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.

Average auto insurance rates for a Volkswagen Jetta are $1,386 annually for full coverage insurance. Comprehensive insurance costs around $294 a year, collision insurance costs $536, and liability coverage costs around $398. A policy with just liability insurance costs as low as $460 a year, and coverage for high-risk drivers costs $3,002 or more. Teen drivers receive the highest rates at up to $5,176 a year.

Average premium for full coverage: $1,386

Rate estimates for individual coverage type:

Prices include $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and Jetta trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than larger metro areas. The diagram below illustrates how geographic area affects auto insurance rates.

These examples illustrate why it is important to compare prices for a specific zip code and their own personal driving habits, rather than using price averages.

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

Rate Comparisons

The chart below illustrates average Volkswagen Jetta insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $798
• Using higher $1,000 deductibles will save about $1,198 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,386
• Choosing low $100 deductibles for physical damage coverage costs an additional $368 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,002
• The cost with full coverage for a teenage driver can be $5,176 or more

View Chart as Image

Insurance rates for a Volkswagen Jetta can also vary considerably based on the trim level of your Jetta, your risk profile, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,600 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy can be around 44% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $560 a year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $304 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Volkswagen Jetta insurance rates. A driver around age 40 might see rates as low as $910 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,870 on average in Michigan, New York, and Florida.

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 Right Volkswagen Jetta Insurance

Saving money on auto insurance requires not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates every time your policy renews by quoting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a quick rundown of the information presented in the illustrations above.

• It is possible to save up to $170 per year just by quoting early and online
• Teens are charged the highest rates, costing up to $431 per month if they have full coverage
• Increasing deductibles could save up to $550 each year
• Drivers with reckless driving or DUI convictions pay on average $1,620 more every year for Jetta insurance
• Consumers who may need higher liability limits will pay about $440 annually to increase from a minimum 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.