Volkswagen Jetta Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs about the same to insure a Volkswagen Jetta as the average car.
• Full coverage car insurance for a Jetta runs around $176 monthly, on average, while liability only insurance usually tends to be about $84.
• The cheapest auto insurance carrier for a Jetta is Ohio Mutual, who offers prices as little as $24 a month.

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Jetta Overview

With base prices starting at just $18,995 for 2021 models, the Volkswagen Jetta is a great budget-friendly car for drivers of all types. With five different trim levels currently offered, there's a style for every driver.

Based on looking at thousands of insurance quotes from Compare.com, we've determined that, on average, Volkswagen Jetta car insurance rates run around $182 monthly. But how does that stack up to other similar cars out there on the market?

How Much is Car Insurance for a Volkswagen Jetta?

Looking at the table above, you can see that auto insurance premiums for a Volkswagen Jetta are about average compared to other vehicles on the road. Jetta owners typically pay around $176 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $84 per month for liability only insurance (check out our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

When you compare it to other models, the Jetta is in line with the other vehicles in Volkswagen's lineup. Likewise, Jetta coverage runs close to average when compared to other vehicles of a similar body style, with liability insurance prices coming in at $1 higher than other cars and full coverage insurance premiums at $1 cheaper.

When compared to all vehicles, regardless of make, body style, or model, the Jetta follows a similar pattern of having average insurance rates.

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Who has the Cheapest Car Insurance for a Volkswagen Jetta?

Are you looking for a car insurance policy for your Volkswagen Jetta? You're probably most interested in which company offers the lowest prices. While costs will generally be pretty different from driver to driver, the lowest average rates for liability only insurance are as little as just $24 monthly from Ohio Mutual. The next most affordable carrier is MetroMile, who offers insurance sometimes as cheap as $33 per month.

Rounding out the list are CaliforniaCasualty, Aspire, and Commonwealth Casualty. However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

After all, car insurance companies look at a lot of different things when calculating premiums, so your results might be different. Since every driver is different, there's only one way to make sure you get the cheapest premiums, and that's by getting personalized quotes and comparing rates from lots of insurance carriers.

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What Factors Affect Car Insurance Rates for a Volkswagen Jetta?

There are a lot of factors that auto insurance companies use to decide how much to charge you for a policy -- and every company weighs certain variables more than others, so there's not a single carrier that's the lowest for everyone.

The following sections show a wide array of variables car insurance carriers use to choose rates:

Vehicle Age

The Volkswagen Jetta has been around for a while -- that means vehicle age can play a role in what you end up paying for insurance. Normally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Jettas begin to depreciate, insurance costs will gradually decrease.

As you can see in the information above, the Volkswagen Jetta follows this trend, as the cheapest models to insure are those that are 15 years old or more, while the most expensive models are Jettas that are 1 year old or less, on average.

Your Age

Age plays a big role in how much you pay for auto insurance. Based on the information above, drivers who have more experience on the road pay less compared to drivers who are under 18. Volkswagen Jetta drivers under 18 actually pay more than twice as much as those 25 or older.

Auto insurance prices continue to go lower as you get older, with the cheapest age group being 55-64 for Jetta drivers.

Your Gender

Because women are less likely to get tickets and get into accidents, they have a decreased chance of filing a claim with insurance. So, insurance companies will tend to charge women less than men. When it comes to Jetta drivers specifically, men pay about $86 a month for insurance, while women pay around $80.

Where You Live

You may think it's obvious that things such as what vehicle you drive and how old you are play a role in your auto insurance premiums, but you may not realize that where you live is equally important. Since car insurance is regulated at the state level, prices can differ quite a bit from state to state.

For example, the average Volkswagen Jetta owner from New York pays about $204 per month for liability coverage. Meanwhile, the same driver in California will pay less than 50% of that price, on average. The table referenced above shows average rates for the 10 largest states by population, just to give you a good idea of how much premiums can change from state to state.

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Volkswagen Jetta Car Insurance Discounts

Regardless of your age, your home state, or your car, using as many discounts as possible when it comes to your insurance is always important when shopping around for a policy.

Not every car insurance company will offer the same discounts, but there are a few that are relatively universal. These include discounts like:

• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
• Multi-car discounts for adding more than one vehicle to your auto policy
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Multi-policy discounts for using the same insurance carrier for both your home and auto insurance

While discounts are always a good way to save money on your auto insurance, sometimes, it's actually strengthening your overall insurance profile that carriers look at that get you the lowest rates.

