Volkswagen Jetta Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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.

Average auto insurance rates for a Volkswagen Jetta are $1,382 annually with full coverage. Comprehensive insurance costs around $284 a year, collision costs $524, and liability is $416. Liability-only coverage costs around $474 a year, with high-risk coverage costing $2,996 or more. Teenage drivers receive the highest rates at $5,192 a year or more.

Average premium for full coverage: $1,382

Rate estimates for individual coverage type:

Comprehensive $284
Collision $524
Liability $416

These estimates include $500 deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Jetta trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as cheap as $474 for basic liability insurance to a high of $2,996 for a policy for a high-risk driver.

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

Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population tend to have fewer collision claims than densely populated cities.

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

Rural Areas $1,037
Small Cities $1,451
Large Cities $1,866

These examples demonstrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of using average rates.

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

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

Rate Comparisons

The chart below details estimated Volkswagen Jetta insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $795
  • Raising to $1,000 deductibles will save about $1,198 annually
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,382
  • Using low $100 deductibles costs an additional $356 every year
  • At-risk drivers who are prone to accidents and violations could pay at least $2,996 or more
  • The cost with full coverage for a teen driver can be $5,192

View Chart as Image

Volkswagen Jetta insurance cost comparison chart
Column chart showing full coverage Volkswagen Jetta insurance prices range from $795 to $5,192

Car insurance rates for a Volkswagen Jetta can also vary considerably based on the trim level of your Jetta, your driving record, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $1,600 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $540 every year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Volkswagen Jetta insurance prices. A middle-age driver might find rates as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,870 on average in Florida, Michigan, and New York.

Volkswagen Jetta Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,250 -$132 -9.6%
Alaska $1,062 -$320 -23.2%
Arizona $1,148 -$234 -16.9%
Arkansas $1,382 -$0 0.0%
California $1,574 $192 13.9%
Colorado $1,322 -$60 -4.3%
Connecticut $1,422 $40 2.9%
Delaware $1,564 $182 13.2%
Florida $1,730 $348 25.2%
Georgia $1,276 -$106 -7.7%
Hawaii $992 -$390 -28.2%
Idaho $934 -$448 -32.4%
Illinois $1,030 -$352 -25.5%
Indiana $1,040 -$342 -24.7%
Iowa $934 -$448 -32.4%
Kansas $1,316 -$66 -4.8%
Kentucky $1,886 $504 36.5%
Louisiana $2,046 $664 48.0%
Maine $852 -$530 -38.4%
Maryland $1,140 -$242 -17.5%
Massachusetts $1,106 -$276 -20.0%
Michigan $2,402 $1,020 73.8%
Minnesota $1,156 -$226 -16.4%
Mississippi $1,656 $274 19.8%
Missouri $1,226 -$156 -11.3%
Montana $1,486 $104 7.5%
Nebraska $1,090 -$292 -21.1%
Nevada $1,656 $274 19.8%
New Hampshire $996 -$386 -27.9%
New Jersey $1,544 $162 11.7%
New Mexico $1,224 -$158 -11.4%
New York $1,458 $76 5.5%
North Carolina $798 -$584 -42.3%
North Dakota $1,130 -$252 -18.2%
Ohio $956 -$426 -30.8%
Oklahoma $1,420 $38 2.7%
Oregon $1,266 -$116 -8.4%
Pennsylvania $1,318 -$64 -4.6%
Rhode Island $1,842 $460 33.3%
South Carolina $1,252 -$130 -9.4%
South Dakota $1,168 -$214 -15.5%
Tennessee $1,210 -$172 -12.4%
Texas $1,666 $284 20.5%
Utah $1,024 -$358 -25.9%
Vermont $946 -$436 -31.5%
Virginia $828 -$554 -40.1%
Washington $1,070 -$312 -22.6%
West Virginia $1,266 -$116 -8.4%
Wisconsin $956 -$426 -30.8%
Wyoming $1,232 -$150 -10.9%

View Chart as Image

Volkswagen Jetta insurance rates by U.S. city

With so much variability in rates, the best way to find out your exact price is to get quotes and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Volkswagen Jetta Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volkswagen Jetta S 4-Dr Sedan $1,258 $105
Volkswagen Jetta LE 4-Dr Sedan $1,340 $112
Volkswagen Jetta S 2.5 Station Wagon $1,228 $102
Volkswagen Jetta SE 4-Dr Sedan $1,382 $115
Volkswagen Jetta 2.0T 4-Dr Sedan $1,422 $119
Volkswagen Jetta SE 2.5 Station Wagon $1,310 $109
Volkswagen Jetta SEL 4-Dr Sedan $1,422 $119
Volkswagen Jetta 2.0T Station Wagon $1,350 $113

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.

Volkswagen Jetta Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Volkswagen Jetta $284 $524 $416 $1,382
2019 Volkswagen Jetta $274 $502 $430 $1,364
2018 Volkswagen Jetta $260 $484 $442 $1,344
2017 Volkswagen Jetta $250 $450 $452 $1,310
2016 Volkswagen Jetta $240 $424 $456 $1,278
2015 Volkswagen Jetta $230 $380 $460 $1,228
2014 Volkswagen Jetta $214 $350 $460 $1,182
2013 Volkswagen Jetta $206 $328 $464 $1,156
2012 Volkswagen Jetta $202 $306 $474 $1,140
2011 Volkswagen Jetta $186 $284 $474 $1,102
2010 Volkswagen Jetta $182 $258 $478 $1,076
2009 Volkswagen Jetta $170 $236 $474 $1,038
2008 Volkswagen Jetta $160 $214 $474 $1,006
2007 Volkswagen Jetta $154 $192 $468 $972
2006 Volkswagen Jetta $152 $188 $460 $958
2004 Volkswagen Jetta $138 $170 $446 $912
2003 Volkswagen Jetta $132 $162 $442 $894

Rates are averaged for all Volkswagen Jetta models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Cheap Volkswagen Jetta Insurance

Saving money on car insurance consists of not taking risks behind the wheel, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around every year by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a brief summary of the coverage data illustrated above.

  • You may be able to save up to $170 per year simply by quoting early and online
  • Increasing deductibles could save up to $550 each year
  • Teens are the costliest to insure, with premiums as much as $433 per month if comprehensive and collision insurance is included
  • Higher risk drivers that tend to have accidents or serious violations may pay on average $1,610 more every year for Jetta insurance

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.

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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.

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.

Rates by Driver Age

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

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 $1,421
100/300 $1,509
250/500 $1,739
100 CSL $1,456
300 CSL $1,651
500 CSL $1,793

Full coverage, driver age 40

Rates for High Risk Drivers

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.

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