Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Volkswagen Passat? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Volkswagen Passat car insurance facts

  • Average full coverage auto insurance premium: $121/month

  • Most affordable insurance companies: GEICO ($95/month) & Progressive ($103/month)

  • Passat car insurance cost vs. average rate: $117 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Volkswagen Passat by model year and car insurance company.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Volkswagen Passat insurance costs by state:

Risk factors affecting Volkswagen Passat car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on Volkswagen Passat car insurance?

Many driver insurance discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Volkswagen models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Volkswagen Automobile Brand

Volkswagen Group is the world’s largest automobile manufacturer overtaking Toyota, selling nearly 12 million vehicles worldwide and in the United States market. The target market of Volkswagen is urban and suburban consumers from 24 to 50 years old. All Volkswagen automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Tiguan, Beetle, Jetta, and Passat are some of their most popular vehicles.

Higher than average Passat repair costs equal higher coverage rates

Many consumers are attracted to the Volkswagen cars for the performance, safety ratings, and driver-assist technologies, such as the forward-collision warning system. Automotive parts are pretty common, but not a cheap as popular vehicles, like Toyota or Honda. Repairing a Volkswagen is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Volkswagen’s are going to have higher than average car insurance rates to similar vehicles in its class.

Fast depreciation for Volkswagen Passat affecting auto policies

Volkswagens are one of the fastest depreciating automobiles in the U.S. market, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Volkswagen models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Volkswagen’s are known for their safety ratings, safety features, 5-star crash test ratings, and driver-assist technologies (Attentiveness Monitoring), lowering coverage rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Volkswagen models. The Tiguan, Golf GTI, and Jetta are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Volkswagen top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Volkswagen automobile owners when buying a car insurance policy.

2021 Volkswagen Passat

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2136
Allied$2205
Allstate$1690
American Family$1589
Amica$2219
Country Financial$1825
Erie$1356
GEICO$1140
Kentucky Farm Bureau$1937
Liberty Mutual$1428
Mercury$1647
Nationwide$1502
Progressive$1238
State Farm$1287
Tennessee Farmers$1613
Texas Farm Bureau$1536
The Hanover$2018
Travelers$1729

Compare all 2021 Volkswagen Passat rates

Average Cost to Insure Per Year

$1456

List Price

$23995

Trims Available

1.8T S - 1.8T R-Line - 1.8T SE - V6 SE - 1.8T SEL Premium - V6 SEL Premium - - with Base Engine - Engine: 4-Cyl Turbo 2.0 Lite, Transmission, Tiptronic 6 Speed Automatic Mode Select with Manual Mode - with safety features - Electronic Stability Control - Anti-Slip Regulation Engine - Brake Assist - Antilock Braking System Electronic - Brake Pressure Distribution - Hydraulic Brake Assist - Safety Cage - Intelligent Crash Response System - Automatic Post Collision Breaking - Tire Pressure Monitoring

2020 Volkswagen Passat

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1659
Allstate$1389
American Family$1243
Country Financial$1557
Erie$1087
GEICO$953
Kentucky Farm Bureau$1635
Liberty Mutual$1132
Mercury$1348
Nationwide$1164
Progressive$969
State Farm$1003
Tennessee Farmers$1302
Texas Farm Bureau$1138
The Hanover$1643
Travelers$1482

Compare all 2020 Volkswagen Passat rates

Average Cost to Insure Per Year

$1435

List Price

$22995

Trims Available

1.8T S - 1.8T R-Line - 1.8T SE - V6 SE - 1.8T SEL Premium - V6 SEL Premium - - with Base Engine - Engine: 4-Cyl Turbo 2.0 Lite, Transmission, Tiptronic 6 Speed Automatic Mode Select with Manual Mode - with safety features - Electronic Stability Control - Anti-Slip Regulation Engine - Brake Assist - Antilock Braking System Electronic - Brake Pressure Distribution - Hydraulic Brake Assist - Safety Cage - Intelligent Crash Response System - Automatic Post Collision Breaking - Tire Pressure Monitoring

2019 Volkswagen Passat

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1633
Allstate$1350
American Family$1204
Country Financial$1541
Erie$1054
GEICO$930
Kentucky Farm Bureau$1591
Liberty Mutual$1061
Mercury$1309
Nationwide$1105
Progressive$953
State Farm$1003
Tennessee Farmers$1256
Texas Farm Bureau$1114
The Hanover$1615
Travelers$1426

