Is it Cheaper to Insure a Honda Civic or Volkswagen Jetta?

• With 15 models in the 2024 small car segment, the Honda Civic ranks third at $2,124 per year and the Volkswagen Jetta ranks 11^th at $2,426 per year for average cost of car insurance.
• The cheapest Honda Civic models to insure are the LX and LX Hatchback trim levels, while the S and Sport trims cost the least to insure for the Volkswagen Jetta.
• When compared to the average cost to insure a vehicle in the U.S. of $2,276 per year, the Honda Civic costs an average of $152 less per year, while the Volkswagen Jetta averages $150 more per year.

Does a Civic or Jetta have cheaper car insurance?

Average insurance rates for a 2024 Honda Civic are $2,124 per year, while insurance for a 2024 Volkswagen Jetta averages $2,426 per year, making the Honda Civic the model with better average insurance cost.

For the 10 trim levels available for the 2024 Honda Civic, the cheapest trim to insure is the LX model at an average cost of $1,900 per year.

Out of the six trims available for the Volkswagen Jetta, the cheapest 2024 model to insure is the S model at a cost of $2,272 per year, or $189 per month.

When comparing both models at a trim-level basis, the lowest-cost model and trim level is the Honda Civic LX at a cost of $1,900 per year, and the most expensive trim is the Volkswagen Jetta GLI Autobahn at a cost of $2,572 per year.

The table shown below ranks the 12-month and monthly car insurance cost for 2024 Honda Civic and Volkswagen Jetta models, broken down by trim level.

The chart shown below illustrates the average cost to insure both 2024 models using drivers aged 20 to 50. Average insurance cost ranges from $1,884 to $4,214 per year for a 2024 Honda Civic, and $2,164 to $4,818 for a 2024 Volkswagen Jetta for the driver ages used.

The next tables show the expected annual car insurance cost by trim level for both 2024 models, plus the average rate for each model.

2023 Honda Civic vs. Volkswagen Jetta

Insurance on a 2023 Honda Civic averages $2,268 per year, whereas a 2023 Volkswagen Jetta averages $2,124 per year, making the Volkswagen Jetta the better deal by $144 per year.

Out of eight trims for the 2023 Honda Civic, the cheapest insurance rates are on the Sport model at a cost of $2,114 per year.

For the five trim levels available for the Volkswagen Jetta, the cheapest 2023 trim to insure is the S trim at a cost of $2,004.

When rates for all 13 trim levels for both vehicles are compared, the cheapest vehicle to insure is the Volkswagen Jetta S at an average cost of $2,004 per year, and the highest-cost model and trim is the Honda Civic Type R costing $2,504 per year.

The table shown below compares and ranks the cost of car insurance for 2023 Honda Civic and Volkswagen Jetta models, with average rates for each vehicle.

The chart shown below shows the average cost to insure the two models for the 20, 30, 40, and 50-year-old driver age groups. Average insurance cost ranges from $2,016 to $4,538 per year for a 2023 Honda Civic, and $1,902 to $4,218 for a 2023 Volkswagen Jetta.

The next tables display the average insurance cost by trim level for both 2023 models, along with the average rate for each model. The winner for the 2023 car insurance comparison is the Volkswagen Jetta.

2022 Honda Civic vs. Volkswagen Jetta

Car insurance on a 2022 Honda Civic costs an average of $2,160 per year, and insurance for a 2022 Volkswagen Jetta costs an average of $2,124 per year, making the Volkswagen Jetta the winner with cheaper average insurance rates.

For a 2022 Honda Civic, average insurance rates range from $2,008 per year for the LX model up to $2,354 for the Type R model. The top three cheapest Civic models to insure are the LX, LX Hatchback, and Sport.

For a 2022 Volkswagen Jetta, rates range from $1,960 per year for the S model up to $2,238 for the most expensive GLI Autobahn model. The cheapest Jetta models to insure are the S, R-Line, and SE.

The next table compares the yearly and monthly cost of car insurance for 2022 Honda Civic and Volkswagen Jetta models, showing average cost by trim level for each model.

The chart below visualizes the average insurance cost for both 2022 models rated for different driver ages. For a 2022 Honda Civic, insurance cost ranges from $1,924 to $4,324 per year for the different drivers illustrated in the chart. Full-coverage insurance for a 2022 Volkswagen Jetta ranges from $1,900 to $4,228 on average per year.

Out of 11 Honda Civic trims, the cheapest 2022 model to insure is the LX model at an average cost of $2,008 per year, or $167 per month.

The 2022 Volkswagen Jetta has seven trims available, with the cheapest trim to insure being the S trim at an average cost of $1,960 per year.

