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.
U.S. average insurance prices for a Volkswagen Jetta are $1,364 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $274 each year, collision costs $502, and liability coverage costs $430. Buying just liability costs as little as $486 a year, with insurance for high-risk drivers costing $2,956 or more. Teenage drivers pay the highest rates at $5,156 a year or more.
Average premium for full coverage: $1,364
Price estimates by individual coverage:
Prices are based on $500 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Jetta models.
Price Range from Low to High
For a driver in their 40's, Volkswagen Jetta insurance prices go from the cheapest price of $486 for your basic liability-only policy to a high rate of $2,956 for a policy for a high-risk driver.
Geographic Price Range
Your location has a large influence on the price of auto insurance. Rural locations have more infrequent physical damage claims than densely populated cities.
The graphic below illustrates how location helps determine auto insurance prices.
The ranges above illustrate why all drivers should compare rates using their specific location and their own driving history, rather than using average rates.
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.
More Rate Information
The chart below illustrates estimated Volkswagen Jetta insurance rates for additional coverage and risk scenarios.
- The best discount rate is $788
- Drivers who choose higher $1,000 deductibles will pay $176 each year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,364
- Using low deductibles for comprehensive and collision insurance costs an extra $342 each year
- High-risk insureds who are prone to accidents and violations could pay around $2,956 or more
- The price to insure a teenage driver can cost $5,156 a year
Insurance prices for a Volkswagen Jetta are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Jetta.
Using high physical damage deductibles could save up to $520 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $327 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may only pay around $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates
The state you live in makes a big difference in Volkswagen Jetta insurance rates. A 40-year-old driver could pay as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,840 on average in Florida, New York, and Michigan.
| 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% |
Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison and see how they stack up. Every company uses a different method to calculate prices, and prices may be quite 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 Shop for Affordable Volkswagen Jetta Insurance
Getting lower rates on auto insurance not only requires having a good driving record, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest time comparing rates every year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The next list is a brief review of the coverage data covered in the charts and tables above.
- It is possible to save around $160 per year simply by quoting online in advance
- Increasing physical damage deductibles could save as much as $525 each year
- Drivers age 20 and younger are the costliest to insure, as much as $430 a month if full coverage is included
- Drivers with DUI or reckless driving convictions may have to pay on average $1,590 more per year to buy Volkswagen 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.
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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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