Compare all 2019 Volkswagen Passat rates

Average Cost to Insure Per Year

$1480

List Price

$25295

Trims Available

1.8T S - 1.8T R-Line - 1.8T SE - V6 SE - 1.8T SEL Premium - V6 SEL Premium - - with Base Engine - Engine: 4-Cyl Turbo 2.0 Lite, Transmission, Tiptronic 6 Speed Automatic Mode Select with Manual Mode - with safety features - Electronic Stability Control - Anti-Slip Regulation Engine - Brake Assist - Antilock Braking System Electronic - Brake Pressure Distribution - Hydraulic Brake Assist - Safety Cage - Intelligent Crash Response System - Automatic Post Collision Breaking - Tire Pressure Monitoring

2018 Volkswagen Passat

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1620
Allstate$1329
American Family$1184
Country Financial$1536
Erie$956
GEICO$880
Kentucky Farm Bureau$1580
Liberty Mutual$1024
Mercury$1287
Nationwide$1066
Progressive$899
State Farm$936
Tennessee Farmers$1243
Texas Farm Bureau$1145
The Hanover$1600
Travelers$1420

Compare all 2018 Volkswagen Passat rates

Average Cost to Insure Per Year

$1370

List Price

$23845

Trims Available

1.8T S - 1.8T R-Line - 1.8T SE - V6 SE - 1.8T SEL Premium - V6 SEL Premium - - with Base Engine - Engine: 4-Cyl Turbo 2.0 Lite, Transmission, Tiptronic 6 Speed Automatic Mode Select with Manual Mode - with safety features - Electronic Stability Control - Anti-Slip Regulation Engine - Brake Assist - Antilock Braking System Electronic - Brake Pressure Distribution - Hydraulic Brake Assist - Safety Cage - Intelligent Crash Response System - Automatic Post Collision Breaking - Tire Pressure Monitoring

2017 Volkswagen Passat

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1242
Acuity$ 1242
Allied$ 1177
Allied$ 1177
Erie$ 944
Erie$ 944
GEICO$ 1121
GEICO$ 1121
Nationwide$ 1256
Nationwide$ 1256
Plymouth Rock Insurance$ 1125
Plymouth Rock Insurance$ 1125
Progressive$ 1267
Progressive$ 1267
State Farm$ 1220
State Farm$ 1220
Tennessee Farmers$ 1175
Tennessee Farmers$ 1175
Texas Farm Bureau$ 869
Texas Farm Bureau$ 869
USAA$ 1024
USAA$ 1024
Vermont Mutual$ 1150
Vermont Mutual$ 1150

Compare all 2017 Volkswagen Passat rates

Average Cost to Insure Per Year

$ 1225

List Price

$ 22440

Trims Available

1.8T S - 1.8T R-Line - 1.8T SE - V6 SE - 1.8T SEL Premium - V6 SEL Premium

2016 Volkswagen Passat

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1179
Acuity$ 1179
Allied$ 1192
Allied$ 1192
American Family$ 1153
American Family$ 1153
Erie$ 686
Erie$ 686
GEICO$ 657
GEICO$ 657
Nationwide$ 989
Nationwide$ 989
Plymouth Rock Insurance$ 1101
Plymouth Rock Insurance$ 1101
Progressive$ 778
Progressive$ 778
State Farm$ 905
State Farm$ 905
Texas Farm Bureau$ 950
Texas Farm Bureau$ 950
USAA$ 792
USAA$ 792
Vermont Mutual$ 1081
Vermont Mutual$ 1081

Compare all 2016 Volkswagen Passat rates

Average Cost to Insure Per Year

$ 1017

List Price

$ 22440

Trims Available

TDI R-Line - TDI S - TDI SE - TDI SEL - TDI SEL Premium - 1.8T S - 1.8T S PZEV - 1.8T R-Line - 1.8T R-Line PZEV - 1.8T SE - 1.8T SE PZEV - 1.8T SEL - 1.8T SEL PZEV - 1.8T SEL Premium - 1.8T SEL Premium PZEV - V6 SEL Premium

