Volkswagen Jetta Insurance Rates
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UPDATED: Jun 6, 2023
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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 insurance rates for a Volkswagen Jetta are $1,364 a year with full coverage. Comprehensive costs around $274 each year, collision costs $502, and liability insurance is $430. Liability-only insurance costs around $486 a year, with high-risk driver insurance costing around $2,956. Teens pay the most at $5,156 a year or more.
Average premium for full coverage: $1,364
Premium estimates for type of coverage:
Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and Jetta models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Volkswagen Jetta go from the low end price of $486 for a discount liability-only rate to a high rate of $2,956 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.
The graphic below illustrates how your location can change auto insurance rates.
These rate differences demonstrate why all drivers should compare rates quotes for a specific zip code, rather than relying on averaged prices.
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 details estimated Volkswagen Jetta insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $788
- Raising to $1,000 deductibles will save about $176 annually
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,364
- Selecting low deductibles bumps up the cost to $1,706
- Higher-risk drivers with serious driving violations could pay at least $2,956 or more
- An auto insurance policy that insures a teen driver can be $5,156
Insurance prices for a Volkswagen Jetta also have a wide range based on the trim level and model year, your age and driving habits, and deductibles and policy limits.
If you have a few violations or you caused an accident, you may be forking out at least $1,600 to $2,200 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $5,100 a year. View Rates by Age
Where you choose to live also has a big influence on Volkswagen Jetta insurance rates. A middle-age driver might find prices as low as $980 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,840 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,234 | -$130 | -9.5% |
| Alaska | $1,046 | -$318 | -23.3% |
| Arizona | $1,132 | -$232 | -17.0% |
| Arkansas | $1,364 | -$0 | 0.0% |
| California | $1,554 | $190 | 13.9% |
| Colorado | $1,304 | -$60 | -4.4% |
| Connecticut | $1,404 | $40 | 2.9% |
| Delaware | $1,544 | $180 | 13.2% |
| Florida | $1,706 | $342 | 25.1% |
| Georgia | $1,260 | -$104 | -7.6% |
| Hawaii | $978 | -$386 | -28.3% |
| Idaho | $922 | -$442 | -32.4% |
| Illinois | $1,016 | -$348 | -25.5% |
| Indiana | $1,026 | -$338 | -24.8% |
| Iowa | $920 | -$444 | -32.6% |
| Kansas | $1,296 | -$68 | -5.0% |
| Kentucky | $1,860 | $496 | 36.4% |
| Louisiana | $2,018 | $654 | 47.9% |
| Maine | $842 | -$522 | -38.3% |
| Maryland | $1,124 | -$240 | -17.6% |
| Massachusetts | $1,092 | -$272 | -19.9% |
| Michigan | $2,370 | $1,006 | 73.8% |
| Minnesota | $1,142 | -$222 | -16.3% |
| Mississippi | $1,632 | $268 | 19.6% |
| Missouri | $1,212 | -$152 | -11.1% |
| Montana | $1,466 | $102 | 7.5% |
| Nebraska | $1,076 | -$288 | -21.1% |
| Nevada | $1,634 | $270 | 19.8% |
| New Hampshire | $984 | -$380 | -27.9% |
| New Jersey | $1,524 | $160 | 11.7% |
| New Mexico | $1,206 | -$158 | -11.6% |
| New York | $1,436 | $72 | 5.3% |
| North Carolina | $786 | -$578 | -42.4% |
| North Dakota | $1,116 | -$248 | -18.2% |
| Ohio | $942 | -$422 | -30.9% |
| Oklahoma | $1,400 | $36 | 2.6% |
| Oregon | $1,250 | -$114 | -8.4% |
| Pennsylvania | $1,302 | -$62 | -4.5% |
| Rhode Island | $1,820 | $456 | 33.4% |
| South Carolina | $1,234 | -$130 | -9.5% |
| South Dakota | $1,152 | -$212 | -15.5% |
| Tennessee | $1,196 | -$168 | -12.3% |
