Volkswagen Passat Car Insurance Cost 2025
To insure a Volkswagen Passat, the average cost is approximately $1,190 per year through Safeco. However, actual costs can vary depending on factors like age, the year of the car model, and other individual considerations. Check our quote tables below to get a personalized estimate of your insurance costs.
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Insuring a 2025 Volkswagen Passat costs drivers an average of about $1,190 per year for full coverage, which breaks down to roughly $99 per month.
This makes it one of the more affordable midsize sedans to insure, thanks to its strong safety features, reasonable repair costs, and solid reliability ratings.
However, your exact premium may vary depending on factors like your location, age, driving history, and coverage preferences. Whether you’re buying your first Passat or upgrading to a newer model, comparing quotes from multiple insurers is the best way to find the most competitive rate tailored to your unique profile.
How Much Does Volkswagen Passat Car Insurance Cost?
Typically, Safeco provides the most competitive pricing, averaging at $1,190 annually for comprehensive insurance coverage on a 2024 Volkswagen Passat.
Car insurance costs can vary widely depending on a range of personal and situational factors. Where you live, your driving history, the age of your vehicle, and the type of coverage you choose all play a role in determining your premium. Drivers with clean records typically pay less, while those with past accidents or violations often face higher rates. Urban residents may see higher premiums due to dense traffic and increased accident risk, unlike rural drivers. Full coverage, including comprehensive and collision protection, tends to be more expensive than basic liability. As shown in the table below, insuring a Volkswagen Jetta is generally more affordable than insuring the average car across all brands, and cheaper than many other Volkswagen models. Insuranceopedia helps you compare real-time quotes from top insurers so you can secure the most competitive rate for your needs.
| Vehicle | Average Monthly Premium |
| Volkswagen Passat | $172 |
| All Volkswagens | $170 |
| All Cars | $175 |
Average Insurance Cost Of Volkswagen Passat Model Year
| Model Year | Average Premium |
| 2025 Volkswagen Passat | $1,264 |
| 2024 Volkswagen Passat | $950 |
| 2022 Volkswagen Passat | $986 |
| 2021 Volkswagen Passat | $1,136 |
| 2020 Volkswagen Passat | $765 |
| 2019 Volkswagen Passat | $878 |
| 2018 Volkswagen Passat | $754 |
| 2017 Volkswagen Passat | $725 |
| 2016 Volkswagen Passat | $736 |
| 2015 Volkswagen Passat | $583 |
| 2014 Volkswagen Passat | $698 |
| 2013 Volkswagen Passat | $567 |
| 2012 Volkswagen Passat | $582 |
| 2010 Volkswagen Passat | $701 |
2025 Volkswagen Passat Insurance Rates
The average annual insurance cost for a 2025 Volkswagen Passat is $1,264. However, USAA offers the cheapest rates, averaging $1,013 per year.