Although you can't control every single aspect of your car insurance profile (like some of the pieces we mentioned above), there is quite bit in your control. Below are just a few of the ones you can use to your advantage when it comes to saving money:

Your Driving Record

You've almost certainly heard ads from insurance carriers promoting big savings for responsible drivers. It follows that your auto insurance rates will get higher if you get into a collision or get tickets. But how much will they cost you?

You can tell from the table above that accidents will usually cost Jetta drivers more than tickets, but both will result in above average rates. Volkswagen Jetta drivers with one ticket will pay an average of $94 monthly, while drivers with a single accident on their record pay about $96 every month (up $12 from the $84/mo. overall average). The rates only increase the more accidents you have or tickets you get.

How Much You Drive

Another variable that plays a role in your car insurance prices is the total amount of miles you drive each year. Drivers who are on the roads less often are more likely to go accident-free, so they'll normally be offered lower rates. Above, you can see that Volkswagen Jetta owners who drive 10,000 miles or more pay $83 for auto insurance, while those who drive fewer than 2,500 miles a year pay about $78 a month.

But if you're one of those drivers who don't put very many miles on your Volkswagen Jetta each year, you might consider a usage-based or pay-per-mile insurance policy. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Volkswagen Jettas Compare to Other Vehicles?

If you're considering buying a new vehicle and a Volkswagen Jetta is on your shortlist, you're probably wondering how it compares to other cars. Car insurance is just one cost that comes with buying a new car, but it's definitely one that's worth thinking about carefully.

Visit the table below to see how the Volkswagen Jetta compares:

With an MSRP that's less than half of the going rate for a new vehicle, the Volkswagen Jetta is a fantastic value when it comes to price. The Jetta goes for $18,995, which is quite a bit lower than the national average vehicle price of $46,296.

Unlike the Jetta's lower price, auto insurance premiums are higher when compared to other vehicles on the market. Full coverage insurance for a Volkswagen Jetta is around $78 per month more than average, while liability only coverage is per month.

When it comes to usage, Volkswagen Jetta drivers are near the national average in annual miles driven, with 11,617 miles per year for all vehicles compared to the Jetta's 11,382 each year.

Volkswagen Jetta Car Insurance Costs by Model Year

You've seen how different factors can have an impact on how much the average driver pays to insure a Volkswagen Jetta. But if you're thinking about buying a new vehicle and the Jetta is one you're considering, knowing what you'll likely pay can be extremely valuable as you weigh your options.

Choose Your Model

2021 Volkswagen Jetta Car Insurance 2020 Volkswagen Jetta Car Insurance 2019 Volkswagen Jetta Car Insurance 2018 Volkswagen Jetta Car Insurance 2017 Volkswagen Jetta Car Insurance 2016 Volkswagen Jetta Car Insurance 2015 Volkswagen Jetta Car Insurance 2014 Volkswagen Jetta Car Insurance 2013 Volkswagen Jetta Car Insurance 2012 Volkswagen Jetta Car Insurance 2011 Volkswagen Jetta Car Insurance 2010 Volkswagen Jetta Car Insurance 2009 Volkswagen Jetta Car Insurance

2021 Volkswagen Jetta Car Insurance

The average cost to insure a 2021 Jetta with liability only coverage is $153 a month, while full coverage runs about $247 monthly.

If you're looking for the lowest possible 2021 Volkswagen Jetta insurance policy, DirectGeneral offered the cheapest policy we found, with rates as cheap as just $31 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2020 Volkswagen Jetta Car Insurance

On average, drivers who own a 2020 Volkswagen Jetta can expect to pay $90 to $214 per month for liability only and full coverage insurance, respectively.

We found Aspire offered the most affordable policy, with rates as low as just $21 monthly.

Interested in just how much you'll pay? Enter your ZIP code below to get a variety of free customized quotes.

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2019 Volkswagen Jetta Car Insurance

You can expect full coverage for a 2019 Jetta to run around $198 a month, while liability only coverage will average about $95 per month.

With rates sometimes as little as $17 monthly, Commonwealth Casualty offered the lowest policy we found.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

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2018 Volkswagen Jetta Car Insurance

2018 Volkswagen Jetta drivers can expect to pay an average of $107 per month for liability or $203 for full coverage.

DirectGeneral has premiums as cheap as $25 monthly for the 2018 Volkswagen Jetta.

