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 27, 2022

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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.

Estimated auto insurance rates for a Volkswagen Jetta are $1,382 annually for full coverage. Comprehensive costs around $284 a year, collision insurance costs $524, and liability coverage costs $416. A liability-only policy costs as little as $474 a year, and high-risk insurance costs around $2,996. 16-year-old drivers pay the most at up to $5,192 a year.

Average premium for full coverage: $1,382

Premium estimates for type of coverage:

Comprehensive $284
Collision $524
Liability $416

Rates are based on $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Jetta trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Volkswagen Jetta range 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

Insurance Price Range by Location

Your location has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

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

These rate differences show why it is important to compare rates for a specific zip code and their own personal driving habits, rather than using rate averages.

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 shows average Volkswagen Jetta insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $795
  • Drivers who choose higher $1,000 deductibles will pay about $1,198 a year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,382
  • Buying low $100 deductibles for comprehensive and collision insurance will cost $1,738
  • High-risk insureds with multiple tickets or accidents could pay at least $2,996
  • An auto insurance policy with full coverage for a teenage driver can be $5,192 a year

View Chart as Image

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

Auto insurance prices for a Volkswagen Jetta also have a wide range based on the model of your Jetta, your driver profile, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay as much as $5,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,600 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost around 44% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $540 a year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $318 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Volkswagen Jetta insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Idaho, Maine, and Iowa, or at least $1,970 on average in Michigan, Louisiana, 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

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 the Best Cheap Volkswagen Jetta Insurance

Finding better rates on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around every year by requesting rates from direct carriers, and also from local independent and exclusive agents.

Below is a quick review of the coverage data raised in the charts and tables above.

  • Drivers can save up to $170 per year just by quoting early and online
  • Increasing policy deductibles could save up to $550 each year
  • Teenage drivers are expensive to insure, as much as $433 per month if full coverage is included
  • Drivers with a DUI or reckless driving violation pay an average of $1,610 more every year for auto 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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