Volkswagen Passat Insurance Cost
Full coverage for a Volkswagen Passat costs about $1,445 a year ($120/month) by our estimate — ▼ −9% versus the average vehicle.
Volkswagen Passat insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2022 model year. Our vehicle data covers the 2005–2022 model years of the Volkswagen Passat, which is no longer in production.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $625 | $52 | $515–$740 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $910 | $76 | $745–$1,070 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,445 | $120 | $1,185–$1,700 |
What drives the cost of insuring a Volkswagen Passat
HLDI does not publish loss results for the Volkswagen Passat, so our estimate uses the typical losses of its segment (Midsize car): 1.02× average for liability, 1.00× for collision and 0.95× for comprehensive.
- Repair and parts costs: Midsize car — mainstream parts availability keeps repairs moderate.
- Safety: 4-star NHTSA overall rating (frontal 3★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
- Recalls & complaints: 4 NHTSA recall campaigns and 49 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Volkswagen Passat trims and configurations (2022)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| Passat | FWD | 2.0L 4-cyl Turbo | 28 |
Volkswagen Passat insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2022 | 2.0L 4-cyl Turbo | FWD | 28 | $1,445 |
| 2021 | 2.0L 4-cyl Turbo | FWD | 28 | $1,410 |
| 2020 | 2.0L 4-cyl Turbo | FWD | 27 | $1,380 |
| 2019 | 2.0L 4-cyl Turbo | FWD | 29 | $1,350 |
| 2018 | 2.0L 4-cyl Turbo, 3.6L 6-cyl | FWD | 22–29 | $1,320 |
| 2017 | 1.8L 4-cyl Turbo, 3.6L 6-cyl | FWD | 23–27 | $1,285 |
| 2016 | 1.8L 4-cyl Turbo, 3.6L 6-cyl | FWD | 23–29 | $1,255 |
| 2015 | 1.8L 4-cyl Turbo, 2.0L 4-cyl Turbo Diesel, 3.6L 6-cyl | FWD | 23–34 | $1,255 |
| 2014 | 1.8L 4-cyl Turbo, 2.0L 4-cyl Turbo Diesel, 2.5L 5-cyl | FWD | 23–34 | $1,255 |
| 2013 | 2.0L 4-cyl Turbo Diesel, 2.5L 5-cyl, 3.6L 6-cyl | FWD | 23–34 | $1,255 |
| 2012 | 2.0L 4-cyl Turbo Diesel, 2.5L 5-cyl, 3.6L 6-cyl | FWD | 23–34 | $1,255 |
| 2010 | 2.0L 4-cyl Turbo | FWD | 25 | $1,255 |
| 2009 | 2.0L 4-cyl Turbo | FWD | 22–23 | $1,255 |
| 2008 | 2.0L 4-cyl Turbo, 3.6L 6-cyl | 4WD/AWD, FWD | 19–24 | $1,255 |
| 2007 | 2.0L 4-cyl Turbo, 3.6L 6-cyl | 4WD/AWD, FWD | 19–24 | $1,255 |
| 2006 | 2.0L 4-cyl Turbo, 3.6L 6-cyl | 4WD/AWD, FWD | 19–24 | $1,255 |
| 2005 | 1.8L 4-cyl Turbo, 2.0L 4-cyl Turbo Diesel, 2.8L 6-cyl | 4WD/AWD, FWD | 19–27 | $1,255 |
Volkswagen Passat insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Passat page for that state.
Volkswagen Passat insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,720 | $2,495 | $3,965 | $330 |
| Young adult (22) | $1,000 | $1,455 | $2,310 | $193 |
| Adult in their 30s | $625 | $910 | $1,445 | $120 |
| Adult in their 50s | $575 | $835 | $1,325 | $110 |
| Senior (72) | $700 | $1,015 | $1,615 | $135 |
| 30s, one at-fault accident | $910 | $1,315 | $2,090 | $174 |
| 30s, DUI on record | $1,160 | $1,680 | $2,670 | $223 |
Volkswagen Passat vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Volkswagen Passat | $1,445 | — | — | — |
| Tesla Model 3 | $1,670 | 133 | 87 | Compare |
| Ford Fusion | $1,355 | — | — | Compare |
| Chrysler 200 | $1,260 | — | — | Compare |
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Frequently asked questions
How much is insurance for a Volkswagen Passat?
We estimate about $1,445 a year ($120 a month) for full coverage and $625 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 9% less than the average vehicle.
Which state is cheapest to insure a Volkswagen Passat?
North Dakota has the lowest estimate (about $885 a year for full coverage) and Florida the highest (about $2,130).
What is the Volkswagen Passat's NHTSA safety rating?
The 2022 Volkswagen Passat earned 4 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.
Is the Volkswagen Passat cheaper to insure than the Tesla Model 3?
By our estimate the Volkswagen Passat costs about $1,445 a year versus $1,670 for the Tesla Model 3, making it the cheaper of the two to insure.
How much is Volkswagen Passat insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $3,965 a year at national-average rates by our estimate.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.