Want something more accurate than national averages? Just enter your ZIP code below to get lots of personalized quotes for free.

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2017 Volkswagen Jetta Car Insurance

It costs around $95 a month for liability or $197 for a full coverage policy for the 2017 Jetta.

With prices sometimes as low as $18 per month, Commonwealth Casualty offered the cheapest policy we found for the 2017 Volkswagen Jetta.

If you want to find the best premiums for auto insurance for a 2017 Volkswagen Jetta, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2016 Volkswagen Jetta Car Insurance

2016 Volkswagen Jetta drivers can expect to pay an average of $98 monthly for liability or $193 for full coverage.

Looking for the most affordable policy? StateAuto offered liability only coverage for as low as $17 a month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2015 Volkswagen Jetta Car Insurance

You can expect full coverage for a 2015 Jetta to run about $182 per month, while liability only coverage will average around $88 a month.

Liberty Mutual offered the lowest policy we found, with rates as cheap as $19 monthly.

Interested in what your car insurance rate could look like? Get several personalized quotes for free by just entering your ZIP code below.

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2014 Volkswagen Jetta Car Insurance

It costs about $93 per month for liability or $173 for a full coverage policy for the 2014 Volkswagen Jetta.

Looking for the most affordable policy? Good2Go offered liability only coverage for as cheap as just $216/mo a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2013 Volkswagen Jetta Car Insurance

On average, drivers who own a 2013 Jetta can expect to pay $81 to $162 monthly for liability only and full coverage insurance, respectively.

Mercury has prices sometimes as little as $17 per month for the 2013 Volkswagen Jetta.

While these are good estimates of what the average driver might pay to insure a 2013 Volkswagen Jetta, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2012 Volkswagen Jetta Car Insurance

The average cost to insure a 2012 Volkswagen Jetta with liability only coverage is $88 monthly, while full coverage runs around $164 a month.

Liberty Mutual offered the lowest policy we found, with rates as low as $19 per month.

Want to find the best rates? Get multiple customized quotes for free by just entering your ZIP code below.

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2011 Volkswagen Jetta Car Insurance

On average, drivers who own a 2011 Jetta can expect to pay $84 to $160 monthly for liability only and full coverage car insurance, respectively.

If you're looking for the cheapest possible 2011 Volkswagen Jetta insurance policy, ACG offered the cheapest policy we found, with rates sometimes as low as $13 a month.

If you're looking for a more exact figure on what you should pay for insurance for a 2011 Volkswagen Jetta, you can get free quotes in minutes by just entering your ZIP code below.

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2010 Volkswagen Jetta Car Insurance

It costs about $85 monthly for liability or $155 for a full coverage policy for the 2010 Volkswagen Jetta.

We found Mercury offered the most affordable policy, with rates sometimes as cheap as $20 a month.

If you want to know exactly how much you can expect to pay for your Jetta, just enter your ZIP code below and get free quotes in minutes.

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2009 Volkswagen Jetta Car Insurance

2009 Jetta drivers can expect to pay an average of $80 per month for liability or $155 for full coverage.

With premiums as low as just $17 monthly, Liberty Mutual offered the cheapest policy we found for the 2009 Volkswagen Jetta.

Want something more accurate than nationwide averages? Just enter your ZIP code below to get several free customized quotes.

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Volkswagen Jetta Insurance FAQs

Is a Volkswagen Jetta expensive to insure?

Liability insurance runs an average of $84 per month, while full coverage will cost you around $176. The cost of auto insurance for the Volkswagen Jetta is about the same as insuring the average car.

How can I get the best price on car insurance for my Volkswagen Jetta?

There's only one way to make sure you're getting the lowest rates -- checking prices regularly and comparing quotes from a multitude of companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from several carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Volkswagen Jetta affect my insurance rates?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually not the case. There are a whole range of variables car insurance companies examine when they calculate how much you'll pay, but the color of your Jetta is not factored into that equation.

Do I need to have insurance before I buy a Volkswagen Jetta?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have a valid insurance policy. Some dealerships might offer you a car insurance policy as part of the car-buying process, but the best thing to do when buying a an car is to talk with your auto insurance company beforehand.

What car insurance discounts can I get for my Volkswagen Jetta?

You will find several different discounts out there when it comes to car insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are based less on your Volkswagen Jetta and more on you, but if your Jetta has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. The only way to know is to talk with your insurance agent and ask about which discounts they offer.