The Volkswagen Passat is a mid-size luxury sedan that first debuted in the U.S. in 1973 and was discontinued by the brand after 2022. The average Volkswagen Passat insurance cost per month is $147 for full coverage and $76 for minimum coverage. No matter what kind of Passat you drive, it needs to be protected with the right car insurance.
When it's time to find the best VW Passat car insurance, an independent insurance agent can assist you. These agents know where to get the right Volkswagen car insurance at a great rate. But first, here's a closer look at how much it costs to insure a Volkswagen Passat by model year and top-rated insurance company in 2026.
Key Takeaways - Volkswagen Passat Car Insurance: 2026
Volkswagen Passat insurance costs an average of $1,762 per year, or approximately $147 per month, for full coverage in 2026.
Volkswagen Passat insurance costs vary widely by state, with drivers in Wyoming paying an average of only $26 monthly for minimum coverage, while those in Louisiana pay $149.
Travelers, Kemper, and Progressive are the cheapest carriers for Volkswagen Passat insurance this year.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Volkswagen Passat insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Volkswagen Passat model.
How Much Does Volkswagen Passat Insurance Cost in 2026?
Volkswagen Passat insurance in 2026 costs an average of $1,762 per year for full coverage, or approximately $147 per month. So, how much does it cost to insure a VW Passat per month with minimum, liability-only coverage? Minimum VW Passat insurance costs an average of $915 per year, or approximately $76 per month. The cost of your car insurance for a VW Passat will vary based on your location, driving history, insurance company, and other factors.
Volkswagen Passat Insurance Cost by Model Year
How much is insurance on a Volkswagen Passat by model year? The average Volkswagen Passat 2022 insurance cost is $114 per month for minimum coverage and $221 per month for full coverage. The table below compares VW Passat liability-only vs. full coverage costs by model year for 2026.
| Model Year | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
|---|---|---|
| 2022 | $114 | $221 |
| 2021 | $97 | $188 |
| 2020 | $92 | $179 |
| 2019 | $81 | $156 |
| 2018 | $76 | $147 |
| 2017 | $64 | $123 |
| 2016 | $144 | $277 |
| 2015 | $116 | $224 |
| 2014 | $103 | $199 |
| 2013 | $96 | $185 |
Volkswagen Passat Insurance Cost by Trim Level
Volkswagen Passat insurance rates also vary by your model's specific trim level. The SE model costs only about $5 less to insure per month than the Limited Edition. The table below compares model-year 2022 VW Passat insurance rates by trim level, including VW Passat SE vs. R-Line insurance costs.
| Trim Level | Average Annual Cost of Full Coverage | Average Monthly Cost of Full Coverage |
|---|---|---|
| SE | $2,132 | $178 |
| R-Line | $2,152 | $179 |
| Limited Edition | $2,200 | $183 |
Cheapest Car Insurance Companies for the Volkswagen Passat
Looking for the cheapest insurance for a Volkswagen Passat? Travelers currently offers the lowest Volkswagen Passat full coverage costs and minimum coverage costs, at just $132 and $72 per month, respectively.
An independent insurance agent can help you compare rates from the best car insurance companies. The table below compares Volkswagen Passat insurance rates by company for 2026.
| Top Car Insurance Companies | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
|---|---|---|
| Travelers | $72 | $132 |
| Kemper | $77 | $154 |
| Progressive | $79 | $148 |
| AAA | $83 | $171 |
| The Hartford | $84 | $143 |
| Amica | $89 | $181 |
| Nationwide | $93 | $161 |
| Allstate | $95 | $182 |
| Chubb | $98 | $191 |
| AIG | $109 | $270 |
| UAIC | $134 | $167 |
What Kind of Insurance Does a Volkswagen Passat Need?
If you drive a newer VW Passat, or one that's financed via a loan or lease, you'll need full coverage insurance. However, if you drive an older model that's paid off, you'll only need to meet your state's minimum coverage requirements, and any additional coverage is optional. The table below compares when you should consider getting Passat insurance minimums vs. full coverage.
| Factor | Full Coverage | Minimum (Liability-Only) Coverage | Gap Coverage |
|---|---|---|---|
| Older, Paid-Off Vehicle | No | Yes | No |
| Newer, Financed Vehicle | Yes | No | Yes |
Most states mandate the following coverage
Consider adding at least the following coverage types for your Volkswagen Passat, which are typically required by law.