When comparing combined rates for both models from a trim-level perspective, the cheapest model and trim level to insure is the Volkswagen Jetta S at a cost of $1,960 per year. The highest-cost model and trim level is the Honda Civic Type R costing $2,354 per year.

The two tables below display the expected annual car insurance cost by trim level for both 2022 models, as well as an average rate for each model. The cheapest to insure for the 2022 model year is the Volkswagen Jetta.

2021 Honda Civic vs. Volkswagen Jetta

For the 2021 Honda Civic and Volkswagen Jetta models, the Honda Civic costs less to insure by $246 per year for this comparison year.

The chart below demonstrates the average cost to insure the two models rated for drivers aged 20 to 50. For a 2021 Honda Civic, average car insurance cost ranges from $1,750 to $3,932 per year for the five different driver ages shown in the chart. A full-coverage policy on a 2021 Volkswagen Jetta costs from $1,980 to $4,428 on average per year.

The 2021 Honda Civic has 13 trim levels available, with the cheapest trim to insure being the LX Sedan model at an average cost of $1,772 per year, or around $148 per month.

The 2021 Volkswagen Jetta has seven option levels available, with the cheapest trim to insure being the S Sedan model at an average cost of $2,036 per year, or around $170 per month.

When all 20 trims of both models are combined and compared, the cheapest model and trim level to insure is the Honda Civic LX Sedan at an average rate of $1,772 per year. The most expensive vehicle to insure is the Honda Civic Sport Touring Hatchback at an average of $2,412 per year.

The next tables break down the average cost to insure all 2021 trim levels, including the average rate for each model. The 2021 Honda Civic takes the win over the 2021 Volkswagen Jetta for the cheapest average car insurance rates.

2020 Honda Civic vs. Volkswagen Jetta

A 2020 Honda Civic costs $236 less per year to insure per year on average than a 2020 Volkswagen Jetta, a difference of 11.6%.

The chart shown below displays the average cost to insure both 2020 models for a range of driver ages. The average car insurance cost ranges from $1,710 to $3,846 per year for a 2020 Honda Civic, and $1,930 to $4,312 for a 2020 Volkswagen Jetta for these driver ages.

The 2020 Honda Civic has 17 trims available, with the cheapest trim level to insure being the LX Sedan trim at an average cost of $1,720 per year. The 2020 Volkswagen Jetta has seven option levels available, with the cheapest model to insure being the S Sedan model at an average cost of $1,986 per year, or about $166 per month.

When auto insurance rates for all 24 trim levels for both 2020 models are compared, the cheapest trim to put coverage on is the Honda Civic LX Sedan at an average rate of $1,720 per year, and the most expensive vehicle to insure is the Honda Civic Sport Touring Hatchback at a cost of $2,346 per year.

The tables shown below display the average insurance cost by trim level for both 2020 models, along with an average cost for each model. The 2020 Honda Civic has lower-cost car average car insurance rates than the 2020 Volkswagen Jetta.

2019 Honda Civic vs. Volkswagen Jetta

A 2019 Honda Civic is $338 cheaper to insure per year on average than a 2019 Volkswagen Jetta, a difference of 16.7%.

The next chart visualizes the average car insurance cost for the two models using drivers aged 20 to 50. The average cost of car insurance ranges from $1,656 to $3,728 per year for a 2019 Honda Civic, and $1,974 to $4,406 on a 2019 Volkswagen Jetta for the five driver ages sampled in the chart

Out of 18 Honda Civic trims, the cheapest 2019 trim level to insure is the SI Sedan trim at an average cost of $1,622 per year, or about $135 per month.

For the eight trims available for the Volkswagen Jetta, the cheapest 2019 trim level to insure is the R-Line Sedan trim at a cost of $1,904 per year, or $159 per month.

When rates for all 26 trim levels for the 2019 model year of both models are compared, the most affordable model and trim level to buy insurance for is the Honda Civic SI Sedan at an average of $1,622 per year, and the overall most expensive vehicle to insure is the Volkswagen Jetta GLI 2.0 Autobahn Sedan at a cost of $2,342 per year.

The next two tables detail the average insurance cost by trim level for both 2019 models, as well as the overall average rate for each model.

2018 Honda Civic vs. Volkswagen Jetta

For the 2018 Honda Civic and Volkswagen Jetta models, the Honda Civic costs less to insure by $296 per year.

The following chart illustrates the average insurance cost for both 2018 models using drivers aged 20 to 50. For a 2018 Honda Civic, average car insurance cost ranges from $1,640 to $3,660 per year for the driver ages used. Auto insurance for a 2018 Volkswagen Jetta ranges from $1,916 to $4,272 on average per year.

