2017 model)
    Average Annual Rates (2016 model)
    Average Annual Rates (2010 model)
    Average Annual Rates (2005 model)
  • 1.
    $1,108
    $1,099
    $1,088
    $1,073
    $1,058
    $945
    $942
  • 2.
    $1,214
    $1,192
    $1,164
    $1,128
    $1,090
    $940
    $863
  • 3.
    $1,232
    $1,218
    $1,200
    $1,176
    $1,152
    $1,076
    $915
  • 4.
    $1,430
    $1,398
    $1,359
    $1,306
    $1,252
    $1,183
    $995
  • 5.
    $1,309
    $1,319
    $1,332
    $1,349
    $1,367
    $1,254
    $1,141

How Expensive Is It to Insure a VW Passat Compared to Other Cars?

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.

How Much It Costs to Insure a VW Passat for 16- to 25-Year-Olds

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.

The Average Cost to Insure a VW Passat by Driver Age

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  • Age
    Average Annual Rates
  • 16
    $4,986
  • 17
    $4,417
  • 18
    $3,889
  • 19
    $2,785
  • 20
    $2,486
  • 21
    $1,968
  • 22
    $1,813
  • 23
    $1,659
  • 24
    $1,557
  • 25
    $1,413
  • 40
    $1,192

How Does Location Affect the Cost of VW Passat Insurance?

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.

FAQs About VW Passat Insurance

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.

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About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.