Bodily injury liability
If someone is injured in an accident that you cause while driving your Volkswagen Passat, your bodily injury liability coverage can help pay for the damage. This policy can cover legal fees, loss of income, pain and suffering, medical expenses, and funeral costs.
Property damage liability
If you cause an accident while driving your Volkswagen Passat, property damage liability coverage can pay for repairs to the other party's vehicle and property. It may also cover legal defense costs associated with property damage claims.
Many states also require this coverage
You're also likely to need the following types of VW Passat insurance in many areas.
Medical Payments Coverage and Personal Injury Protection
Depending on your state, you can choose between medical payments coverage and personal injury protection (PIP). Many car accidents result in injury, and this type of insurance can help pay the medical bills associated with recovery. PIP coverage can also pay for lost wages while the injured party is out of work recovering.
Uninsured motorist coverage
If you are injured or your vehicle is damaged in an accident caused by a driver who doesn't have insurance, uninsured motorist coverage can cover associated losses up to your policy's limits. Even though liability insurance is required by law in most states, many drivers are still uninsured or underinsured.
Your independent insurance agent can help you understand your options for uninsured and underinsured motorist coverage and whether it's a wise choice to add it to your policy.
Optional coverage for your Volkswagen Passat
Even though the following types of car insurance aren't typically mandatory, they can be helpful to include in your policy. A local independent insurance agent can help you determine which types of optional coverage are appropriate for your specific VW Passat.
Collision
If you are in an accident, collision coverage can pay for damage to your car from a collision with another object, regardless of fault. However, it doesn't make sense to have collision coverage on an older Volkswagen Passat that's already paid off. Your independent insurance agent can help you decide if full coverage is the right choice for you.
Comprehensive
Comprehensive coverage can pay for damage to your car due to a non-collision event, such as a flood or theft. It can help pay for losses if your car is stolen or vandalized, or if you hit a large animal such as a deer. If you have a loan or lease on your car, comprehensive coverage may be required by your lender.
Glass coverage
A broken windshield demands immediate attention, and in some places, you can get a ticket for driving with damaged glass. A glass coverage policy lets you get your Passat's broken glass repaired without having to dig into your savings.
Gap insurance
If you're in an accident that severely damages or totals your Passat, gap coverage can cover the difference between the amount still owed on the loan and your vehicle's value if you owe more than the car is worth. Every insurance policy has limits, and your insurance company will only pay up to the vehicle's fair market value. Talk with your independent insurance agent about how gap insurance may protect you if you own a newer Volkswagen Passat.
What Affects the Cost of Car Insurance for Your Volkswagen Passat?
Many different factors influence VW Passat insurance rates, such as your driving history, annual mileage, vehicle value, and more.
Annual mileage
Driving more than 10,000 to 15,000 miles each year often leads to higher auto insurance premiums. The more you use your vehicle, the greater the risk of being involved in an accident or getting a traffic violation, such as a speeding ticket.
Driving record
Volkswagen Passat drivers without traffic violations or at-fault accidents on their driving record enjoy some of the lowest insurance premiums. Car insurance companies love to reward drivers without speeding tickets, DUIs, accidents, and other violations on their records, as they have a much lower chance of filing claims.
Your car's model year and trim level
Your Passat's age and trim level also affect its insurance rates. For example, full coverage for a 2022 VW Passat costs an average of $221 per month, compared to $185 per month for a 2013 model. Base level trims also cost less to insure per month than special editions.
The safety of your Volkswagen Passat
The 2022 VW Passat earned a 4-star overall score from the NHTSA (5 stars for side, 4 stars for rollover, and 3 stars for the frontal categories). The IIHS gave the vehicle a "Good" rating in all six crashworthiness categories and for the SEL trim's headlights category. Other trims received a "Marginal" rating. The Passat's high safety scores can positively affect your insurance costs with lower premiums.
Where you live
Your location influences car insurance premium calculations. If you live in a densely populated city, you may have higher premiums than someone who lives in a rural town, due to the increased risk of accidents and car insurance claims.
Costs for VW Passat insurance vary widely by location. For example, drivers in Wyoming pay an average of just $26 per month for minimum coverage, while drivers in Louisiana pay $149 for the same amount of coverage.
