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.

The average insurance rates for a Volkswagen Jetta are $1,382 a year for full coverage insurance. Comprehensive costs an estimated $284, collision insurance costs $524, and liability costs $416. Liability-only insurance costs as little as $474 a year, and high-risk driver insurance costs around $2,996. Teenage drivers cost the most to insure at up to $5,192 a year.

Average premium for full coverage: $1,382

Policy rates broken down by type of insurance:

Rates are based on $500 deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Jetta trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The price range example below illustrates how location impacts insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $795
• Drivers who choose higher $1,000 deductibles will pay approximately $184 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,382
• Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,738
• Drivers who are prone to accidents and violations could pay up to $2,996
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $5,192 a year

View Chart as Image

Auto insurance rates for a Volkswagen Jetta also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $5,100 a year. View Rates by Age

Your home state makes a big difference in Volkswagen Jetta insurance prices. A 40-year-old driver could pay 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

Using high physical damage deductibles could save up to $540 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,600 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance can cost from 44% to 129% more than a normal policy. View High Risk Driver Rates

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 Find the Best Cheap Volkswagen Jetta Insurance

Finding cheaper rates on insurance for a Volkswagen Jetta not only requires not taking risks behind the wheel, but also having good credit, being claim-free, and consideration of higher deductibles. Spend time shopping around once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a quick review of the data that was touched on above.

• It is possible to save approximately $170 per year just by shopping early and online
• Insureds who want higher liability limits will pay an extra $460 annually to go from a 30/60 limit to 250/500 limits
• Teens are the costliest to insure, possibly costing $433 each month if they have full coverage
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,610 more annually for Jetta 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.