Car Insurance Quotes for the Volkswagen Passat

In 2021, Volkswagen stopped selling the Passat in the U.S. That doesn’t mean people stopped driving this midsize sedan, though. If you’re one of them, you’re likely paying annual auto insurance premiums of around $1,152 for a basic policy or $2,268 for full coverage.

Freeway Insurance offers affordable car insurance plans that fit your needs and budget. Our agents are ready to help you find the right policy for your midsize sedan at the best possible rate.

Anyone looking to insure their car typically has several policy options, including full coverage or state-required minimum liability insurance.

Full coverage policies tend to be a bit pricier than basic ones because you’re also receiving collision and comprehensive coverage in addition to liability insurance. These two options cover crash and weather-related costs that minimum liability insurance doesn’t cover.

Basic policies meet your state’s required auto insurance limits — and that’s it. Suppose you crash your VW Passat, resulting in medical costs and property damages exceeding the limit noted in your policy. In that case, you’ll be responsible for paying any outstanding balance out of pocket. A full coverage policy, by contrast, takes care of everything minus your deductible.

Full Coverage

Full coverage policies combine liability insurance with comprehensive and collision coverage. This protects you financially if a crash occurs or your Passat is damaged in a weather-related event.

If you cause a crash while driving, your policy’s liability coverage takes care of any medical costs or damage claims the other parties involved might file. It won’t cover any losses you experience, though.

Your policy’s collision coverage protects you in any kind of crash — whether with a car, another SUV, a commercial truck, or property like a fence or a building and regardless of fault.

Comprehensive coverage kicks in when damages happen that are not related to a crash — your Passat gets vandalized or a tree lands on it during a severe storm. In that case, comprehensive coverage pays for all repairs.

State Minimum Liability

Every state requires all drivers to have some form of liability insurance in case they cause a crash. While requirements vary by state, they generally list the minimum amounts a policy must provide to pay for medical costs and property damage.

In Indiana, for example, state law requires drivers to have basic policies that provide $25,000 in coverage to take care of medical or funeral costs for a single person involved in a crash you cause, with up to $50,000 to pay these costs if two or more people are involved. The state also mandates that these policies provide $25,000 to cover property damage.

Several factors influence how much you’ll have to pay to insure your midsize sedan. Here’s a closer look at some of the most common ones.

Age

Age is more than just a number for insurers who use this figure and how many years of driving experience you have to calculate your premium. For example, because teenagers have the least amount of experience behind the wheel, they cost much more to insure, given that the odds they’ll cause a crash are higher. By comparison, a driver in the 50s with decades of driving experience typically pays much less for coverage.

Driving Record

Good drivers are safe drivers. That’s the way insurers see it. Being a good driver means having a clean record — ideally, one with no speeding tickets, traffic infractions, or crashes during the past three years. Drivers with clean records are rewarded with lower premiums.

Loss Probability

Insurers calculate loss probability based on statistics. These statistics track how often the Passat has crashed in the city or region where you live and drive. This includes the extent of damage this sedan usually experiences in crashes, from broken head or taillights in light fender benders to more extensive impacts to the motor where the car is declared a total loss.

DUI convictions always impact auto insurance premiums, no matter what kind of vehicle you’re driving.

To insurers, a DUI means you’re a high-risk driver, more likely to end up filing a claim. This will make your annual premium skyrocket, and you’ll be paying much more than $2,268 per year to insure your Passat. This higher rate will hold for 3-10 years, when the DUI clears from your driving record. If you have other infractions, it may take longer.

Launched in 1973 as part of a group of large family cars, the Passat was the first modern-era sedan produced by German manufacturer Volkswagen. Named after the German word “passatwinde,” meaning trade winds, this sedan has had several variations over the years.

It was introduced in the U.S. in 1974 as a five-door station wagon called the Audi Fox with a four-door model called the Dasher, and it was later dubbed the Quantum. In 1988, the sedan got the name it’s known by: the Passat.

Having sold fewer than 15,000 models of the Passat in 2019, VW discontinued production of this car at its Chattanooga, Tenn. plant to focus on manufacturing other electric crossover vehicles, like the ID.4.