Volkswagen Jetta Insurance Rates
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Michelle Robbins
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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.
Average insurance prices for a Volkswagen Jetta are $1,382 every 12 months for full coverage. Comprehensive costs around $284, collision costs $524, and liability costs $416. Buying just liability costs as little as $474 a year, with insurance for high-risk drivers costing around $2,996. Teens receive the highest rates at $5,192 a year or more.
Average premium for full coverage: $1,382
Rate estimates for individual coverage type:
Prices include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for different Jetta trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the cheapest price of $474 for the bare minimum liability coverage to a much higher rate of $2,996 for high-risk insurance.
Price Range by Location
Your location can have significant affects on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than cities with more traffic congestion.
The price range example below illustrates how your location can change auto insurance rates.
These examples show why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, instead of using 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.
Additional Rate Information
The chart below shows estimated Volkswagen Jetta insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $795
- Drivers who choose higher $1,000 deductibles will pay about $184 a year
- The average price for a 40-year-old driver using $500 deductibles is $1,382
- Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $1,738
- Higher-risk drivers with serious driving violations could pay at least $2,996 or more
- The cost to insure a teen driver with full coverage can be $5,192 a year
Auto insurance rates for a Volkswagen Jetta can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could save up to $540 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $318 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $5,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,600 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance can cost as much as 44% to 129% more than the average policy. View High Risk Driver Rates
Where you live makes a big difference in Volkswagen Jetta insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,970 on average in Michigan, Louisiana, and New York.
| 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 so much variability in rates, the only way to know your exact price is to compare rates and see which company has the best rate. Every company calculates rates differently, and quoted rates can be significantly different.
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 Shop for the Right Volkswagen Jetta Insurance
Saving money on car insurance not only requires avoiding accidents and claims, but also having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Invest the time to shop around every couple of years by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The points below are a quick rundown of the material that was illustrated above.
- Policyholders who may need increased liability limits will pay approximately $460 each year to go from a minimum limit to a 250/500 level
- Drivers under the age of 20 are expensive to insure, costing as high as $433 per month if comprehensive and collision insurance is included
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,610 more every year to insure a Volkswagen Jetta
- Increasing deductibles could save as much as $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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