| Insurance Provider | Average Annual Cost |
| GEICO | $1,027 |
| USAA | $1,013 |
| Progressive | $1,094 |
| State Farm | $1,215 |
| Nationwide | $1,268 |
| Allied | $1,436 |
| Allstate | $1,448 |
| Erie | $1,428 |
| Vermont Mutual | $1,186 |
| Arbella | $1,529 |
2024 Volkswagen Passat Insurance Rates
The average annual insurance cost for a 2024 Volkswagen Passat is $950. However, Safeco offers the cheapest rates, averaging $438 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $438 |
| Victoria | $594 |
| Pekin Insurance | $785 |
| Mercury Insurance | $870 |
| Virginia Farm Bureau | $910 |
| Utica National Insurance Group | $1,055 |
| Dairyland | $1,103 |
| Concord Group | $1,155 |
| Mississippi Farm Bureau | $1,300 |
| Nodak Mutual | $1,290 |
2022 Volkswagen Passat Insurance Rates
The average annual insurance cost for a 2022 Volkswagen Passat is $986. However, Safeco offers the cheapest rates, averaging $463 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $856 |
| Indiana Farmers Mutual Ins | $1,347 |
| Texas Farm Bureau Group | $1,080 |
| Dairyland | $1,075 |
| Safeco | $463 |
| Buckeye Insurance Group | $964 |
| Pekin Insurance | $656 |
| Grange Mutual | $1,165 |
| SafeAuto | $1,178 |
| North Carolina Farm Bureau | $1,080 |
2021 Volkswagen Passat Insurance Rates
The average annual insurance cost for a 2021 Volkswagen Passat is $1,136. However, Safeco offers the cheapest rates, averaging $712 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $904 |
| Mississippi Farm Bureau | $1,378 |
| Texas Farm Bureau Group | $1,306 |
| Wolverine Mutual | $1,225 |
| Safeco | $712 |
| SECURA Insurance | $1,011 |
| SafeAuto | $887 |
| Buckeye Insurance Group | $1,309 |
| MO Farm Bureau Services | $1,345 |
| First Chicago Insurance | $1,282 |
2020 Volkswagen Passat Insurance Rates
The average annual insurance cost for a 2020 Volkswagen Passat is $765. However, Safeco offers the cheapest rates, averaging $74 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $630 |
| Rural Mutual Insurance | $1,090 |
| New York Central Mutual Fire | $980 |
| Buckeye Insurance Group | $857 |
| Safeco | $74 |
| Kemper Auto | $697 |
| Mercury Insurance | $285 |
| Dairyland FR Bond | $1,069 |
| PEMCO | $1,048 |
| NatGen Value | $923 |
2019 Volkswagen Passat Insurance Rates
The average annual insurance cost for a 2019 Volkswagen Passat is $878. However, Safeco offers the cheapest rates, averaging $40 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $739 |
| New Jersey Manufacturers | $1,193 |
| AssuranceAmerica Economy | $1,084 |
| Kemper Auto | Infinity | $1,014 |
| Safeco | $40 |
| AssuranceAmerica Mobile Max | $872 |
| NatGen Value | $513 |
| Capital Insurance Group | $1,147 |
| American National P | $1,150 |
| Tennessee Farmers | $1,027 |
2018 Volkswagen Passat Insurance Rates
The average annual insurance cost for a 2018 Volkswagen Passat is $754. However, Safeco offers the cheapest rates, averaging $239 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $506 |
| Utica National Ins Group | $1,080 |
| Indiana Farmers Mutual Ins | $953 |
| Buckeye Insurance Group | $797 |
| Safeco | $239 |
| American National P | $587 |
| Mercury Insurance | $398 |
| North Carolina Farm Bureau | $955 |
| Countryway Insurance | $1,059 |
| NatGen Value | $969 |
2017 Volkswagen Passat Insurance Rates
The average annual insurance cost for a 2017 Volkswagen Passat is $725. However, Safeco offers the cheapest rates, averaging $51 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $305 |
| Concord Group | $1,087 |
| Mercury Insurance | $942 |
| Countryway Insurance | $902 |
| Safeco | $51 |
| Dairyland Broadform | $694 |
| AssuranceAmerica Mobile Max | $277 |
| American National P | $1,042 |
| North Carolina Farm Bureau | $1,063 |
| MMG Insurance Company | $883 |
2016 Volkswagen Passat Insurance Rates
The average annual insurance cost for a 2016 Volkswagen Passat is $736. However, Safeco offers the cheapest rates, averaging $139 per year.
