Volkswagen Jetta Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 27, 2024
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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 with full coverage. Comprehensive insurance costs approximately $284, collision costs $524, and liability costs $416. Liability-only coverage costs as little as $474 a year, with high-risk coverage costing $2,996 or more. 16-year-old drivers pay the most at $5,192 a year or more.
Average premium for full coverage: $1,382
Premium estimates by type of coverage:
These estimates include $500 deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different Jetta trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Volkswagen Jetta go from as cheap as $474 for the bare minimum liability coverage to a much higher rate of $2,996 for high-risk insurance.
Insurance Price Range by Location
Your location can have significant affects on the price of insurance. Rural locations are statistically proven to have fewer collision claims than congested cities.
The price range example below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should compare rates using their specific location 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.
Additional Rate Information
The chart below details estimated Volkswagen Jetta insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $795
- Drivers who choose higher $1,000 deductibles will pay $184 annually
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,382
- Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $356 every year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,996 or more
- An auto insurance policy with full coverage for a teen driver with full coverage can cost $5,192 a year
Insurance prices for a Volkswagen Jetta also have a wide range based on the model of your Jetta, your driving record, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high physical damage deductibles may pay as little as $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 can expect to pay in the ballpark of $5,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,300 extra annually, depending on your age. High-risk driver insurance can cost as much as 44% to 129% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $540 every year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $318 more per year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Volkswagen Jetta insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or at least $1,870 on average in New York, Michigan, and Florida.
| 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% |
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices and see which company has the best price. Every company utilizes a different rate formula, so the prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| 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 2023 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 |
|---|---|---|---|---|
| 2024 Volkswagen Jetta | $294 | $536 | $398 | $1,386 |
| 2023 Volkswagen Jetta | $284 | $524 | $416 | $1,382 |
| 2022 Volkswagen Jetta | $274 | $502 | $430 | $1,364 |
| 2021 Volkswagen Jetta | $260 | $484 | $442 | $1,344 |
| 2020 Volkswagen Jetta | $250 | $450 | $452 | $1,310 |
| 2019 Volkswagen Jetta | $240 | $424 | $456 | $1,278 |
| 2018 Volkswagen Jetta | $230 | $380 | $460 | $1,228 |
| 2017 Volkswagen Jetta | $214 | $350 | $460 | $1,182 |
| 2016 Volkswagen Jetta | $206 | $328 | $464 | $1,156 |
| 2015 Volkswagen Jetta | $202 | $306 | $474 | $1,140 |
| 2014 Volkswagen Jetta | $186 | $284 | $474 | $1,102 |
| 2013 Volkswagen Jetta | $182 | $258 | $478 | $1,076 |
| 2012 Volkswagen Jetta | $170 | $236 | $474 | $1,038 |
| 2011 Volkswagen Jetta | $160 | $214 | $474 | $1,006 |
| 2010 Volkswagen Jetta | $154 | $192 | $468 | $972 |
| 2009 Volkswagen Jetta | $152 | $188 | $460 | $958 |
| 2008 Volkswagen Jetta | $150 | $178 | $452 | $938 |
| 2007 Volkswagen Jetta | $138 | $170 | $446 | $912 |
| 2006 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
Finding better rates on car insurance not only requires not taking risks behind the wheel, but also having a good credit history, being claim-free, and maximizing policy discounts. Set aside time to compare rates every couple of years by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The following is a brief summary of the material that was covered above.
- Policyholders who purchase higher liability limits will pay around $460 every year to go from 30/60 bodily injury limits to higher 250/500 limits
- Teens are expensive to insure, possibly costing $433 per month including comprehensive and collision insurance
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,610 more per year for Jetta insurance
- Increasing policy deductibles could save up to $550 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
| 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
| Deductible | Premium |
|---|---|
| $100 | $1,738 |
| $250 | $1,574 |
| $500 | $1,382 |
| $1,000 | $1,198 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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