Volkswagen Jetta Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.
Estimated insurance rates for a Volkswagen Jetta are $1,386 a year for full coverage. Comprehensive costs approximately $294, collision costs $536, and liability coverage is $398. A policy with only liability insurance costs around $460 a year, with a high-risk policy costing around $3,002. Teen drivers pay the most at $5,176 a year or more.
Average premium for full coverage: $1,386
Premium estimates by type of coverage:
Rate estimates include $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for different Jetta trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Volkswagen Jetta go from as low as $460 for the bare minimum liability coverage to a much higher rate of $3,002 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than larger metro areas.
The price range example below illustrates how geographic area affects auto insurance prices.
These rate differences show why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, rather than using price averages.
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 Information
The chart below shows estimated Volkswagen Jetta insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $798
- Raising to $1,000 deductibles will save $188 a year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,386
- Choosing more expensive low deductibles will increase the cost to $1,754
- Unlucky drivers with multiple violations and an at-fault accident could pay around $3,002 or more
- An auto insurance policy for full coverage for a teenage driver with full coverage can cost $5,176
Car insurance prices for a Volkswagen Jetta also have a wide range based on your driving characteristics, the trim level of your Jetta, and physical damage deductibles and liability limits.
An older driver with no driving violations and high deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged in the ballpark of $5,100 a year. View Rates by Age
Where you choose to live also has a big influence on Volkswagen Jetta insurance rates. A middle-age driver might find prices as low as $920 a year in states like Iowa, Maine, and Idaho, or as much as $1,980 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing high deductibles can reduce prices by up to $560 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $304 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,600 to $2,300 extra annually, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 129% more than average. View High Risk Driver Rates
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes will be substantially different from one company to the next.
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 Volkswagen Jetta Insurance
Finding better rates on auto insurance consists of having a good driving record, having above-average credit, not filing small claims, and avoiding coverage lapses. Invest the time to compare rates every time your policy renews by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The next list is a brief recap of the information presented in the illustrations above.
- Drivers can save around $170 per year simply by shopping early and online
- Drivers age 20 and younger pay the highest auto insurance prices, as much as $431 per month if full coverage is included
- Increasing policy deductibles can save around $550 each year
- Drivers who tend to receive serious violations may pay on average $1,620 more per year to buy Volkswagen Jetta insurance
- Consumers who purchase increased levels of liability coverage will pay about $440 each year to raise from 30/60 bodily injury limits to 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.
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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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