2015 Volkswagen Passat

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1107
Acuity$ 1107
American Family$ 1087
American Family$ 1087
Erie$ 663
Erie$ 663
GEICO$ 604
GEICO$ 604
Nationwide$ 974
Nationwide$ 974
Plymouth Rock Insurance$ 1065
Plymouth Rock Insurance$ 1065
Progressive$ 776
Progressive$ 776
State Farm$ 798
State Farm$ 798
Tennessee Farmers$ 1015
Tennessee Farmers$ 1015
Texas Farm Bureau$ 843
Texas Farm Bureau$ 843
USAA$ 733
USAA$ 733
Vermont Mutual$ 989
Vermont Mutual$ 989

Compare all 2015 Volkswagen Passat rates

Average Cost to Insure Per Year

$ 955

List Price

$ 21340

Trims Available

S - S PZEV - Limited Edition - Limited Edition PZEV - Wolfsburg Edition - Wolfsburg Edition PZEV - SE - SE PZEV - Sport - Sport PZEV - TDI SE - SEL Premium - SEL Premium PZEV - TDI SEL Premium - V6 SEL Premium

2014 Volkswagen Passat

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1047
Acuity$ 1047
American Family$ 950
American Family$ 950
Erie$ 610
Erie$ 610
GEICO$ 576
GEICO$ 576
Nationwide$ 951
Nationwide$ 951
Plymouth Rock Insurance$ 1033
Plymouth Rock Insurance$ 1033
Progressive$ 703
Progressive$ 703
State Farm$ 723
State Farm$ 723
Tennessee Farmers$ 955
Tennessee Farmers$ 955
Texas Farm Bureau$ 823
Texas Farm Bureau$ 823
USAA$ 665
USAA$ 665
Vermont Mutual$ 944
Vermont Mutual$ 944

Compare all 2014 Volkswagen Passat rates

Average Cost to Insure Per Year

$ 883

List Price

$ 20845

Trims Available

S - S PZEV - Wolfsburg Edition - Wolfsburg Edition PZEV - SE - SE PZEV - TDI SE - Sport - Sport PZEV - V6 SE - SEL Premium - SEL Premium PZEV - TDI SEL Premium - V6 SEL Premium

2013 Volkswagen Passat

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 997
Acuity$ 997
American Family$ 929
American Family$ 929
Erie$ 587
Erie$ 587
GEICO$ 554
GEICO$ 554
Nationwide$ 947
Nationwide$ 947
Plymouth Rock Insurance$ 1006
Plymouth Rock Insurance$ 1006
Progressive$ 695
Progressive$ 695
State Farm$ 719
State Farm$ 719
Tennessee Farmers$ 954
Tennessee Farmers$ 954
Texas Farm Bureau$ 803
Texas Farm Bureau$ 803
USAA$ 651
USAA$ 651
Vermont Mutual$ 905
Vermont Mutual$ 905

Compare all 2013 Volkswagen Passat rates

Average Cost to Insure Per Year

$ 866

List Price

$ 20845

Trims Available

S - S PZEV - Wolfsburg Edition - Wolfsburg Edition PZEV - SE - SE PZEV - TDI SE - SEL - SEL Premium PZEV - V6 SE - SEL Premium - SEL PZEV - TDI SEL Premium - V6 SEL Premium

2012 Volkswagen Passat

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 957
Acuity$ 957
American Family$ 911
American Family$ 911
Erie$ 575
Erie$ 575
GEICO$ 544
GEICO$ 544
Nationwide$ 962
Nationwide$ 962
Plymouth Rock Insurance$ 984
Plymouth Rock Insurance$ 984
Progressive$ 693
Progressive$ 693
State Farm$ 711
State Farm$ 711
Tennessee Farmers$ 941
Tennessee Farmers$ 941
Texas Farm Bureau$ 765
Texas Farm Bureau$ 765
USAA$ 653
USAA$ 653
Vermont Mutual$ 864
Vermont Mutual$ 864

Compare all 2012 Volkswagen Passat rates

Average Cost to Insure Per Year

$ 852

List Price

$ 19995

Trims Available

S - S PZEV - SE - SE PZEV - TDI SE - SEL - SEL PZEV - V6 SE - TDI SEL Premium - V6 SEL Premium