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.

U.S. average auto insurance rates for a Volkswagen Jetta are $1,386 annually including full coverage. Comprehensive insurance costs approximately $294 each year, collision insurance costs $536, and liability costs $398. Liability-only coverage costs as little as $460 a year, and high-risk coverage costs $3,002 or more. Teenage drivers pay the highest rates at up to $5,176 a year.

Average premium for full coverage: $1,386

Price estimates by individual coverage:

Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Jetta models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance prices. Rural locations have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance prices.

The ranges above highlight why all drivers should compare rates using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below breaks down average Volkswagen Jetta insurance rates for additional coverage and risk scenarios.

• The best discount rate is $798
• Drivers who choose higher $1,000 deductibles will pay $188 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,386
• Using low deductibles for comprehensive and collision insurance costs an additional $368 annually
• Drivers who are prone to accidents and violations could pay around $3,002
• The price with full coverage for a 16-year-old driver can cost $5,176 a year

View Chart as Image

Auto insurance prices for a Volkswagen Jetta are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay 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 are likely paying anywhere from $1,600 to $2,300 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost from 44% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $560 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $304 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Volkswagen Jetta insurance prices. A 40-year-old driver could pay as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,980 on average in Louisiana, 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 the Cheapest Volkswagen Jetta Insurance

Getting lower rates on insurance for a Volkswagen Jetta not only requires avoiding accidents and violations, but also having above-average credit, being claim-free, and possibly higher deductibles. Take the time to compare rates at least every other year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The list below is a recap of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk that have major violations or accidents may have to pay on average $1,620 more per year for car insurance
• You may be able to save around $170 per year just by quoting online in advance
• Increasing physical damage deductibles could save up to $550 each year
• Insureds who purchase higher liability limits will pay an extra $440 per year to go 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.

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.