Volkswagen Jetta Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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.
Average insurance rates for a Volkswagen Jetta are $1,386 a year for full coverage. Comprehensive insurance costs on average $294, collision insurance costs $536, and liability costs around $398. Buying just liability costs as low as $460 a year, and insurance for high-risk drivers costs $3,002 or more. Teenage drivers receive the highest rates at up to $5,176 a year.
Average premium for full coverage: $1,386
Rate estimates by individual coverage type:
Rates are based on $500 deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different Jetta trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range range from the low end price of $460 for just the minimum liability insurance to a much higher rate of $3,002 for high-risk insurance.
Price Range by Location
Where you live can have significant affects on car insurance rates. Rural areas tend to have lower incidents of accident claims than densely populated cities. The price range example below illustrates how geographic area affects car insurance rates.
These examples show why anyone shopping for car insurance should compare prices based on a specific location, instead of 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.
Additional Rate Analysis
The chart below shows average Volkswagen Jetta insurance rates for different risk profiles and scenarios.
- The best discount rate is $798
- Using higher $1,000 deductibles will save around $188 a year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,386
- Using more expensive low deductibles for physical damage coverage will cost an additional $368 every year
- Drivers who are prone to accidents and violations could pay upwards of $3,002
- The cost that insures a teen driver with full coverage may cost $5,176 or more
Auto insurance rates for a Volkswagen Jetta can also vary considerably based on the model year and trim level, how you drive, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you could be paying at a minimum $1,600 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance can be as much as 44% to 129% more than a normal policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay upwards of $5,100 a year. View Rates by Age
Where you live has a huge impact on Volkswagen Jetta insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,980 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,254 | -$132 | -9.5% |
| Alaska | $1,066 | -$320 | -23.1% |
| Arizona | $1,152 | -$234 | -16.9% |
| Arkansas | $1,386 | -$0 | 0.0% |
| California | $1,582 | $196 | 14.1% |
| Colorado | $1,324 | -$62 | -4.5% |
| Connecticut | $1,428 | $42 | 3.0% |
| Delaware | $1,570 | $184 | 13.3% |
| Florida | $1,736 | $350 | 25.3% |
| Georgia | $1,282 | -$104 | -7.5% |
| Hawaii | $998 | -$388 | -28.0% |
| Idaho | $940 | -$446 | -32.2% |
| Illinois | $1,036 | -$350 | -25.3% |
| Indiana | $1,044 | -$342 | -24.7% |
| Iowa | $936 | -$450 | -32.5% |
| Kansas | $1,320 | -$66 | -4.8% |
| Kentucky | $1,894 | $508 | 36.7% |
| Louisiana | $2,054 | $668 | 48.2% |
| Maine | $858 | -$528 | -38.1% |
| Maryland | $1,142 | -$244 | -17.6% |
| Massachusetts | $1,110 | -$276 | -19.9% |
| Michigan | $2,410 | $1,024 | 73.9% |
| Minnesota | $1,162 | -$224 | -16.2% |
| Mississippi | $1,662 | $276 | 19.9% |
| Missouri | $1,232 | -$154 | -11.1% |
| Montana | $1,490 | $104 | 7.5% |
| Nebraska | $1,094 | -$292 | -21.1% |
| Nevada | $1,664 | $278 | 20.1% |
| New Hampshire | $1,000 | -$386 | -27.8% |
| New Jersey | $1,552 | $166 | 12.0% |
| New Mexico | $1,230 | -$156 | -11.3% |
| New York | $1,462 | $76 | 5.5% |
| North Carolina | $800 | -$586 | -42.3% |
| North Dakota | $1,136 | -$250 | -18.0% |
| Ohio | $958 | -$428 | -30.9% |
| Oklahoma | $1,426 | $40 | 2.9% |
| Oregon | $1,272 | -$114 | -8.2% |
| Pennsylvania | $1,324 | -$62 | -4.5% |
| Rhode Island | $1,852 | $466 | 33.6% |
