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Compare quotes for Volkswagen Passat Sel car insurance cost, 2023

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
The average cost of car insurance for Volkswagen Passat Sel owners is $2,674 a year. However, exact rates vary from model to model: for instance, the Jetta Gli Autobahn costs $328 more per year to insure than the Cabrio

Volkswagen Passat Sel car insurance cost

One of the primary determining factors for your Volkswagen Passat Sel insurance rate is the age of your vehicle. Here's how much it costs to insure your Passat Sel by car year:
Model year
Average Cost
Annual Savings with Jerry
If you drive a Volkswagen Passat Sel , you can expect your insurance costs to vary depending on trim level, upgrades, and the coverage level you select. Here's how your insurance cost compares to other similar cars:

Best car insurance companies for your Volkswagen Passat Sel

If you drive a Volkswagen, you probably put a high value on the things Volkswagen does best: reliability, practicality, and quality that stands the test of time.
Take a look at the table below to see the options different insurance companies offer for Volkswagen Passat Sel drivers.
Insurance company
Average Cost
Annual Savings with Jerry
Commonwealth Insurance$2,857$1,735
Aspire Advantage$2,412$1,178
Assurance America$2,638$1,156
National General$2,821$1,013

Compare car insurance quotes for Volkswagen Passat Sel

But with all the different insurance companies and coverage options out there, how do you find the right insurance? With support from Jerry’s insurance experts, switching policies is close to effortless—with no unwanted phone calls, no duplicate paperwork, and no long wait times.
See for yourself what real Jerry customers saved by shopping for Volkswagen insurance in the app!
Quote DateZip CodeStateCityNameAgeInsurance Company
Before Jerry
After Jerry
March 10, 202330087GAStone MountainBirdie S.28Progressive$3,024$2,868
March 9, 202389115NVLas VegasKathryn L.43Dairyland$7,200$6,117
March 6, 202317563PAPeach BottomBenjamin S.20Progressive$4,248$3,122

Best car insurance companies for Volkswagen Passat Sel drivers with bad driving records

Look—Jerry knows you’re not a bad driver. In fact, our research shows that nearly 50% of U.S. drivers would rate themselves as “great,” and over half of Americans believe they’re the best driver in their immediate family.
But, well, stuff happens. And when that stuff hits the fan—whether it’s that speeding ticket you got while you were vibing to Beyonce’s new single or the DUI you picked up after that night of bad decisions in college—insurance companies are likely to raise your rates and even label you a “high-risk driver." Take a look at the table below to see how Jerry customers with previous infractions adjusted their rates
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,645$878
Speeding over 15$6,618$1,169
Driving on Sus. License$3,600$1,144
Failure to Obey Traffic Sign$2,827$1,008
Improper Passing$2,839$903
Speeding under 15$2,746$858
Careless Driving$1,956$618
Seat Belt$3,360$543
Cell Phone$3,360$543

How much does Volkswagen Passat Sel insurance go up after a DUI?

If you get a DUI while driving your Passat Sel, you can expect your premium to increase by an average of 21%.

How much does Volkswagen Passat Sel insurance go up after a speeding ticket?

We’ve all been there. If you get a speeding ticket in your Passat Sel, your insurance premium could increase by an average of 44%

Best Car Insurance for Volkswagen Passat Sel by Age

If you’re a young driver, you might feel like you need literal superpowers to find decent car insurance at a fair price. That’s because most insurance companies label drivers under age 25 as “high-risk drivers”—regardless of their actual driving record!
The logic makes sense: because young drivers are less experienced, they tend to have statistically higher accident rates. Companies hike young drivers’ premiums to account for their perceived risk, even if their records are spotless.
If you’re under 25, you could be paying as much as $13 more every month for your insurance. Below is a comparison of average rates Jerry customers saw, broken down by age.

