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2018 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 19, 2019

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Average insurance rates for a 2018 Volkswagen Jetta are $1,382 a year for full coverage insurance. Comprehensive costs approximately $284, collision costs $524, and liability costs around $416. Buying a liability-only policy costs as low as $474 a year, with high-risk insurance costing around $2,996. Teen drivers receive the highest rates at $5,192 a year or more.

Annual premium for full coverage: $1,382

Rate estimates for 2018 Volkswagen Jetta Insurance

Comprehensive $284
Collision $524
Liability $416

Rate data is compiled from all 50 U.S. states and averaged for all 2018 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 go from as low as $474 for a discount liability-only rate to a much higher rate of $2,996 for a driver that may need high-risk insurance.

Liability Only $474
Full Coverage $1,382
High Risk $2,996

View Chart as Image

2018 Volkswagen Jetta insurance rates compared
Column chart showing 2018 Volkswagen Jetta insurance prices range from $795 to $5,192 for full coverage

These differences illustrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of making a decision based on price averages.

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 2018 Volkswagen Jetta Insurance

Searching Companies

Looking for cheaper insurance rates for your Volkswagen Jetta? No one in their right mind loves paying for insurance, particularly when they could find lower prices if they just compared rates.

There is such a variety of insurers to buy insurance from, and even though it’s nice to have multiple companies, it makes it harder to find the best rates for your vehicles.

It’s smart to compare prices before your next renewal because insurance rates go up and down regularly. Despite the fact that you may have had the best rate for Jetta coverage at your last renewal you may be paying too much now. You’ll find a ton of advice on insurance online but in a few minutes you can learn some of the best ways to quit paying high insurance rates.

Insurance quotes comparison

Comparing insurance rates can be challenging if you don’t know the easiest way. You could spend your day talking to local insurance agents in your area, or you can stay home and use the web to get rates in a matter of minutes.

Many of the larger companies enroll in a system that allows shoppers to enter their policy data once, and every company can give them a price for coverage. This system prevents you from having to do quote requests to each individual insurance company.

To use this form to compare rates click to open in new window.

The only drawback to doing it this way is you are unable to specify the providers you will receive quotes from. If you wish to select specific insurance companies for rate comparison, we put together a list of companies who write insurance in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but be certain you are entering apples-to-apples coverage information for every quote you compare. If you use different data you can’t possibly make a fair rate comparison. Quoting even small variations in coverage limits can make a big difference in price. It’s important to know that comparing more company’s prices will enable you to find more affordable insurance. Some smaller insurers to not give quotes online, so you should also compare prices from the smaller companies as well.

Will you really save $388 on insurance coverage?

Big name companies like Allstate, GEICO and Progressive seem to constantly run ads on TV and radio. They all seem to advertise claims that you can save after switching to their company. How does every company give you a lower rate? It’s all in the numbers.

Different companies have a certain “appetite” for a prospective insured that makes them money. For instance, this type of driver might be described as over the age of 40, carries high limits, and has great credit. Anybody that matches those criteria will probably get the lowest car insurance rates and most likely will pay quite a bit less when switching companies.

Potential insureds who don’t meet those criteria must pay a higher premium which results in the customer not buying. The wording the ads use say “customers that switch” not “everyone who quotes” will save that much if they switch. That is how insurance companies can confidently make claims that they all have the best car insurance rates.

Different companies use different criteria so drivers should compare as many free auto insurance quotes as you can. It is impossible to predict which insurance companies will have the lowest rates.

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These discounts can reduce auto insurance rates

Companies offering auto insurance don’t always publicize all their discounts in an easy-to-find place, so the list below contains some of the best known and also the more inconspicuous credits available to lower your premiums when you buy auto insurance online.

  • First Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies will turn a blind eye to one accident without raising rates so long as you are claim-free for a certain period of time.
  • Active Military Service – Being deployed with a military unit could qualify you for better rates.
  • College Student Discount – Children who attend college more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft so companies will give you a small discount.
  • Anti-lock Brake System – Cars equipped with ABS or steering control are much safer to drive and earn discounts up to 10%.

As a sidenote, some credits don’t apply to the overall cost of the policy. Most cut the cost of specific coverages such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

To view insurance companies with significant discounts, follow this link.

When do I need an agent’s advice?

