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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: Apr 9, 2020

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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.

The average auto insurance rates for a Volkswagen Jetta are $1,396 annually for full coverage. Comprehensive insurance costs an estimated $306, collision insurance costs $542, and liability costs around $390. Liability-only coverage costs as low as $452 a year, and high-risk coverage costs $3,014 or more. 16-year-old drivers cost the most to insure at up to $5,168 a year.

Average premium for full coverage: $1,396

Policy rates broken down by type of insurance:

Comprehensive $306
Collision $542
Liability $390

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different Jetta trim levels.

Price Range Variability

For a 40-year-old driver, Volkswagen Jetta insurance rates range from as cheap as $452 for a discount liability-only rate to a much higher rate of $3,014 for high-risk insurance.

Liability Only $452
Full Coverage $1,396
High Risk $3,014

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. More rural locations are shown to have fewer accident claims than congested cities. The price range example below illustrates how your location can change insurance prices.

Rural Areas $1,047
Small Cities $1,466
Large Cities $1,885

The examples above show why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of 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.

Rates by State, City, and Model

The chart below shows average Volkswagen Jetta insurance rates for other coverage scenarios.

  • The best full coverage rate is $805
  • Using higher $1,000 deductibles will save approximately $192 a year
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,396
  • Buying more expensive low deductibles for physical damage coverage costs an additional $372 every year
  • Drivers with multiple tickets or accidents could pay up to $3,014
  • Policy cost with full coverage for a teen driver with full coverage can cost as much as $5,168 or more

View Chart as Image

Volkswagen Jetta insurance cost comparison chart
Column chart showing Volkswagen Jetta insurance prices range from $805 to $5,168 for full coverage

Insurance rates for a Volkswagen Jetta also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,600 to $2,300 additional every year, depending on your age. High-risk driver insurance can be as much as 45% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $570 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $299 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Volkswagen Jetta insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Iowa, Maine, and Idaho, or at least $1,990 on average in New York, Louisiana, and Michigan.

Volkswagen Jetta Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,262 -$134 -9.6%
Alaska $1,070 -$326 -23.4%
Arizona $1,158 -$238 -17.0%
Arkansas $1,396 -$0 0.0%
California $1,590 $194 13.9%
Colorado $1,332 -$64 -4.6%
Connecticut $1,436 $40 2.9%
Delaware $1,580 $184 13.2%
Florida $1,748 $352 25.2%
Georgia $1,290 -$106 -7.6%
Hawaii $1,002 -$394 -28.2%
Idaho $944 -$452 -32.4%
Illinois $1,040 -$356 -25.5%
Indiana $1,052 -$344 -24.6%
Iowa $944 -$452 -32.4%
Kansas $1,328 -$68 -4.9%
Kentucky $1,904 $508 36.4%
Louisiana $2,068 $672 48.1%
Maine $862 -$534 -38.3%
Maryland $1,152 -$244 -17.5%
Massachusetts $1,118 -$278 -19.9%
Michigan $2,426 $1,030 73.8%
Minnesota $1,166 -$230 -16.5%
Mississippi $1,672 $276 19.8%
Missouri $1,238 -$158 -11.3%
Montana $1,500 $104 7.4%
Nebraska $1,102 -$294 -21.1%
Nevada $1,674 $278 19.9%
New Hampshire $1,004 -$392 -28.1%
New Jersey $1,560 $164 11.7%
New Mexico $1,238 -$158 -11.3%
New York $1,470 $74 5.3%
North Carolina $804 -$592 -42.4%
North Dakota $1,142 -$254 -18.2%
Ohio $966 -$430 -30.8%
Oklahoma $1,434 $38 2.7%
Oregon $1,278 -$118 -8.5%
Pennsylvania $1,332 -$64 -4.6%
Rhode Island $1,862 $466 33.4%
South Carolina $1,266 -$130 -9.3%
South Dakota $1,176 -$220 -15.8%
Tennessee $1,224 -$172 -12.3%
Texas $1,684 $288 20.6%
Utah $1,032 -$364 -26.1%
Vermont $956 -$440 -31.5%
Virginia $836 -$560 -40.1%
Washington $1,078 -$318 -22.8%
West Virginia $1,280 -$116 -8.3%
Wisconsin $966 -$430 -30.8%
Wyoming $1,246 -$150 -10.7%

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 $1,268 $106
Volkswagen Jetta LE 4-Dr Sedan $1,354 $113
Volkswagen Jetta S 2.5 Station Wagon $1,244 $104
Volkswagen Jetta SE 4-Dr Sedan $1,396 $116
Volkswagen Jetta 2.0T 4-Dr Sedan $1,438 $120
Volkswagen Jetta SE 2.5 Station Wagon $1,330 $111
Volkswagen Jetta SEL 4-Dr Sedan $1,438 $120
Volkswagen Jetta 2.0T Station Wagon $1,370 $114

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 $306 $542 $390 $1,396
2019 Volkswagen Jetta $294 $536 $398 $1,386
2018 Volkswagen Jetta $284 $524 $416 $1,382
2017 Volkswagen Jetta $274 $502 $430 $1,364
2016 Volkswagen Jetta $260 $484 $442 $1,344
2015 Volkswagen Jetta $250 $450 $452 $1,310
2014 Volkswagen Jetta $240 $424 $456 $1,278
2013 Volkswagen Jetta $230 $380 $460 $1,228
2012 Volkswagen Jetta $214 $350 $460 $1,182
2011 Volkswagen Jetta $206 $328 $464 $1,156
2010 Volkswagen Jetta $202 $306 $474 $1,140
2009 Volkswagen Jetta $186 $284 $474 $1,102
2008 Volkswagen Jetta $182 $258 $478 $1,076
2007 Volkswagen Jetta $170 $236 $474 $1,038
2006 Volkswagen Jetta $160 $214 $474 $1,006
2005 Volkswagen Jetta $154 $192 $468 $972
2004 Volkswagen Jetta $152 $188 $460 $958
2003 Volkswagen Jetta $150 $178 $452 $938
2002 Volkswagen Jetta $138 $170 $446 $912
2001 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 More Affordable Volkswagen Jetta Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a summary of the material that was illustrated above.

  • Policyholders who want higher liability limits will pay around $430 each year to increase from a 30/60 limit to higher 250/500 limits
  • Teenagers are expensive to insure, costing up to $431 each month if they have full coverage
  • Higher risk drivers who have multiple accidents or major violations may pay on average $1,620 more annually for car insurance
  • Increasing comprehensive and collision deductibles could save up to $575 each year

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 $5,168
20 $3,214
30 $1,456
40 $1,396
50 $1,274
60 $1,250

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Jetta Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,768
$250 $1,596
$500 $1,396
$1,000 $1,204

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Jetta Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,396
50/100 $1,436
100/300 $1,519
250/500 $1,735
100 CSL $1,470
300 CSL $1,652
500 CSL $1,785

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Jetta Insurance Rates for High Risk Drivers
Age Premium
16 $7,376
20 $5,110
30 $3,080
40 $3,014
50 $2,874
60 $2,848

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 $74
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $103
5-yr Claim Free $90
Paid in Full/EFT $64
Advance Quote $69
Online Quote $99
Total Discounts $591
Rate after discounts $805

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

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