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1994 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 1994 Volkswagen Jetta are $894 a year including full coverage. Comprehensive insurance costs approximately $132, collision insurance costs $162, and liability costs $442. Buying a liability-only policy costs as little as $496 a year, and high-risk insurance costs $1,918 or more. Teenage drivers receive the highest rates at up to $3,674 a year.

Annual premium for full coverage: $894

Rate estimates for 1994 Volkswagen Jetta Insurance

Comprehensive $132
Collision $162
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1994 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 a 40-year-old driver, prices range range from as low as $496 for just liability coverage to a much higher rate of $1,918 for high-risk insurance.

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

View Chart as Image

1994 Volkswagen Jetta insurance rates compared
Column chart showing 1994 Volkswagen Jetta insurance prices range from $552 to $3,674 for full coverage

These differences highlight why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of making a decision based on average rates.

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 1994 Volkswagen Jetta Insurance

Searching Companies

Want the cheapest insurance coverage rates for your Volkswagen Jetta? Finding lower premiums on insurance coverage can be nearly impossible for consumers not familiar with buying insurance online. You have so many choices that it can turn into a challenge to compare prices.

Consumers need to price shop coverage yearly because rates change frequently. Just because you had the best deal for Jetta insurance a year ago you can probably find a lower rate today. Starting right now, ignore everything you know about insurance coverage because you’re going to get a crash course in the proper way to remove unneeded coverages and save money.

Shopping for the best coverage is easy if you know what you’re doing. Basically, every vehicle owner who carries auto insurance will be able to lower their premiums. Nevertheless, drivers need to have an understanding of the way companies price online insurance because it can help you find the best coverage.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but there could be available discounts that you may not even be aware of. Certain discounts will be triggered automatically when you purchase, but a few must be requested specifically before you get the savings.

  • College Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • No Accidents – Good drivers with no accidents pay less when compared to frequent claim filers.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for Jetta insurance than drivers with accidents.
  • Clubs and Organizations – Being a member of a professional or civic organization could qualify you for a break on your policy for Jetta insurance.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Some only reduce the price of certain insurance coverages like comp or med pay. So when it seems like having all the discounts means you get insurance for free, you’re out of luck. But any discount will help reduce your premiums.

For a list of insurers with discount auto insurance rates, click here.

Tailor your coverage to you

When buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine if your situation will benefit from professional help.

  • Should I buy full coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered if hit by an uninsured driver?
  • Does car insurance cover theft of personal property?
  • Will my rates increase for filing one claim?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Coverage specifics

Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Med pay and PIP coverage pay for bills like funeral costs, EMT expenses and dental work. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, rock chips in glass, damage from flooding, hail damage and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

This coverage covers damage to your Jetta resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, damaging your car on a curb, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Liability coverage

This coverage will cover damage or injury you incur to other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like loss of income, repair costs for stationary objects, bail bonds, legal defense fees and pain and suffering. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Volkswagen Jetta.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

You can do this!

Insureds leave their current company for many reasons like policy cancellation, unfair underwriting practices, extreme rates for teen drivers or even high prices. It doesn’t matter why you want to switch finding a great new company is pretty simple and you could end up saving a buck or two.

In this article, we covered many ways to lower your 1994 Volkswagen Jetta insurance rates. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest premiums are with a company that doesn’t do a lot of advertising.

As you prepare to switch companies, don’t be tempted to buy poor coverage just to save money. There are too many instances where an accident victim reduced collision coverage only to regret that it was a big mistake. Your strategy should be to buy the best coverage you can find for the lowest price while still protecting your assets.

More information is located on the following sites:

Rates by U.S. City

1994 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

1994 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

1994 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

1994 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

1994 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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