1. Vehicles
  2. Volkswagen
  3. Jetta
  4. 2002 Model Year

2002 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 ...

Full Bio →

Written by

UPDATED: Dec 3, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2002 Volkswagen Jetta are $912 a year for full coverage. Comprehensive costs an estimated $138, collision costs $170, and liability costs around $446. Buying a liability-only policy costs as low as $500 a year, with high-risk insurance costing around $1,958. Teenage drivers receive the highest rates at $3,736 a year or more.

Annual premium for full coverage: $912

Rate estimates for 2002 Volkswagen Jetta Insurance

Comprehensive $138
Collision $170
Liability $446

Rate data is compiled from all 50 U.S. states and averaged for all 2002 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 go from as low as $500 for just liability insurance to a much higher rate of $1,958 for high-risk insurance.

Liability Only $500
Full Coverage $912
High Risk $1,958

View Chart as Image

2002 Volkswagen Jetta insurance rates compared
Column chart showing 2002 Volkswagen Jetta insurance prices range from $563 to $3,736 for full coverage

These differences show why anyone shopping for car insurance should compare prices for a targeted area 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 2002 Volkswagen Jetta Insurance

Searching Companies

Comparing auto insurance rates online can be a challenge if you’re new to online quotes. Don’t let that stop you because we’re going to show you how.

Pricing the best insurance coverage can be fairly easy. Basically, anyone who has to buy insurance most likely will be able to cut their insurance bill. But consumers must understand the methods companies use to market insurance on the web.

Which Insurance Coverage is Cheapest?

To find the best insurance coverage prices, there are several ways of comparing rate quotes from different insurance companies. The easiest way by far to find the lowest 2002 Volkswagen Jetta rates is to get quotes online. It is quite easy and can be accomplished in several different ways.

The recommended way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This form saves time by eliminating boring form submissions to each individual insurance coverage company. In just a few minutes this one form gets you coverage quotes from several companies.It’s the quickest way to get rates.

It doesn’t matter which method you choose, just ensure you are comparing exactly the same coverages and limits with every price quote. If the quotes have higher or lower deductibles you will not be able to determine which rate is truly the best. Slightly different insurance coverages could mean much higher rates. It’s important to know that quoting more gives you a better chance of getting better pricing.

Cut your car insurance rates with discounts

Properly insuring your vehicles can get expensive, but you can get discounts to reduce the price significantly. Most are applied at the time of purchase, but a few need to be asked about before they will apply.

  • Accident Forgiveness – Certain companies permit an accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with a substantially lower rate.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% for Jetta insurance with select insurance companies.
  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Memberships – Affiliation with a qualifying organization is a good way to get lower rates on your policy for Jetta insurance.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can get savings up to 30%.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.

It’s important to note that most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, car insurance companies aren’t that generous. Any qualifying discounts will reduce the amount you have to pay.

You are unique and your auto insurance should be too

When it comes to choosing adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every situation is different.

These are some specific questions may help you determine whether or not you might need professional guidance.

  • Do I need medical payments coverage since I have good health insurance?
  • How much liability insurance is required?
  • Does coverage extend to Mexico or Canada?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does liability extend to a camper or trailer?
  • Will I be non-renewed for getting a DUI or other conviction?
  • When should I remove comp and collision on my 2002 Volkswagen Jetta?
  • Am I getting all the discounts available?
  • If my 2002 Volkswagen Jetta is totaled, can I afford another vehicle?
  • Why am I required to buy liability insurance?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form.

Volkswagen Jetta rates are in the details

Smart consumers have a good feel for the factors that come into play when calculating the price you pay for car insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that could result in lower car insurance prices.

  • A lapse in coverage is a bad thing – Driving with no insurance is illegal and your next policy will cost more because you let your insurance expire. And not only will insurance be more expensive, getting caught without coverage may earn you a revoked license or a big fine.
  • Do you have enough liability coverage? – The liability section of your policy provides coverage if you are found liable for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Low deductibles can be expensive – Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your Volkswagen from damage. A few examples of covered claims could be collision with another vehicle, vandalism, or theft. Your deductibles are the amount of money you are willing to pay in the event of a claim. The more expense you have to pay, the less your company will charge you for insurance for Jetta insurance.
  • Choose a safe vehicle and save – Safer cars tend to have better insurance rates. Safer cars reduce injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If the Volkswagen Jetta earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • High numbers of claims are not good – If you tend to file frequent claims, you can look forward to higher rates. Auto insurance companies award lower rates to insureds who file claims infrequently. Insurance coverage is meant to be used in the event of larger claims.
  • Do you work long hours in a high stress job? – Did you know that where you work can have an impact on rates? Occupations like judges, architects and stock brokers tend to have the highest rates because of high stress levels and lots of time spent at work. On the other hand, occupations such as pilots, students and homemakers receive lower rates for Jetta insurance.
  • Car features impact rates – Purchasing a vehicle with a theft deterrent system can help lower your rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.

