Volkswagen Jetta Insurance Rates

How much is insurance for a Volkswagen Jetta? The average cost to insure a Volkswagen Jetta is $117 per month or $1,414 annually. Many factors impact your Volkswagen insurance rates. For example, the age of your Jetta model can cause your premiums to increase or decrease. The 2011 Volkswagen Jetta insurance rates will be lower than the 2016 Volkswagen Jetta insurance costs.

Your individual demographics will also impact the car insurance rates you receive for your Volkswagen Jetta. Experienced drivers with clean driving records usually secure the cheapest average insurance rates. 

Whether your VW Jetta is old or new, read through our comprehensive guide to learn how to secure cheap car insurance rates for your Volkswagen. No matter your age or driving record, qualifying for discounts and comparison shopping can help every driver save money on insurance premiums. 

To start comparison shopping for Volkswagen insurance rates, enter your ZIP code in our free tool to get affordable Volkswagen quotes.

The average insurance rates for a Volkswagen Jetta are $1,364 a year with full coverage. Comprehensive insurance costs on average $274 a year, collision costs $502, and liability coverage is estimated at $430. A liability-only policy costs approximately $486 a year, with high-risk insurance costing $2,956 or more. Teenage drivers cost the most to insure at $5,156 a year or more.

Average premium for full coverage: $1,364

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Jetta trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates how your location can change car insurance rates.

The examples above demonstrate why it is important to get quotes based on a specific location and risk profile, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below details estimated Volkswagen Jetta insurance rates for different risk profiles and scenarios.

• The best discount rate is $788
• Choosing higher $1,000 deductibles can save around $1,188 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,364
• Using low $100 deductibles for comp and collision coverage will cost an extra $342 each year
• Drivers who are prone to accidents and violations could pay upwards of $2,956 or more
• Policy cost for full coverage for a teenage driver may cost $5,156 each year

View Chart as Image

Car insurance rates for a Volkswagen Jetta also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $5,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Volkswagen Jetta insurance rates. A good driver about age 40 could pay as low as $980 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,840 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $520 a year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 131% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find More Affordable Volkswagen Jetta Insurance

Finding cheaper rates on auto insurance takes being safe and accident-free, having above-average credit, not filing small claims, and maximizing policy discounts. Invest the time to shop around at least every other year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below you'll find a summary of the car insurance concepts illustrated above.

• Drivers who have multiple accidents or major violations may be required to pay an average of $1,590 more each year than a low-risk driver
• You may be able to save as much as $160 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $525 each year
• Consumers who require more liability protection will pay an extra $470 every year to raise limits from a 30/60 limit to 250/500 limits

Shopping around for VW Jetta insurance rates is the best way to find a cheap Volkswagen Jetta insurance cost at a VW Jetta insurance group. Whether you want to know how much is a Volkswagen Jetta S or how much does a 2017 Volkswagen Jetta cost to insure, getting quotes will make sure you get the best price possible.

So how much does a VW Jetta cost to insure based on your driving record and insurance needs? Enter your ZIP code in our free quote tool below to get started on finding the best Volkswagen Jetta rates.

What are the safety ratings for the Volkswagen Jetta?

The Volkswagen Jetta safety ratings and features can have a major impact on your insurance rates. The Volkswagen Jetta’s safety features include a complete airbag system, brake assist, traction control, blind-spot monitor, cross-traffic alert, and more. 

Keep in mind that an old Jetta car may not be equipped with cameras. Therefore, higher-tech versions of this car, like the 2015 VW Jetta costs for insurance, may be lower than older 2007 models that are not as technologically advanced.

Check out the safety ratings for the 2020 Volkswagen Jetta below. 

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

A rating of ‘Good’ is the highest possible score given by the Insurance Institute for Highway Safety.

While some of the safety ratings are fantastic and definitely help make the Jetta cheaper to insure, unfortunately, the headlights for the 2020 model received ratings of only marginal and poor, depending on the trim. 

We recommend you make sure to check the safety ratings for your specific year and model of VW Jetta. A Volkswagen Jetta that is older, like the 2008 Jetta safety ratings, might be slightly different than the safety ratings for a Jetta CSL.

Remember that worse safety ratings will likely lead to higher car insurance rates. 

Volkswagen Jetta Compared Against other Vehicles in the Same Class

Comparing the Volkswagen Jetta to similar vehicles can help you save money, especially if the Volkswagen Jetta has a better loss ratio than other vehicles in its class.

Officially, the Insurance Institute for Highway Safety classifies the Volkswagen Jetta as a midsize sedan.

Check out other comparable midsize sedans below.

• Chevrolet Malibu insurance rates
• Subaru Legacy insurance rates
• Toyota Camry insurance rates

Unfortunately, the VW Jetta has poor liability insurance losses in comparison to other midsize cars, which does mean higher average insurance premiums. 

The Jetta has worse than average property damage and personal injury loss ratios at 26 percent and 24 percent respectively. It also received substantially worse than average medical payment and bodily injury loss ratios at 33 percent and 41 percent respectively. 

The maintenance costs on a Jetta are also often pricier than average, which will impact your insurance rates. For example, the VW Jetta TDI cost to own is around $100 higher annually than average compared to other sedans. 

Despite a few negatives, you now know why a Jetta is cheap to insure. Not only does this classic VW sedan have great safety ratings but it also has additional safety features that can be included to make for a better driving experience.

The lower premiums make it a good option for new drivers. The average insurance price for 16-year-old drivers is often much higher than average, but a safe and reliable car like the Jetta can help mitigate those increases. Consider finding a Volkswagen Jetta that is older for your teen driver. 

Ready to find out how much is a Volkswagen Jetta to insure in your area? Whether you are shopping for a Volkswagen Jetta 2014 model or a 2020 model, enter your ZIP code in our free tool to find the cheapest rates.