When it comes to buying the best car insurance coverage for your vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions can aid in determining if your situation would benefit from an agent’s advice.

  • Where can I get insurance after a DUI in my state?
  • Why am I required to get a high-risk car insurance policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What can I do if my company won’t pay a claim?
  • When should my teen driver be added to my policy?
  • Is my teen driver covered when they drive my company car?
  • What if I total my 2018 Volkswagen Jetta and owe more than it’s worth?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Specific coverage details

Understanding the coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from a tornado or hurricane, vandalism, hitting a bird, damage from flooding and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like backing into a parked car, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Volkswagen Jetta.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are identical to your policy’s liability coverage.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills for EMT expenses, chiropractic care, surgery and funeral costs. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto liability

Liability insurance can cover damages or injuries you inflict on people or other property. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims such as court costs, legal defense fees, pain and suffering, emergency aid and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Cheaper insurance is a realistic goal

When getting auto insurance quotes online, it’s not a good idea to reduce needed coverages to save money. There have been many cases where drivers have reduced liability limits or collision coverage only to regret at claim time that they should have had better coverage. The proper strategy is to get the best coverage possible at the best price, but don’t skip important coverages to save money.

Cheap 2018 Volkswagen Jetta insurance can be purchased online in addition to local insurance agencies, and you should compare rates from both in order to have the best chance of saving money. Some companies don’t offer online rate quotes and most of the time these smaller providers only sell coverage through independent agents.

Use our FREE quote tool to compare insurance rates now!

Additional detailed information is available in these articles:

Rates by U.S. City

2018 Volkswagen Jetta Insurance Rates by City
City Premium
New York City, NY $2,187
Los Angeles, CA $2,361
Philadelphia, PA $1,845
Jacksonville, FL $2,007
Phoenix, AZ $1,607
Chicago, IL $1,854
Houston, TX $2,166
Seattle, WA $1,348
Columbus, OH $1,157
Indianapolis, IN $1,175

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2018 Volkswagen Jetta Insurance Rates by Driver Age
Driver Age Premium
16 $5,192
20 $3,198
30 $1,440
40 $1,382
50 $1,264
60 $1,240

Full coverage, $500 deductibles

Rates by Deductible

2018 Volkswagen Jetta Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,738
$250 $1,574
$500 $1,382
$1,000 $1,198

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Jetta Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,382
50/100 $1,465
100/300 $1,569
250/500 $1,840
100 CSL $1,507
300 CSL $1,736
500 CSL $1,902

Full coverage, driver age 40

Rates for High Risk Drivers

2018 Volkswagen Jetta Insurance Rates for High Risk Drivers
Age Premium
16 $7,402
20 $5,090
30 $3,060
40 $2,996
50 $2,860
60 $2,834

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 $193

Potential Rate Discounts

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

Discount Savings
Multi-policy $73
Multi-vehicle $73
Homeowner $21
5-yr Accident Free $102
5-yr Claim Free $89
Paid in Full/EFT $63
Advance Quote $68
Online Quote $98
Total Discounts $587
Rate after discounts $795

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

Find companies with the cheapest rates in your area

2018 Volkswagen Jetta Insurance Rates by State
State Premium
Alabama $1,250
Alaska $1,062
Arizona $1,148
Arkansas $1,382
California $1,574
Colorado $1,322
Connecticut $1,422
Delaware $1,564
Florida $1,730
Georgia $1,276
Hawaii $992
Idaho $934
Illinois $1,030
Indiana $1,040
Iowa $934
Kansas $1,316
Kentucky $1,886
Louisiana $2,046
Maine $852
Maryland $1,140
Massachusetts $1,106
Michigan $2,402
Minnesota $1,156
Mississippi $1,656
Missouri $1,226
Montana $1,486
Nebraska $1,090
Nevada $1,656
New Hampshire $996
New Jersey $1,544
New Mexico $1,224
New York $1,458
North Carolina $798
North Dakota $1,130
Ohio $956
Oklahoma $1,420
Oregon $1,266
Pennsylvania $1,318
Rhode Island $1,842
South Carolina $1,252
South Dakota $1,168
Tennessee $1,210
Texas $1,666
Utah $1,024
Vermont $946
Virginia $828
Washington $1,070
West Virginia $1,266
Wisconsin $956
Wyoming $1,232

Free Auto Insurance Comparison

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