| Insurance Provider | Average Annual Cost |
| American National P&C | $667 |
| Countryway Insurance | $979 |
| IMT Insurance Company | $828 |
| Kentucky Farm Bureau | $811 |
| Safeco | $139 |
| Dairyland Broadform | $720 |
| Mercury Insurance | $615 |
| American National P | $829 |
| NatGen Value | $971 |
| Buckeye Insurance Group | $797 |
Find Affordable Volkswagen Passat Car Insurance
2015 Volkswagen Passat Insurance Rates
The average annual insurance cost for a 2015 Volkswagen Passat is $583. However, Safeco offers the cheapest rates, averaging $130 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $366 |
| Dairyland FR Bond | $892 |
| Concord Group | $830 |
| AssuranceAmerica Mobile Max | $524 |
| Safeco | $130 |
| Mercury Insurance | $508 |
| Kemper Auto Premier | $142 |
| American National P | $800 |
| Utica National Ins Group | $871 |
| Countryway Insurance | $769 |
2014 Volkswagen Passat Insurance Rates
The average annual insurance cost for a 2014 Volkswagen Passat is $698. However, Safeco offers the cheapest rates, averaging $57 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $432 |
| Dairyland Scored | $1,037 |
| PEMCO | $955 |
| North Carolina Farm Bureau | $817 |
| Safeco | $57 |
| Kemper Auto Premier | $596 |
| NatGen Custom 360 | $145 |
| American National P&C | $1,029 |
| Virginia Farm Bureau | $1,018 |
| American National P | $897 |
2013 Volkswagen Passat Insurance Rates
The average annual insurance cost for a 2013 Volkswagen Passat is $567. However, Safeco offers the cheapest rates, averaging $154 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $159 |
| Partners Mutual Insurance Co | $937 |
| Utica National Ins Group | $821 |
| Mercury Insurance | $609 |
| Kemper Auto Premier | $133 |
| NatGen Custom 360 | $394 |
| Safeco | $154 |
| IMT Insurance Company | $848 |
| PEMCO | $909 |
| Buckeye Insurance Group | $706 |
2012 Volkswagen Passat Insurance Rates
The average annual insurance cost for a 2012 Volkswagen Passat is $582. However, Safeco offers the cheapest rates, averaging $77 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $363 |
| SECURA Insurance | $873 |
| Kemper Personal Insurance | $679 |
| NatGen Value | $639 |
| Safeco | $77 |
| Mercury Insurance | $572 |
| Kemper Auto Premium | $310 |
| American National P | $740 |
| Kentucky Farm Bureau | $870 |
| AssuranceAmerica Mobile Max | $699 |
2010 Volkswagen Passat Insurance Rates
The average annual insurance cost for a 2010 Volkswagen Passat is $701. However, Mercury Insurance offers the cheapest rates, averaging $161 per year.
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $587 |
| Safety Group | $1,006 |
| Farm Bureau Mutual (IA Group) | $792 |
| Dairyland Scored | $684 |
| Mercury Insurance | $161 |
| Dairyland | $645 |
| SECURA Insurance | $576 |
| West Bend Mutual | $935 |
| GMAC Insurance Group | $893 |
| North Carolina Farm Bureau | $735 |
Find Affordable Volkswagen Passat Car Insurance
Are Volkswagen Passats Expensive To Insure?
The Volkswagen Passat is generally not expensive to insure compared to many other midsize sedans. With solid safety ratings, moderate repair costs, and a reputation for reliability, the Passat tends to fall on the more affordable end of the insurance spectrum. On average, annual insurance premiums for a 2025 Passat are slightly below the national average for all vehicles. However, your actual rate will depend on personal factors like age, driving history, location, and coverage level. Overall, the Passat is considered a practical choice for budget-conscious drivers looking for both comfort and manageable insurance costs.
