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 $1,396 a year for full coverage. Comprehensive costs on average $306 each year, collision costs $542, and liability insurance is estimated at $390. Liability-only coverage costs approximately $452 a year, with high-risk coverage costing around $3,014. Teens cost the most to insure at $5,168 a year or more.

Average premium for full coverage: $1,396

Policy rates by type of insurance:

Estimates include $500 deductible amounts, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Jetta models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of accident claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine car insurance rates.

The examples above show why all drivers should get quotes based on a specific location, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below shows estimated Volkswagen Jetta insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $805
• Choosing higher $1,000 deductibles can save around $192 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,396
• Selecting low deductibles for comp and collision coverage bumps up the cost to $1,768
• High-risk insureds with serious driving violations could pay upwards of $3,014 or more
• Policy cost that insures a teen driver may cost $5,168 each year

View Chart as Image

Insurance rates for a Volkswagen Jetta also range considerably based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,600 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 45% to 128% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Volkswagen Jetta insurance rates. A good driver about age 40 could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,990 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $570 each year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $299 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer calculates rates differently, and rates will be varied.

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 Low Cost Volkswagen Jetta Insurance

Finding cheaper rates on Volkswagen Jetta insurance takes having a good driving record, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare rates at every policy renewal by quoting rates from direct carriers, and also from local exclusive and independent agents.

The next list is a review of the data covered in the charts and tables above.

• Drivers who require increased levels of liability coverage will pay approximately $430 each year to raise limits from a 30/60 limit to the 250/500 level
• Drivers can save as much as $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Drivers age 20 and younger pay higher rates, costing up to $431 each month if comprehensive and collision insurance is included

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.