Volkswagen Jetta Insurance Rates
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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:
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.
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.
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
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Insurance Rates by Trim Level and Model Year
|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.
|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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$103|
|5-yr Claim Free||$90|
|Paid in Full/EFT||$64|
Discounts are estimated and may not be available from every company or in every state.