Best Car Insurance for Volkswagen Passat Sel by Location

Maybe you’ve got a perfect driving record and you’ve got a decent number of years behind the wheel. But your insurance premiums are still high—why?
It’s all about risk. If you live somewhere with high rates of auto theft, traffic accidents, or severe weather, the risk to your vehicle goes up. Where you see your neighborhood, your insurance company sees a higher chance of expensive claims, and they’ll factor that into your premium.
So where can Volkswagen Passat Sel drivers find the lowest rates—and where can you expect higher-than-average premiums? Take a look at the breakdown below.
Quote DateCar
Before Jerry
After Jerry
Zip codeStateNameAgeInsurance Company
March 6, 2023Chevrolet Camaro Ss$135/mo.$85/mo.78566TXCole W.42National General
March 8, 2023Nissan Rogue Select S$100/mo.$96/mo.63130MOMayme B.27Progressive
March 5, 2023Ford Focus SE$360/mo.$127/mo.41004KYRyan S.43Progressive
March 5, 2023Honda Accord LX$420/mo.$133/mo.95928CAVictoria G.60Aspire Advantage
March 14, 2023Kia Cadenza Luxury$305/mo.$218/mo.20678MDLora A.48Electric

Driving a Volkswagen Passat Sel

The VW Passat SEL is an incredibly well-equipped yet affordable full-size sedan. Smooth and surprisingly quick, the SEL represents excellent value for money relative to its performance. It’s also quite luxurious, featuring a fancy interior and a series of special features for an added flash. And since the trim level was ditched in 2020, a good Passat SEL is available for around $25,000.The Passat SEL is the top of the range level of VW’s popular model. And it comes with an accordingly luxurious range of features. Leather seats are standard, as are dual-zone climate control, a touch screen infotainment system, and smart safety technology. While it doesn’t drive like an Audi or BMW, the ride is smooth enough for it to be a pleasant experience. It’s an enticing vehicle and might be a prudent buy at $25,000. However, a Passat SEL is no good if it’s not protected with the right car insurance.
If you own a Volkswagen Passat Sel , here’s what you need to know about your vehicle:
  • The trim level you pick at the dealership affects your insurance rate. Opting for that top-of-the-line TRD trim will cost more upfront, and it’ll add to your monthly expenses.
  • Regular maintenance will keep your [model] in peak shape and help you avoid accidents that could raise your rate. Be sure to follow the recommended maintenance schedule in your owner’s manual!
  • If you bought your Volkswagen Passat Sel new, it’s worth considering new car replacement insurance to protect your investment.
Although you’ll drop leather seats and some fancy tech, the SE might be worth a look. $3,000 cheaper, it still comes with heated seats, climate control, a touchscreen infotainment system, and lane-keep assist.
Key Takeaway: The more your Volkswagen Passat Sel is worth, the more you’ll pay to insure and drive it.

How can you save money on insurance for a Volkswagen Passat Sel?

The average annual cost to insure a model is $2,674. But who says you have to be average? Here are a few hacks to help you save money on insurance.

Compare rates

You’ve heard it before: compare, compare, compare. When it comes to finding car insurance savings, comparison shopping is the name of the game.
Here’s why it works: every insurance company uses a different algorithm to set your rate. Unless you have the ability to automatically detect the optimal algorithm for your vehicle, age, zip code, etc., the only way to find the right coverage at the best rate is to compare quotes.
Actually, there is one other way—download the Jerry app, and let Jerry handle the algorithms (and the savings!) By answering a few simple questions, you can get instant access to Jerry’s pool of over 55 top insurance companies, and you’ll see rate comparisons in as little as 45 seconds!

Drive well to save

That’s right, safe driving could literally put money back in your pocket. Not only will tickets send your rate skyrocketing, but you’ll set yourself up for discounts if you can maintain a totally clean record.
If you’re close to that perfect clean record, try out a telematics program like Jerry’s Drive Well, Earn Perks to earn instant savings for your good on-road behavior. And if you’ve already got a driving history that’s, well, less than stellar, don’t despair: Jerry can still help you find low rates and improve your driving (and it’s all on your phone!).

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