Cost of Volkswagen Passat Car Insurance By Age
Age is one of the most important factors that affect car insurance premiums. Teen drivers almost always pay the highest rates because they’re statistically more likely to be involved in accidents due to inexperience. As drivers gain more experience and demonstrate safe driving habits, insurance costs generally go down. Adults in their 30s, 40s, and 50s typically enjoy the lowest premiums, as insurers see them as lower-risk. However, rates may start to rise again for seniors in their 70s and beyond. Simply put, the older and more experienced you are—up to a point—the less you’re likely to pay for coverage.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
|---|---|---|---|
| 17 | $8,027 | $11,829 | $13,821 |
| 18 | $7,451 | $11,000 | $12,882 |
| 19 | $6,603 | $9,700 | $11,338 |
| 20 | $5,796 | $8,454 | $9,890 |
| 21 | $4,848 | $7,122 | $8,314 |
| 22 | $4,725 | $6,920 | $8,094 |
| 23 | $4,149 | $6,056 | $7,084 |
| 24 | $3,921 | $5,731 | $6,744 |
| 25 | $3,389 | $4,994 | $5,857 |
| 30 | $2,639 | $3,888 | $4,521 |
| 35 | $2,496 | $3,623 | $4,229 |
| 40 | $2,363 | $3,512 | $4,056 |
| 45 | $2,306 | $3,401 | $3,949 |
| 55 | $2,130 | $3,128 | $3,643 |
| 65 | $2,223 | $3,249 | $3,756 |
| 75 | $2,817 | $4,071 | $4,757 |
Volkswagen Passat Car Insurance Rates By State
Your location plays a major role in determining how much you’ll pay to insure a Volkswagen Passat. Since each state sets its own auto insurance regulations, premiums can vary significantly—states like Michigan, for instance, have higher minimum coverage requirements, which drives up costs. Climate also matters. Areas prone to hurricanes, hail, flooding, or other extreme weather conditions usually face steeper rates. On top of that, insurers consider local data on car thefts, collisions, and fatal accidents. All of these regional risk factors are built into your premium, meaning where you live can dramatically influence your final insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
|---|---|---|---|
| Alabama | $2,489 | $3,650 | $4,629 |
| Alaska | $2,119 | $2,850 | $2,802 |
| Arizona | $2,311 | $3,424 | $5,019 |
| Arkansas | $2,558 | $4,037 | $4,468 |
| California | $2,834 | $5,101 | $2,910 |
| Colorado | $2,681 | $3,762 | $4,721 |
| Connecticut | $3,404 | $5,327 | $6,758 |
| Delaware | $2,826 | $3,793 | $4,878 |
| Florida | $3,380 | $4,659 | $6,072 |
| Georgia | $2,740 | $4,110 | $4,144 |
| Hawaii | $1,102 | $1,522 | $1,072 |
| Idaho | $1,886 | $2,548 | $3,056 |
| Illinois | $1,995 | $3,033 | $3,402 |
| Indiana | $2,066 | $3,137 | $3,540 |
| Iowa | $1,601 | $2,224 | $2,605 |
| Kansas | $2,167 | $3,161 | $3,652 |
| Kentucky | $3,140 | $4,601 | $5,453 |
| Louisiana | $3,978 | $6,067 | $6,557 |
| Maine | $1,496 | $2,100 | $3,116 |
| Maryland | $2,447 | $3,608 | $3,938 |
| Massachusetts | $1,962 | $3,427 | $2,004 |
| Michigan | $4,745 | $7,275 | $11,415 |
| Minnesota | $1,963 | $2,591 | $3,696 |
| Mississippi | $2,338 | $3,355 | $3,413 |
| Missouri | $2,216 | $3,179 | $4,176 |
| Montana | $2,283 | $3,177 | $3,690 |
| Nebraska | $1,873 | $2,820 | $3,089 |
| Nevada | $3,154 | $4,672 | $4,968 |
| New Hampshire | $2,209 | $3,458 | $4,421 |
| New Jersey | $2,418 | $3,783 | $4,971 |
| New Mexico | $2,452 | $3,681 | $3,823 |
| New York | $2,291 | $2,870 | $4,836 |
| North Carolina | $1,440 | $2,455 | $1,734 |
| North Dakota | $1,939 | $2,948 | $3,479 |
| Ohio | $1,735 | $2,686 | $2,720 |
| Oklahoma | $2,777 | $3,962 | $4,450 |
| Oregon | $2,533 | $3,396 | $4,027 |
| Pennsylvania | $2,133 | $3,117 | $3,639 |
| Rhode Island | $3,567 | $5,181 | $5,812 |
| South Carolina | $2,419 | $3,354 | $4,617 |
| South Dakota | $2,152 | $3,100 | $3,603 |
| Tennessee | $2,518 | $3,718 | $4,963 |
| Texas | $2,547 | $3,706 | $4,588 |
| Utah | $2,145 | $3,029 | $4,189 |
| Vermont | $1,664 | $2,582 | $2,703 |
| Virginia | $1,593 | $2,461 | $2,369 |
| Washington | $2,063 | $2,848 | $3,347 |
| West Virginia | $2,092 | $3,011 | $3,741 |
| Wisconsin | $2,087 | $3,264 | $3,714 |
| Wyoming | $1,931 | $2,711 | $2,880 |
Find Affordable Volkswagen Passat Car Insurance
Cheapest Car Insurance Companies For A Volkswagen Passat
The table above highlights the five most affordable car insurance providers for a 2025 Volkswagen Passat, showing both annual and monthly premium estimates. USAA offers the lowest average rate at around $1,013 per year, or roughly $84 per month, making it a top choice for eligible drivers. GEICO follows closely at approximately $1,027 annually, with Progressive coming in at $1,094. While State Farm and Nationwide are slightly higher, they still remain competitive options for drivers looking for reliable coverage at a reasonable price. These figures show that insuring a Passat is relatively cost-effective when compared to other midsize sedans.