Car insurance 101

Having a good grasp of your policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Auto liability insurance – Liability insurance provides protection from damage or injury you incur to other people or property in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like funeral expenses, repair costs for stationary objects and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coveragesCollision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, scraping a guard rail, rolling your car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, damage from flooding, a broken windshield and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance – Med pay and PIP coverage provide coverage for short-term medical expenses for things like surgery, hospital visits, pain medications and funeral costs. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Power to the consumer

As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced uninsured motorist or liability limits only to regret that they should have had better coverage. The aim is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Low-cost 2002 Volkswagen Jetta insurance is attainable from both online companies and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

You just learned some good ideas how to get a better price on insurance. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even find the lowest rates come from a lesser-known regional company.

To read more, feel free to visit the following helpful articles:

  • Frontal Crash Tests (iihs.org)
  • Rental Car Insurance Tips (Insurance Information Insitute)
  • Determing Auto Insurance Rates (GEICO)
  • Parking Tips to Reduce Door Dings (State Farm)
  • A Tree Fell on Your Car: Now What? (Allstate)
  • What is Covered by GAP Insurance? (Allstate)

Rates by U.S. City

2002 Volkswagen Jetta Insurance Rates by City
City Premium
New York City, NY $1,443
Los Angeles, CA $1,560
Philadelphia, PA $1,218
Jacksonville, FL $1,325
Phoenix, AZ $1,061
Chicago, IL $1,220
Houston, TX $1,430
Seattle, WA $890
Columbus, OH $762
Indianapolis, IN $775

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2002 Volkswagen Jetta Insurance Rates by Driver Age
Driver Age Premium
16 $3,736
20 $2,086
30 $922
40 $912
50 $840
60 $822

Full coverage, $500 deductibles

Rates by Deductible

2002 Volkswagen Jetta Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,044
$250 $984
$500 $912
$1,000 $840

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Jetta Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $912
50/100 $1,001
100/300 $1,113
250/500 $1,403
100 CSL $1,046
300 CSL $1,291
500 CSL $1,470

Full coverage, driver age 40

Rates for High Risk Drivers

2002 Volkswagen Jetta Insurance Rates for High Risk Drivers
Age Premium
16 $5,242
20 $3,322
30 $1,968
40 $1,958
50 $1,874
60 $1,856

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 $120

Potential Rate Discounts

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

Discount Savings
Multi-policy $45
Multi-vehicle $49
Homeowner $16
5-yr Accident Free $53
5-yr Claim Free $56
Paid in Full/EFT $31
Advance Quote $39
Online Quote $60
Total Discounts $349
Rate after discounts $563

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

Find companies with the cheapest rates in your area

2002 Volkswagen Jetta Insurance Rates by State
State Premium
Alabama $826
Alaska $700
Arizona $758
Arkansas $912
California $1,040
Colorado $870
Connecticut $938
Delaware $1,034
Florida $1,142
Georgia $842
Hawaii $654
Idaho $616
Illinois $678
Indiana $686
Iowa $614
Kansas $868
Kentucky $1,246
Louisiana $1,352
Maine $562
Maryland $752
Massachusetts $732
Michigan $1,586
Minnesota $762
Mississippi $1,094
Missouri $810
Montana $980
Nebraska $720
Nevada $1,094
New Hampshire $656
New Jersey $1,022
New Mexico $808
New York $962
North Carolina $526
North Dakota $748
Ohio $630
Oklahoma $936
Oregon $836
Pennsylvania $870
Rhode Island $1,216
South Carolina $826
South Dakota $770
Tennessee $798
Texas $1,100
Utah $676
Vermont $626
Virginia $546
Washington $706
West Virginia $836
Wisconsin $632
Wyoming $814

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles