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1997 Volkswagen Jetta Insurance Rates

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

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 1997 Volkswagen Jetta are $894 a year with full coverage. Comprehensive insurance costs an estimated $132, collision insurance costs $162, and liability costs around $442. Buying a liability-only policy costs as low 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 1997 Volkswagen Jetta Insurance

Comprehensive $132
Collision $162
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1997 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 just liability coverage to the much higher price 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

1997 Volkswagen Jetta insurance rates compared
Column chart showing 1997 Volkswagen Jetta insurance prices range from $552 to $3,674 for full coverage

These differences demonstrate why everyone should compare prices for a targeted area and risk profile, instead of using 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 1997 Volkswagen Jetta Insurance

Searching Companies

Car insurance shopping is not something drivers love to do, but unfortunately it’s required before you can go for a ride.

Buying car insurance is quite easy. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these tips. Although drivers do need to know the methods companies use to sell insurance online.

Discounts are available to cut your rates

Auto insurance companies don’t always advertise all their discounts in a way that’s easy to find, so we break down both well-publicized and the harder-to-find discounts you could be receiving.

  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you may save approximately 10% to 15%.
  • Discount for Life Insurance – Some companies give better rates if you take out life insurance.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Clubs and Organizations – Affiliation with certain professional organizations could qualify you for a break when shopping for auto insurance on Jetta coverage.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • Passive Restraints – Cars that have air bags or automatic seat belts can get savings of more than 20%.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Most only apply to specific coverage prices like comp or med pay. So when the math indicates having all the discounts means you get insurance for free, it doesn’t quite work that way.

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

The quickest method we recommend to compare policy rates utilizes the fact most of the bigger providers participate in online systems to provide you with free rate quotes. All you need to do is take a few minutes to give details like any included safety features, the make and model of your vehicles, your education level, and if a SR-22 is needed. Your insurance information gets transmitted to multiple top-rated companies and you get price estimates instantly.

Everyone needs different coverages

When it comes to choosing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover if your situation might need an agent’s assistance.

  • Where can I get insurance after a DUI in my state?
  • What can I do if my company denied a claim?
  • Am I insured when driving a different vehicle?
  • Is there coverage for injuries to my pets?
  • Does my policy pay for OEM or aftermarket parts?
  • Is my teen driver covered when they drive my company car?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form.

Parts of your insurance policy

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with a tree, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for expenses like hospital visits, rehabilitation expenses and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability car insurance – This coverage provides protection from damage or injury you incur to other people or property by causing an accident. This coverage protects you against claims from 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. You commonly see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.

Liability coverage protects against claims like repair bills for other people’s vehicles, medical services, medical expenses, court costs and attorney fees. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive protection – This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like theft, falling objects and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 1997 Volkswagen Jetta.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Buy online or local, you save

We just presented quite a bit of information on how to get a better price on 1997 Volkswagen Jetta insurance. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. Consumers could even find that the biggest savings come from the smaller companies.

Low-cost insurance can be bought from both online companies as well as from independent agents, and you should be comparing both to have the best selection. Some auto insurance companies don’t offer online price quotes and most of the time these small, regional companies sell through independent agents.

Drivers change insurance companies for a number of reasons such as policy non-renewal, not issuing a premium refund, high rates after DUI convictions or even unfair underwriting practices. Whatever your reason, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

To read more, link through to the following helpful articles:

Rates by U.S. City

1997 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

1997 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

1997 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

1997 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

1997 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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