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Volkswagen Jetta Insurance Rates

Volkswagen Jetta insurance

The average auto insurance rates for a Volkswagen Jetta are $1,346 annually for full coverage. Comprehensive insurance costs an estimated $306, collision insurance costs $534, and liability costs around $354. Liability-only coverage costs as low as $416 a year, and high-risk coverage costs $2,898 or more. 16-year-old drivers cost the most to insure at up to $4,934 a year.

Average premium for full coverage: $1,346

Policy rates broken down by type of insurance:

Comprehensive $306
Collision $534
Liability $354

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 $416 for a discount liability-only rate to a much higher rate of $2,898 for high-risk insurance.

Liability Only $416
Full Coverage $1,346
High Risk $2,898

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 $1,010
Small Cities $1,413
Large Cities $1,817

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.

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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 $774
  • 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 $1,346
  • Buying more expensive low deductibles for physical damage coverage costs an additional $368 every year
  • Drivers with multiple tickets or accidents could pay up to $2,898
  • Policy cost with full coverage for a teen driver with full coverage can cost as much as $4,934 or more

View Chart as Image

Volkswagen Jetta insurance cost comparison chart
Column chart showing Volkswagen Jetta insurance prices range from $774 to $4,934 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 $4,900 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 $2,200 additional every year, depending on your age. High-risk driver insurance can be as much as 45% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $560 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 $270 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 $960 a year in states like Iowa, Maine, and Idaho, or at least $2,140 on average in New York, Louisiana, and Michigan.

Volkswagen Jetta Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,292-$54-4.0%
Alaska$1,102-$244-18.1%
Arizona$1,348$20.1%
Arkansas$1,362$161.2%
California$1,510$16412.2%
Colorado$1,398$523.9%
Connecticut$1,760$41430.8%
Delaware$1,636$29021.5%
Florida$1,816$47034.9%
Georgia$1,332-$14-1.0%
Hawaii$1,452$1067.9%
Idaho$934-$412-30.6%
Illinois$998-$348-25.9%
Indiana$958-$388-28.8%
Iowa$1,012-$334-24.8%
Kansas$1,236-$110-8.2%
Kentucky$1,742$39629.4%
Louisiana$2,180$83462.0%
Maine$922-$424-31.5%
Maryland$1,382$362.7%
Massachusetts$1,186-$160-11.9%
Michigan$2,472$1,12683.7%
Minnesota$1,180-$166-12.3%
Mississippi$1,318-$28-2.1%
Missouri$1,146-$200-14.9%
Montana$1,218-$128-9.5%
Nebraska$1,108-$238-17.7%
Nevada$1,734$38828.8%
New Hampshire$1,096-$250-18.6%
New Jersey$1,338-$8-0.6%
New Mexico$1,248-$98-7.3%
New York$1,750$40430.0%
North Carolina$956-$390-29.0%
North Dakota$1,308-$38-2.8%
Ohio$948-$398-29.6%
Oklahoma$1,634$28821.4%
Oregon$1,258-$88-6.5%
Pennsylvania$1,514$16812.5%
Rhode Island$1,630$28421.1%
South Carolina$1,252-$94-7.0%
South Dakota$1,054-$292-21.7%
Tennessee$1,208-$138-10.3%
Texas$1,292-$54-4.0%
Utah$1,192-$154-11.4%
Vermont$956-$390-29.0%
Virginia$966-$380-28.2%
Washington$1,186-$160-11.9%
West Virginia$1,368$221.6%
Wisconsin$1,372$261.9%
Wyoming$1,488$14210.5%

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 TrimAnnual PremiumMonthly Premium
Volkswagen Jetta S 4-Dr Sedan$1,218$102
Volkswagen Jetta LE 4-Dr Sedan$1,302$109
Volkswagen Jetta S 2.5 Station Wagon$1,196$100
Volkswagen Jetta SE 4-Dr Sedan$1,346$112
Volkswagen Jetta 2.0T 4-Dr Sedan$1,388$116
Volkswagen Jetta SE 2.5 Station Wagon$1,280$107
Volkswagen Jetta SEL 4-Dr Sedan$1,388$116
Volkswagen Jetta 2.0T Station Wagon$1,324$110

Rates assume 2018 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 YearComprehensiveCollisionLiabilityTotal Premium
2018 Volkswagen Jetta$306$534$354$1,346
2017 Volkswagen Jetta$292$514$370$1,328
2016 Volkswagen Jetta$280$510$378$1,320
2015 Volkswagen Jetta$270$498$396$1,316
2014 Volkswagen Jetta$260$476$408$1,296
2013 Volkswagen Jetta$246$460$420$1,278
2012 Volkswagen Jetta$236$426$428$1,242
2011 Volkswagen Jetta$228$402$432$1,214
2010 Volkswagen Jetta$218$360$436$1,166
2009 Volkswagen Jetta$204$332$436$1,124
2008 Volkswagen Jetta$196$310$440$1,098
2007 Volkswagen Jetta$192$290$450$1,084
2006 Volkswagen Jetta$178$270$450$1,050
2005 Volkswagen Jetta$172$244$454$1,022
2004 Volkswagen Jetta$160$224$450$986
2003 Volkswagen Jetta$152$204$450$958
2002 Volkswagen Jetta$146$182$446$926
2001 Volkswagen Jetta$144$178$436$910
2000 Volkswagen Jetta$142$170$428$892
1999 Volkswagen Jetta$130$162$424$868

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 $390 each year to increase from a 30/60 limit to higher 250/500 limits
  • Teenagers are expensive to insure, costing up to $411 each month if they have full coverage
  • Higher risk drivers who have multiple accidents or major violations may pay on average $1,550 more annually for car insurance
  • Increasing comprehensive and collision deductibles could save up to $550 each year

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Rates by Driver Age

Volkswagen Jetta Insurance Rates by Driver Age
Driver AgePremium
16$4,934
20$3,090
30$1,406
40$1,346
50$1,226
60$1,202

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Jetta Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,714
$250$1,544
$500$1,346
$1,000$1,154

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Jetta Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,346
50/100$1,384
100/300$1,459
250/500$1,654
100 CSL$1,414
300 CSL$1,579
500 CSL$1,699

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Jetta Insurance Rates for High Risk Drivers
AgePremium
16$7,044
20$4,908
30$2,966
40$2,898
50$2,764
60$2,734

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 $185

Potential Rate Discounts

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

DiscountSavings
Multi-policy$72
Multi-vehicle$69
Homeowner$19
5-yr Accident Free$100
5-yr Claim Free$86
Paid in Full/EFT$63
Advance Quote$67
Online Quote$96
Total Discounts$572
Rate after discounts $774

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

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