| Insurance Company | Average Monthly |
|---|---|
| USAA | $84 |
| GEICO | $86 |
| Progressive | $91 |
| State Farm | $101 |
| Nationwide | $106 |
Common Volkswagen Passat Insurance Discounts
Discounts are a great way to lower your car insurance costs. While each auto insurance provider will offer their own discounts, there are some common ones which you can check your eligibility for:
- Multi-policy: If you bundle your home and auto insurance policies with one provider, you can often get a discounted rate.
- Pay annually: This is for people who pay their premium all at once, rather than spreading the payments out every month.
- Defensive driving: By taking defensive driving courses from a certified institution you can become eligible for discounted prices.
There are other discounts that you can apply for. You should speak to your insurance agent, as they can help you find ones that you are eligible for.
Ways To Save On Volkswagen Passat Insurance Costs
Keeping a clean driving record is one of the most effective ways to reduce your Volkswagen Passat insurance premiums. Even a single speeding ticket can lead to higher rates, and multiple accidents can significantly increase what you pay. On average, Passat drivers with a traffic violation pay about $87 per month, while those with more than one accident could see monthly premiums rise to around $125. Driving habits also impact rates—low-mileage drivers are considered lower risk by insurers. Those who drive between 5,000 and 7,500 miles annually might pay just $69 per month, compared to $80 for drivers logging over 10,000 miles.
Compare Volkswagen Passat To Other Volkswagen Models
Looking for other Volkswagen model insurance costs?
- Volkswagen Arteon Car Insurance
- Volkswagen Atlas Car Insurance
- Volkswagen Golf Car Insurance
- Volkswagen Jetta Car Insurance
- Volkswagen Tiguan Car Insurance
- Volkswagen E-Golf Car Insurance
- Volkswagen Golf R Car Insurance
- Volkswagen Golf Sportwagen Car Insurance
- Volkswagen GTI Car Insurance
- Volkswagen Atlas Cross Sport Car Insurance
Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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FAQs
Do You Need Insurance Before You Can Purchase A Volkswagen Passat?
Before you can legally drive your new Volkswagen Passat off the dealership lot, you must show proof of insurance. The smartest approach is to secure coverage ahead of time—purchase a policy and notify your insurer that you’re finalizing a vehicle purchase. This ensures your Passat is insured the moment you take ownership. While some dealerships offer to arrange insurance for you on the spot, it’s often more cost-effective and convenient to handle it through your own provider. That way, you have full control over your coverage and can avoid last-minute markups or limited policy options.
How Can You Get The Cheapest Insurance For Your Volkswagen Passat?
The most effective way to find the lowest insurance rates for your Volkswagen Passat is by comparing quotes from multiple auto insurance companies. Prices can vary significantly between providers, even for the same level of coverage. That’s why it pays to shop around. At Insuranceopedia, we make this easy by offering a quote comparison tool right on our site. You can view and compare rates from a variety of trusted insurers in one place, helping you make an informed decision and lock in the best possible deal without the hassle of contacting each company individually.