Out of 22 Honda Civic trims, the cheapest 2018 trim level to insure is the SI Sedan model at an average cost of $1,552 per year, or $129 per month.

For the four trim options available for the Volkswagen Jetta, the cheapest 2018 model to insure is the S Sedan model at a cost of $1,990 per year, or around $166 per month.

When rates for all 26 trim levels for both vehicles are compared, the cheapest vehicle to buy insurance for is the Honda Civic SI Sedan at an average of $1,552 per year. The most expensive trim is the Volkswagen Jetta 2.0T GLI Sedan costing an average of $2,256 per year.

The next two rate tables break down average car insurance cost by trim level for a 2018 Honda Civic and Volkswagen Jetta, along with an average cost for each model. The 2018 Honda Civic has cheaper average auto insurance rates than the 2018 Volkswagen Jetta.

2017 Honda Civic vs. Volkswagen Jetta

When comparing car insurance rates for the 2017 Honda Civic and Volkswagen Jetta models, the Honda Civic has cheaper rates by an average of $276 per year for this comparison year.

The next chart demonstrates the average cost to insure both 2017 models rated for a variety of different driver ages. The average car insurance cost ranges from $1,568 to $3,488 per year on a 2017 Honda Civic, and $1,826 to $4,056 for a 2017 Volkswagen Jetta for the driver examples in the chart

The 2017 Honda Civic has 17 trim levels available, with the cheapest trim to insure being the SI Sedan model at an average cost of $1,438 per year.

The 2017 Volkswagen Jetta has four trims available, with the cheapest trim level to insure being the S Sedan model at an average cost of $1,878 per year.

When insurance rates for all 21 trims of both models are combined and sorted by cost, the cheapest vehicle to insure is the Honda Civic SI Sedan at a cost of $1,438 per year, and the overall most expensive vehicle to insure is the Volkswagen Jetta 2.0T GLI Sedan at an average cost of $2,132 per year.

The rate tables below illustrate average car insurance rates for every trim level for both 2017 models, along with an average cost for each model.

2016 Honda Civic vs. Volkswagen Jetta

For 2016 Honda Civic and Volkswagen Jetta models, the Honda Civic is cheaper to insure by $348 per year for this comparison year.

The next chart shows the average cost to insure both models using a range of rated driver ages. For a 2016 Honda Civic, the average car insurance cost ranges from $1,456 to $3,224 per year. Insurance for a 2016 Volkswagen Jetta ranges from $1,778 to $3,942 on average per year.

The 2016 Honda Civic has 10 trims available, with the cheapest trim to insure being the LX Sedan trim at an average cost of $1,522 per year, or about $127 per month.

Out of the eight different option levels available for the Volkswagen Jetta, the cheapest 2016 model to insure is the Hybrid Sedan model at a cost of $1,788 per year, or around $149 per month.

When rates for all 18 trim levels for both vehicles are combined and compared, the most affordable model and trim level to buy insurance for is the Honda Civic LX Sedan at an average of $1,522 per year. The overall most expensive vehicle to insure is the Volkswagen Jetta 2.0T GLI SEL Sedan costing an average of $2,134 per year.

The next two tables break down average car insurance cost by trim level for a 2016 Honda Civic and Volkswagen Jetta, as well as an average rate for each model.

2015 Honda Civic vs. Volkswagen Jetta

When comparing insurance cost for the 2015 Honda Civic and Volkswagen Jetta models, the Honda Civic is cheaper to insure by $266 per year.

The next chart displays the average insurance cost for both models for different driver ages. The average cost of full-coverage insurance ranges from $1,334 to $2,944 per year on a 2015 Honda Civic, and $1,576 to $3,500 for a 2015 Volkswagen Jetta for the age groups used in the chart.

For the 13 trim levels available for the 2015 Honda Civic, the cheapest model to insure is the LX Sedan model at an average cost of $1,328 per year, or around $111 per month. For the seven trims available for the Volkswagen Jetta, the cheapest 2015 trim level to insure is the 2 Sedan model at a cost of $1,664 per year, or around $139 per month.

When comparing both models combined at a trim-level basis, the lowest-cost model and trim level to buy insurance for is the Honda Civic LX Sedan at an average cost of $1,328 per year, and the most expensive trim is the Volkswagen Jetta SEL Sedan costing an average of $1,880 per year.

The next two rate tables break down average car insurance rates for every trim level for both 2015 models, along with the average rate for each model.

Additional Honda Civic and Volkswagen Jetta Resources

• Honda Civic Insurance Cost
• Volkswagen Jetta Insurance Cost
• Small Car Insurance Cost Comparisons