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2008 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: Dec 2, 2021

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Average insurance rates for a 2008 Volkswagen Jetta are $1,076 a year with full coverage. Comprehensive costs an estimated $182, collision insurance costs $258, and liability insurance costs around $478. Buying a liability-only policy costs as low as $526 a year, and high-risk insurance costs around $2,318. Teenage drivers receive the highest rates at up to $4,288 a year.

Annual premium for full coverage: $1,076

Rate estimates for 2008 Volkswagen Jetta Insurance

Comprehensive $182
Collision $258
Liability $478

Rate data is compiled from all 50 U.S. states and averaged for all 2008 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 driver in their 40's, prices range range from as low as $526 for just liability coverage to the much higher price of $2,318 for a driver who has had serious violations or accidents.

Liability Only $526
Full Coverage $1,076
High Risk $2,318

View Chart as Image

2008 Volkswagen Jetta insurance rates compared
Column chart showing 2008 Volkswagen Jetta insurance prices range from $647 to $4,288 for full coverage

These differences demonstrate why everyone should compare prices for a targeted area and risk profile, rather than relying 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 2008 Volkswagen Jetta Insurance

Searching Companies

Perplexed by the sheer number of insurance coverage options? Lot’s of other consumers are too. You have so many companies to choose from that it can easily become a real hassle to compare prices.

Consumers should take time to do rate comparisons occasionally since rates go up and down regularly. Just because you had the best price on Jetta coverage a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to one of the best ways to buy cheaper insurance coverage.

Finding the best rates is easy if you know what you’re doing. Just about every driver who is shopping for auto insurance will be able to cut their insurance bill. Nevertheless, drivers do need to know the way insurance companies price online insurance and apply this information to your search.

Comprehensive Insurance Comparison Quotes

Effectively comparing insurance prices can be a lot of work if you aren’t aware of the most efficient way. You can waste hours talking to insurance agencies in your area, or you could save time and use online quoting to get pricing more quickly.

Most major companies belong to an insurance system where insurance shoppers complete one form, and at least one company then gives them pricing determined by their information. This eliminates the need for repetitive form submissions to each company.

To find out what other companies charge for 2008 Volkswagen Jetta insurance click here to start a free quote.

The only drawback to getting quotes like this is buyers cannot specifically choose the companies you will receive quotes from.

It’s up to you which method you use, but be sure to compare exactly the same coverages and limits for every quote you compare. If each company quotes different values for each quote it’s impossible to determine the best price for your Volkswagen Jetta. Having just a slight variation in coverage limits could mean much higher rates. It’s important to know that more quotes gives you a better chance of getting a better price.

Discounts on 2008 Volkswagen Jetta insurance

Companies offering auto insurance do not list every discount very well, so here is a list both well-publicized and also the lesser-known discounts you could be receiving.

  • Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • One Accident Forgiven – Some insurance companies permit an accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Seat Belt Usage – Requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
  • Early Switch Discount – Some companies give discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Life Insurance – Larger companies have a discount if you purchase a life insurance policy as well.
  • Sign Online – A few companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Resident Student – Youth drivers living away from home attending college without a vehicle on campus can receive lower rates.

It’s important to understand that some of the credits will not apply to the entire cost. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because you may think you could get a free car insurance policy, it doesn’t quite work that way.

Companies that may have these discounts may include but are not limited to:

  • State Farm
  • American Family
  • GEICO
  • 21st Century
  • Progressive

Before buying, ask each company which discounts they offer. Discounts may not be available everywhere.

Volkswagen Jetta rates are in the details

Consumers need to have an understanding of the rating factors that go into determining auto insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with big savings.

  • Do you need those extra coverages? – There are a lot of extra bells and whistles that can waste your money on your auto insurance policy. Things like rental car reimbursement, accident forgiveness and motor club memberships may be costing you every month. These may sound like a good investment at first, but if you don’t need them remove them from your policy.
  • Pay less if you’re married – Having a spouse can get you a discount when buying auto insurance. Marriage means you’re more responsible it has been statistically shown that drivers who are married are more cautious.
  • High deductibles save money – Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your Volkswagen from damage. Some instances where coverage would apply could be colliding with a building, damage caused by hail, and burglary. Your deductibles are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The more you are required to pay out-of-pocket, the less your auto insurance will be on Jetta coverage.
  • Keep rates low by being claim-free – Car insurance companies provide lower rates to insureds who do not rely on their insurance for small claims. If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Older drivers pay less – More mature drivers are more responsible, file fewer claims and receive fewer citations. Teenage drivers have a tendency to get distracted easily when driving therefore auto insurance rates are much higher.
  • Don’t let your coverage lapse – Driving without insurance is against the law and you will pay a penalty because you let your insurance lapse. Not only will rates go up, but being ticketed for driving with no insurance can result in a steep fine or even jail time.Then you may be required to prove you have insurance by filing a SR-22 with your state DMV.

