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.
U.S. average auto insurance rates for a Volkswagen Jetta are $1,382 annually for full coverage. Comprehensive insurance costs approximately $284 each year, collision costs $524, and liability is estimated at $416. Liability-only insurance costs approximately $474 a year, with high-risk driver insurance costing $2,996 or more. 16-year-old drivers pay the highest rates at $5,192 a year or more.
Average premium for full coverage: $1,382
Price estimates by individual coverage:
Price estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and Jetta models.
Price Range from Low to High
For a driver in their 40's, Volkswagen Jetta insurance prices go from as cheap as $474 for the bare minimum liability coverage to a high rate of $2,996 for a high-risk insurance policy.
Geographic Price Range
Living in a larger city can have significant affects on car insurance rates. Rural locations have fewer accident claims than congested cities.
The graphic below illustrates how location helps determine auto insurance prices.
The ranges above show why all drivers should get quotes 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 shows estimated Volkswagen Jetta insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $795
- Choosing higher $1,000 deductibles can save $184 a year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,382
- Buying low deductibles for comp and collision coverage costs an additional $356 every year
- Unlucky drivers with multiple tickets or accidents could pay around $2,996 or more
- The price with full coverage for a teen driver can cost $5,192 each year
Car insurance prices for a Volkswagen Jetta are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $5,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,600 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 129% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $540 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Volkswagen Jetta insurance prices. A good driver about age 40 could pay as low as $910 a year in states like Iowa, Maine, and Idaho, or at least $1,970 on average in New York, Louisiana, and Michigan.
| 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% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see which company has the best price. Each auto insurer utilizes a different rate formula, so rate quotes may be quite 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 Cheaper Volkswagen Jetta Insurance
Getting lower rates on car insurance takes being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Invest time comparing rates at least every other year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a condensed summary of the car insurance concepts covered in the charts and tables above.
- Higher risk drivers with multiple at-fault accidents pay on average $1,610 more per year to insure their Jetta
- Drivers can save around $170 per year simply by quoting online in advance
- Increasing physical damage deductibles could save up to $550 each year
- Policyholders who purchase more liability coverage will pay around $460 each year to raise limits from a low limit to higher 250/500 limits
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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