| Texas | $1,644 | $280 | 20.5% |
| Utah | $1,010 | -$354 | -26.0% |
| Vermont | $934 | -$430 | -31.5% |
| Virginia | $816 | -$548 | -40.2% |
| Washington | $1,056 | -$308 | -22.6% |
| West Virginia | $1,250 | -$114 | -8.4% |
| Wisconsin | $946 | -$418 | -30.6% |
| Wyoming | $1,214 | -$150 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $520 each year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $327 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company calculates prices differently, and prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volkswagen Jetta S 4-Dr Sedan | $1,246 | $104 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,324 | $110 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,208 | $101 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,364 | $114 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,404 | $117 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,288 | $107 |
| Volkswagen Jetta SEL 4-Dr Sedan | $1,404 | $117 |
| Volkswagen Jetta 2.0T Station Wagon | $1,328 | $111 |
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 | $274 | $502 | $430 | $1,364 |
| 2019 Volkswagen Jetta | $260 | $484 | $442 | $1,344 |
| 2018 Volkswagen Jetta | $250 | $450 | $452 | $1,310 |
| 2017 Volkswagen Jetta | $240 | $424 | $456 | $1,278 |
| 2016 Volkswagen Jetta | $230 | $380 | $460 | $1,228 |
| 2015 Volkswagen Jetta | $214 | $350 | $460 | $1,182 |
| 2014 Volkswagen Jetta | $206 | $328 | $464 | $1,156 |
| 2013 Volkswagen Jetta | $202 | $306 | $474 | $1,140 |
| 2012 Volkswagen Jetta | $186 | $284 | $474 | $1,102 |
| 2011 Volkswagen Jetta | $182 | $258 | $478 | $1,076 |
| 2010 Volkswagen Jetta | $170 | $236 | $474 | $1,038 |
| 2009 Volkswagen Jetta | $160 | $214 | $474 | $1,006 |
| 2008 Volkswagen Jetta | $154 | $192 | $468 | $972 |
| 2007 Volkswagen Jetta | $152 | $188 | $460 | $958 |
| 2006 Volkswagen Jetta | $150 | $178 | $452 | $938 |
| 2004 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 Find More Affordable Volkswagen Jetta Insurance
Finding better rates on Volkswagen Jetta insurance consists of avoiding accidents and claims, having a good credit score, being claim-free, and taking advantage of discounts. Compare rates at least every other year by requesting rates from direct companies, and also from your local independent and exclusive agents.
The points below are a summary of the car insurance concepts illustrated above.
- High-risk drivers who have multiple accidents or major violations may pay on average $1,590 more every year to insure a Volkswagen Jetta
- You may be able to save up to $160 per year simply by quoting online in advance
- Increasing policy deductibles can save approximately $525 each year
- Drivers who may need increased liability limits will pay approximately $470 every year to raise from 30/60 bodily injury limits to the 250/500 level
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 | $5,156 |
| 20 | $3,154 |
| 30 | $1,418 |
| 40 | $1,364 |
| 50 | $1,248 |
| 60 | $1,224 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,706 |
| $250 | $1,548 |
| $500 | $1,364 |
| $1,000 | $1,188 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,364 |
| 50/100 | $1,401 |
| 100/300 | $1,492 |
| 250/500 | $1,728 |
| 100 CSL | $1,437 |
| 300 CSL | $1,637 |
| 500 CSL | $1,783 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,344 |
| 20 | $5,024 |
| 30 | $3,016 |
| 40 | $2,956 |
| 50 | $2,824 |
| 60 | $2,798 |
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 | $72 |
| Multi-vehicle | $72 |
| Homeowner | $21 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $61 |
| Advance Quote | $67 |
| Online Quote | $96 |
| Total Discounts | $576 |
Discounts are estimated and may not be available from every company or in every state.
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