Driver age and experience
Your age has a major impact on the cost of car insurance. Volkswagen Passat insurance for young drivers, especially teens, is much more expensive. For example, a 16-year-old male driver pays an average of $7,943 per year for VW Passat insurance, while a 40-year-old driver pays $2,164, on average.
A 60-year-old driver pays only $1,794 per year. However, car insurance rates typically begin to climb again around age 65.
Volkswagen Passat Insurance Rates by State
Your premiums are greatly influenced by your location. The table below compares Volkswagen Passat insurance costs by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
|---|---|---|
| Alabama | $62 | $116 |
| Alaska | $53 | $111 |
| Arizona | $90 | $166 |
| Arkansas | $59 | $131 |
| California | $73 | $148 |
| Colorado | $69 | $166 |
| Connecticut | $108 | $184 |
| Delaware | $109 | $182 |
| Florida | $104 | $239 |
| Georgia | $116 | $189 |
| Hawaii | $38 | $87 |
| Idaho | $41 | $83 |
| Illinois | $69 | $129 |
| Indiana | $47 | $93 |
| Iowa | $39 | $95 |
| Kansas | $53 | $122 |
| Kentucky | $94 | $160 |
| Louisiana | $149 | $320 |
| Maine | $37 | $77 |
| Maryland | $119 | $201 |
| Massachusetts | $76 | $161 |
| Michigan | $114 | $218 |
| Minnesota | $60 | $123 |
| Mississippi | $63 | $125 |
| Missouri | $85 | $170 |
| Montana | $50 | $118 |
| Nebraska | $53 | $121 |
| Nevada | $138 | $249 |
| New Hampshire | $52 | $91 |
| New Jersey | $126 | $208 |
| New Mexico | $60 | $134 |
| New York | $93 | $166 |
| North Carolina | $59 | $115 |
| North Dakota | $41 | $89 |
| Ohio | $56 | $109 |
| Oklahoma | $66 | $146 |
| Oregon | $95 | $165 |
| Pennsylvania | $64 | $149 |
| Rhode Island | $92 | $164 |
| South Carolina | $76 | $142 |
| South Dakota | $37 | $112 |
| Tennessee | $59 | $118 |
| Texas | $95 | $194 |
| Utah | $82 | $139 |
| Vermont | $32 | $75 |
| Virginia | $71 | $116 |
| Washington | $70 | $130 |
| West Virginia | $63 | $128 |
| Wisconsin | $48 | $104 |
| Wyoming | $26 | $80 |
What Is the Average Cost to Insure a Volkswagen Passat in 2026?
The cost of your car insurance can vary depending on factors such as age, driving record, and more. The average annual premium for full coverage for a VW Passat is $1,762, or about $147 per month. Minimum coverage costs an average of $915 per year, or about $76 per month. You can expect to pay much more if you are a high-risk driver and have prior claims on your record.
Most and least affordable states for Volkswagen Passat insurance
Is the Volkswagen Passat expensive to insure? It depends largely on where you live. However, the Passat ranks in the top 3% of the most affordable vehicles to insure overall, coming in at number 22 of 827 total vehicles.
The tables below compare the most and least expensive states for VW Passat insurance in 2026, based on average minimum monthly coverage rates.
Most and least expensive states for VW Passat insurance
| Rank | Most Expensive States | Average Monthly Premium |
|---|---|---|
| 1 | Louisiana | $149 |
| 2 | Nevada | $138 |
| 3 | New Jersey | $126 |
| 4 | Maryland | $119 |
| 5 | Georgia | $116 |
| Rank | Least Expensive States | Average Monthly Premium |
|---|---|---|
| 1 | Wyoming | $26 |
| 2 | Vermont | $32 |
| 3 | Maine | $37 |
| 4 | South Dakota | $37 |
| 5 | Hawaii | $38 |
How to Save on Volkswagen Passat Car Insurance
Wondering how to lower your VW Passat insurance rates? A local independent insurance agent can help you find cheap car insurance near you and save up to 24% by comparing quotes from multiple carriers annually. It's also easy to save even more money when you ask about these common Volkswagen Passat car insurance discounts:
- Good student discounts: Many car insurance companies offer savings to insured drivers with students on their policies who maintain at least a B average.