Tailor your coverage to you

When buying coverage for your vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining if your situation would benefit from professional advice.

  • Is business equipment covered while in my vehicle?
  • Should I have combined single limit or split liability limits?
  • If my 2008 Volkswagen Jetta is totaled, can I afford another vehicle?
  • Is a fancy paint job covered?
  • Is my Volkswagen Jetta covered if I use it for business?
  • When should I remove comp and collision on my 2008 Volkswagen Jetta?
  • Is motorclub coverage worth it?
  • Who is covered by my policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered when driving on a suspended license?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form.

Don’t be fooled by advertising claims

Companies like Progressive, Allstate and GEICO consistently run ads on television and other media. All the ads say the same thing that you can save if you change to their company. How can each company make almost identical claims? It’s all in the numbers.

Different companies have a certain “appetite” for the type of driver that earns them a profit. For example, a desirable insured might be profiled as a mature driver, has no tickets, and has a short commute. A driver who matches those parameters will get the preferred rates and as a result will probably pay quite a bit less when switching companies.

Drivers who don’t qualify for the requirements will have to pay higher prices which leads to business not being written. The ads say “customers who switch” not “everybody who quotes” save money. That’s the way companies can truthfully advertise the way they do. Because of the profiling, it is so important to compare as many rates as you can. It’s just too difficult to predict which company will have the lowest Volkswagen Jetta insurance rates.

Car insurance coverage specifics

Understanding the coverages of your car insurance policy can help you determine the right coverages for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive protection

This coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hail damage, fire damage, hitting a deer and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability auto insurance

Liability coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU against other people’s claims. Liability 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 policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as court costs, legal defense fees, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as ambulance fees, doctor visits, hospital visits and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 2008 Volkswagen Jetta.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for collisions

This will pay to fix damage to your Jetta resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, rolling your car, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Buy online or local, you save

Budget-conscious 2008 Volkswagen Jetta insurance can be sourced from both online companies and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide online price quotes and these smaller companies work with independent agents.

Throughout this article, we presented many ideas to reduce insurance prices online. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. Drivers may discover the best prices are with a small local company.

As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced physical damage coverage and learned later they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage at an affordable rate while still protecting your assets.

For more information, link through to the resources below:

Rates by U.S. City

2008 Volkswagen Jetta Insurance Rates by City
City Premium
New York City, NY $1,698
Los Angeles, CA $1,839
Philadelphia, PA $1,439
Jacksonville, FL $1,561
Phoenix, AZ $1,252
Chicago, IL $1,444
Houston, TX $1,687
Seattle, WA $1,046
Columbus, OH $900
Indianapolis, IN $915

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2008 Volkswagen Jetta Insurance Rates by Driver Age
Driver Age Premium
16 $4,288
20 $2,462
30 $1,098
40 $1,076
50 $988
60 $966

Full coverage, $500 deductibles

Rates by Deductible

2008 Volkswagen Jetta Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,266
$250 $1,180
$500 $1,076
$1,000 $974

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Jetta Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,076
50/100 $1,172
100/300 $1,291
250/500 $1,602
100 CSL $1,219
300 CSL $1,482
500 CSL $1,674

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Volkswagen Jetta Insurance Rates for High Risk Drivers
Age Premium
16 $6,056
20 $3,928
30 $2,342
40 $2,318
50 $2,216
60 $2,194

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 $146

Potential Rate Discounts

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

Discount Savings
Multi-policy $55
Multi-vehicle $58
Homeowner $19
5-yr Accident Free $68
5-yr Claim Free $68
Paid in Full/EFT $40
Advance Quote $48
Online Quote $73
Total Discounts $429
Rate after discounts $647

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

Find companies with the cheapest rates in your area

2008 Volkswagen Jetta Insurance Rates by State
State Premium
Alabama $972
Alaska $826
Arizona $894
Arkansas $1,076
California $1,226
Colorado $1,028
Connecticut $1,104
Delaware $1,218
Florida $1,346
Georgia $992
Hawaii $770
Idaho $728
Illinois $802
Indiana $810
Iowa $724
Kansas $1,022
Kentucky $1,468
Louisiana $1,592
Maine $662
Maryland $886
Massachusetts $862
Michigan $1,870
Minnesota $900
Mississippi $1,288
Missouri $954
Montana $1,156
Nebraska $848
Nevada $1,288
New Hampshire $776
New Jersey $1,204
New Mexico $952
New York $1,132
North Carolina $618
North Dakota $878
Ohio $744
Oklahoma $1,104
Oregon $984
Pennsylvania $1,028
Rhode Island $1,434
South Carolina $974
South Dakota $908
Tennessee $944
Texas $1,298
Utah $796
Vermont $736
Virginia $644
Washington $830
West Virginia $984
Wisconsin $744
Wyoming $960

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