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1991 Volkswagen Jetta Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 23, 2017

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Average insurance rates for a 1991 Volkswagen Jetta are $894 a year for full coverage insurance. Comprehensive insurance costs approximately $132 each year, collision insurance costs $162, and liability coverage costs around $442. Buying a liability-only policy costs as low as $496 a year, and high-risk insurance costs $1,918 or more. Teen drivers receive the highest rates at up to $3,674 a year.

Annual premium for full coverage: $894

Rate estimates for 1991 Volkswagen Jetta Insurance

Comprehensive $132
Collision $162
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1991 Volkswagen Jetta models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $496 for basic liability insurance to a high rate of $1,918 for a driver that may need high-risk insurance.

Liability Only $496
Full Coverage $894
High Risk $1,918

View Chart as Image

1991 Volkswagen Jetta insurance rates compared
Column chart showing 1991 Volkswagen Jetta insurance prices range from $552 to $3,674 for full coverage

These differences illustrate why all drivers should compare prices using their specific location and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 1991 Volkswagen Jetta Insurance

Searching Companies

Looking for the cheapest car insurance rates for your Volkswagen Jetta? Are you sick and tired of robbing Peter to pay Paul to buy car insurance? You are in the same boat as millions of other consumers.

Companies like Allstate, Progressive and GEICO all claim big savings with fancy advertisements and it is challenging if not impossible to see through the deception and do the work needed to find the best deal.

You need to compare prices once or twice a year since rates change frequently. Just because you had the best price on Jetta insurance six months ago you can probably find a better price now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the best way to find better coverage at a better price.

Automobile Insurance Quotes

To find the best insurance prices, there are several ways to get quotes from insurance companies in your area. One of the best ways to find competitive 1991 Volkswagen Jetta insurance rates is to use the internet to compare rates. It is quite easy and can be accomplished in several different ways.

The single most time-saving way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing repetitive form entry for each company. Completing one form will get you price quotes from many national carriers.

A more difficult way to get quotes online requires you to visit each individual company website to request a price quote. For example, we’ll assume you want to compare Progressive, Farmers and Allstate. You would have to go to every website to enter your coverage information, which is why the first method is quicker.

For a list of links to insurance companies in your area, click here.

The least efficient way to get comparison rates is driving to different agent offices. The internet eliminates the need for an insurance agent unless you want the professional guidance of a local agent. It is possible to compare the best prices online but buy from a local insurance agent.

However you get your quotes, be sure to compare the exact same coverages and limits for each comparison quote. If you compare mixed coverages it’s not possible to decipher which rate is best. Quoting even small variations in limits can make a big difference in price. And when price shopping your coverage, comparing a large number of companies helps you find a better price.

How much can you save with these five discounts?

Auto insurance companies don’t list every available discount in an easy-to-find place, so we took the time to find some of the more common as well as the least known savings tricks you should be using.

  • Bundle and Save – When you combine your home and auto insurance with the same company you may save at least 10% off all policies.
  • Driver Safety – Taking a driver safety course could save 5% or more if your company offers it.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less on Jetta insurance than drivers with accidents.
  • Clubs and Organizations – Belonging to certain professional organizations may earn a discount on your policy on Jetta insurance.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

Car insurance companies who might offer some of the above discounts include:

It’s a good idea to ask every prospective company which discounts they offer. Savings may not be available in your area.

How much car insurance do I need?

When choosing proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions may help highlight if your insurance needs might need an agent’s assistance.

  • Are there companies who specialize in insuring high-risk drivers?
  • Should I carry comprehensive and collision coverage?
  • Is my camper covered by my car insurance policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I have coverage when making deliveries for my home business?
  • What is covered by UM/UIM coverage?
  • Am I covered when using my vehicle for business?
  • Is my nanny covered when driving my vehicle?

If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Insurance coverages and their meanings

Understanding the coverages of a insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.

Comprehensive auto coverage – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like theft, a broken windshield, hail damage, hitting a deer and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability coverage – This can cover damage that occurs to other people or property by causing an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like structural damage, funeral expenses and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for immediate expenses for things like nursing services, hospital visits, chiropractic care and ambulance fees. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Collision coverage – Collision insurance covers damage to your Jetta resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, rolling your car, colliding with a tree, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Save your cold hard cash

As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. There have been many cases where an insured cut full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at the best price, not the least amount of coverage.

Budget-conscious 1991 Volkswagen Jetta insurance is definitely available on the web and with local insurance agents, so compare prices from both to get a complete price analysis. Some auto insurance companies do not offer online price quotes and these regional insurance providers work with independent agents.

In this article, we covered a lot of tips how to save on insurance. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with an unexpected company. Smaller companies can often provide lower rates in certain areas than the large multi-state companies such as GEICO and State Farm.

To read more, feel free to browse these articles:

Rates by U.S. City

1991 Volkswagen Jetta Insurance Rates by City
City Premium
New York City, NY $1,416
Los Angeles, CA $1,527
Philadelphia, PA $1,196
Jacksonville, FL $1,299
Phoenix, AZ $1,042
Chicago, IL $1,199
Houston, TX $1,401
Seattle, WA $872
Columbus, OH $750
Indianapolis, IN $762

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1991 Volkswagen Jetta Insurance Rates by Driver Age
Driver Age Premium
16 $3,674
20 $2,044
30 $906
40 $894
50 $824
60 $806

Full coverage, $500 deductibles

Rates by Deductible

1991 Volkswagen Jetta Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,020
$250 $962
$500 $894
$1,000 $826

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Jetta Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $894
50/100 $982
100/300 $1,093
250/500 $1,380
100 CSL $1,027
300 CSL $1,270
500 CSL $1,447

Full coverage, driver age 40

Rates for High Risk Drivers

1991 Volkswagen Jetta Insurance Rates for High Risk Drivers
Age Premium
16 $5,152
20 $3,256
30 $1,928
40 $1,918
50 $1,836
60 $1,816

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $118

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $44
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $52
5-yr Claim Free $55
Paid in Full/EFT $30
Advance Quote $38
Online Quote $59
Total Discounts $342
Rate after discounts $552

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

1991 Volkswagen Jetta Insurance Rates by State
State Premium
Alabama $810
Alaska $688
Arizona $744
Arkansas $894
California $1,018
Colorado $854
Connecticut $920
Delaware $1,012
Florida $1,120
Georgia $826
Hawaii $642
Idaho $606
Illinois $666
Indiana $674
Iowa $604
Kansas $852
Kentucky $1,220
Louisiana $1,326
Maine $552
Maryland $740
Massachusetts $718
Michigan $1,554
Minnesota $748
Mississippi $1,072
Missouri $794
Montana $962
Nebraska $706
Nevada $1,072
New Hampshire $644
New Jersey $1,000
New Mexico $792
New York $944
North Carolina $514
North Dakota $732
Ohio $620
Oklahoma $920
Oregon $820
Pennsylvania $854
Rhode Island $1,194
South Carolina $810
South Dakota $756
Tennessee $786
Texas $1,078
Utah $664
Vermont $612
Virginia $536
Washington $692
West Virginia $820
Wisconsin $620
Wyoming $798

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