- Anti-theft device discount: Many car insurance companies reward you with savings if your vehicle is equipped with anti-theft devices.
- Affinity discount: If you belong to a certain group or organization or are an alumnus, many car insurance companies offer savings on your premiums.
- Good driver discounts: If your driving record is free of accidents and other violations, you can often save a substantial amount on your car insurance.
- Bundling discounts: Buying more than one type of coverage, such as home insurance and auto insurance, through the same carrier can help you save on each.
- Multi-vehicle discounts: Insuring more than one vehicle with the same carrier can help you save money on each policy.
- Usage-based (telematics) discounts: Many car insurance companies offer telematics programs that track your annual mileage or driving behavior and reward you with savings for low mileage and good driving habits.
- Defensive driving course discounts: Completing an approved defensive or safe driving course can often help you earn significant savings on car insurance.
- Occupation discounts: Working in a certain profession, such as teaching, may be enough to qualify you for car insurance savings from some carriers.
Choosing a higher deductible can also help you save money on your monthly or annual car insurance premiums. However, you'll have to pay more out of pocket each time you file a claim.
Is the Volkswagen Passat Expensive to Insure?
No, the VW Passat isn't expensive to insure when compared to similar vehicles. The Passat ranks 22nd out of 827 vehicles when compared for affordability, placing it within the top 3%. It costs only $10 more per year to insure than the Toyota Camry, $116 less per year than the Honda Accord, and $278 less per year than the Nissan Altima.
Volkswagen Passat Production History and Its Effect on Insurance
The Passat was officially discontinued by Volkswagen in the U.S. after 2022. Discontinued vehicles sometimes cost more to insure due to less parts availability and higher repair costs. Fortunately, however, the Passat remains quite affordable to insure, despite its discontinued status.
FAQs About Volkswagen Passat Insurance
How much is insurance on a Volkswagen Passat per month?
Minimum coverage for a VW Passat costs an average of $76 per month. Coverage costs range from $147 to $180 per month depending on the model year of the vehicle you own and your driver profile.
Is the Volkswagen Passat cheap to insure?
Yes, the VW Passat is cheap to insure compared to many other vehicles. The Passat ranks among the top 3% of the most affordable vehicles, or 22nd out of 827 cars ranked. The average annual cost of full coverage is $1,762.
What is the cheapest insurance company for a Volkswagen Passat?
We found that Travelers is the cheapest car insurance company for a VW Passat this year, with rates starting at just $72 per month for minimum coverage and $132 per month for full coverage.
Does the Volkswagen Passat still get made?
No, the VW Passat was discontinued after the 2022 model year. The latest Passat model came in SE, R-Line, and Limited Edition trims. However, the Passat is still in production in some international markets.
What safety rating does the Volkswagen Passat have?
The 2022 VW Passat earned a 4-star overall score from the NHTSA (5 stars for side, 4 stars for rollover, and 3 stars for frontal categories). The IIHS gave the vehicle a "Good" rating in all six crashworthiness categories and in the SEL headlights category. Other trims received a "Marginal" rating.
How does driver age affect Volkswagen Passat insurance rates?
Younger drivers pay more for VW Passat insurance, especially teenagers. A 16-year-old male pays an average of $7,493 per year for Passat insurance, while a 40-year-old pays $2,164, and a 60-year-old pays $1,794. Teen insurance rates can be as much as four times higher.
Should I get full coverage or liability only on an older Volkswagen Passat?
For models valued under about $5,000 (generally pre-2014 model year), liability-only coverage is often more cost-effective. Full coverage is recommended for 2018–2022 models or financed vehicles.
Get a Volkswagen Passat Car Insurance Quote
When it's time to find the most affordable Volkswagen Passat insurance, no one's better equipped to help than a local independent insurance agent. Your agent can help you shop and compare free car insurance quotes for the VW Passat from multiple carriers, potentially saving you hundreds of dollars per year.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
Related links:
Sources
https://www.moneygeek.com/insurance/auto/vw-passat-insurance/
https://insuraviz.com/vehicles/volkswagen/volkswagen-passat-insurance/
https://www.compare.com/auto-insurance/vehicles/volkswagen/passat
https://www.iihs.org/ratings/vehicle/volkswagen/passat-4-door-sedan/2022