| South Carolina | $1,258 | -$128 | -9.2% |
| South Dakota | $1,170 | -$216 | -15.6% |
| Tennessee | $1,216 | -$170 | -12.3% |
| Texas | $1,672 | $286 | 20.6% |
| Utah | $1,028 | -$358 | -25.8% |
| Vermont | $950 | -$436 | -31.5% |
| Virginia | $830 | -$556 | -40.1% |
| Washington | $1,074 | -$312 | -22.5% |
| West Virginia | $1,272 | -$114 | -8.2% |
| Wisconsin | $962 | -$424 | -30.6% |
| Wyoming | $1,236 | -$150 | -10.8% |
Using high physical damage deductibles could cut rates by as much as $560 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $304 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volkswagen Jetta S 4-Dr Sedan | $1,260 | $105 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,344 | $112 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,234 | $103 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,386 | $116 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,428 | $119 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,316 | $110 |
| Volkswagen Jetta SEL 4-Dr Sedan | $1,428 | $119 |
| Volkswagen Jetta 2.0T Station Wagon | $1,360 | $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 | $306 | $542 | $390 | $1,396 |
| 2023 Volkswagen Jetta | $294 | $536 | $398 | $1,386 |
| 2022 Volkswagen Jetta | $284 | $524 | $416 | $1,382 |
| 2021 Volkswagen Jetta | $274 | $502 | $430 | $1,364 |
| 2020 Volkswagen Jetta | $260 | $484 | $442 | $1,344 |
| 2019 Volkswagen Jetta | $250 | $450 | $452 | $1,310 |
| 2018 Volkswagen Jetta | $240 | $424 | $456 | $1,278 |
| 2017 Volkswagen Jetta | $230 | $380 | $460 | $1,228 |
| 2016 Volkswagen Jetta | $214 | $350 | $460 | $1,182 |
| 2015 Volkswagen Jetta | $206 | $328 | $464 | $1,156 |
| 2014 Volkswagen Jetta | $202 | $306 | $474 | $1,140 |
| 2013 Volkswagen Jetta | $186 | $284 | $474 | $1,102 |
| 2012 Volkswagen Jetta | $182 | $258 | $478 | $1,076 |
| 2011 Volkswagen Jetta | $170 | $236 | $474 | $1,038 |
| 2010 Volkswagen Jetta | $160 | $214 | $474 | $1,006 |
| 2009 Volkswagen Jetta | $154 | $192 | $468 | $972 |
| 2008 Volkswagen Jetta | $152 | $188 | $460 | $958 |
| 2007 Volkswagen Jetta | $150 | $178 | $452 | $938 |
| 2006 Volkswagen Jetta | $138 | $170 | $446 | $912 |
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 Find the Best Cheap Volkswagen Jetta Insurance
Saving money on car insurance requires not taking risks behind the wheel, maintaining a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Compare prices every couple of years by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following is a quick review of the material that was presented in the illustrations above.
- Policyholders who require higher liability limits will pay an extra $440 each year to increase from a minimum limit to the 250/500 level
- Teens are charged the highest rates, costing as high as $431 per month if the policy includes full coverage
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,620 more each year for Jetta insurance
- Increasing deductibles can save approximately $550 each year
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 | $5,176 |
| 20 | $3,208 |
| 30 | $1,450 |
| 40 | $1,386 |
| 50 | $1,268 |
| 60 | $1,244 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,754 |
| $250 | $1,584 |
| $500 | $1,386 |
| $1,000 | $1,198 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,386 |
| 50/100 | $1,428 |
| 100/300 | $1,512 |
| 250/500 | $1,732 |
| 100 CSL | $1,461 |
| 300 CSL | $1,647 |
| 500 CSL | $1,783 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,382 |
| 20 | $5,098 |
| 30 | $3,068 |
| 40 | $3,002 |
| 50 | $2,864 |
| 60 | $2,840 |
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 | $74 |
| Multi-vehicle | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $64 |
| Advance Quote | $69 |
| Online Quote | $98 |
| Total Discounts | $588 |
Discounts are estimated and may not be available from every company or in every state.
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