Volkswagen Jetta Insurance Rates

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 for full coverage insurance. Comprehensive insurance costs an estimated $284 a year, collision insurance costs $524, and liability insurance costs around $416. Liability-only coverage costs as low as $474 a year, and high-risk coverage costs $2,996 or more. Teenage drivers pay the most at up to $5,192 a year.

Average premium for full coverage: $1,382

Premium estimates broken down by type of coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Jetta trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than densely populated cities. The diagram below illustrates how your location can change insurance prices.

These rate differences illustrate why it is important to compare prices for a targeted area and their own personal driving habits, rather than relying on average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below illustrates average Volkswagen Jetta insurance rates for other coverage scenarios.

• The best discount rate is $795
• Using higher $1,000 deductibles will save approximately $1,198 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,382
• Using low $100 deductibles for physical damage coverage costs an additional $356 a year
• Drivers who are prone to accidents and violations could pay up to $2,996
• An auto insurance policy with full coverage for a teen driver can cost as much as $5,192 or more

View Chart as Image

Insurance prices for a Volkswagen Jetta also have a wide range based on the model of your Jetta, your risk profile, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay at least $5,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,600 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $540 each year, while buying higher liability limits will increase premiums. Switching 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 has a huge impact on Volkswagen Jetta insurance rates. A driver around age 40 might see prices as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,870 on average in Florida, New York, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

How to Buy Low Cost Volkswagen Jetta Insurance

Finding better rates on Volkswagen Jetta insurance requires having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to shop around at every policy renewal by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following items are a review of the data illustrated above.

• Drivers who want additional liability coverage will pay an extra $460 annually to increase from 30/60 bodily injury limits to higher 250/500 limits
• It is possible to save approximately $170 per year just by quoting early and online
• Increasing policy deductibles could save up to $550 each year
• 16 to 18-year-old drivers are charged the highest prices, with premiums being up to $433 per month including comprehensive and collision insurance

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.

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.

• Chevrolet Malibu insurance rates
• Subaru Legacy insurance rates
• Toyota Camry insurance rates

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.