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

We compared insurance rates for every trim level of Civic and Jetta back to 2015 to see which model is cheapest to insure.

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  • With 15 models in the 2024 small car segment, the Honda Civic ranks third at $2,074 per year and the Volkswagen Jetta ranks 11th at $2,370 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 $2,221 per year, the Honda Civic costs an average of $147 less per year, while the Volkswagen Jetta averages $149 more per year.

Does a Civic or Jetta have cheaper car insurance?

Average insurance rates for a 2024 Honda Civic are $2,074 per year, while insurance for a 2024 Volkswagen Jetta averages $2,370 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 $1,854 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 $2,218 per year, or $185 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 $1,854 per year, and the most expensive trim is the Volkswagen Jetta GLI Autobahn at a cost of $2,512 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.

2024 Model Year Honda Civic vs. Volkswagen Jetta Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,854$155
$1,890$158
$1,910$159
$1,932$161
$2,064$172
$2,102$175
$2,148$179
$2,162$180
$2,218$185
$2,220$185
$2,262$189
$2,344$195
$2,430$203
$2,450$204
$2,458$205
$2,512$209

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2024 Honda Civic and a 2024 Volkswagen Jetta
Annual and monthly insurance cost by trim level for a 2024 Honda Civic and a 2024 Volkswagen Jetta

The chart shown below illustrates the average cost to insure both 2024 models using drivers aged 20 to 50. Average insurance cost ranges from $1,838 to $4,110 per year for a 2024 Honda Civic, and $2,110 to $4,702 for a 2024 Volkswagen Jetta for the driver ages used.

Average car insurance premiums for 2024 Honda Civic and Volkswagen Jetta models for different driver ages.
Figure 1: Average car insurance premiums for 2024 Honda Civic and Volkswagen Jetta models for different driver ages. Rates updated on June 26, 2025.

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Data Methodology: Rates based on a 2024 model year Honda Civic and Volkswagen Jetta. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2024 Honda Civic vs. Volkswagen Jetta Insurance Cost
Driver Age Honda Civic Volkswagen Jetta
18-Year-Old$6,291$7,177
20-Year-Old$4,110$4,702
25-Year-Old$2,402$2,742
30-Year-Old$2,214$2,522
40-Year-Old$2,074$2,370
50-Year-Old$1,838$2,110
60-Year-Old$1,718$1,970

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year. Updated June 26, 2025

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

2024 Honda Civic

$2,074

Insurance Rates by Trim Level for a 2024 Honda Civic
2024 Honda Civic TrimsRate
LX$1,854
LX Hatchback1,890
Sport1,910
Sport Hatchback1,932
Sport Touring Hatchback2,064
EX-L Hatchback2,102
Touring2,148
EX2,162
Si2,220
Type R2,458
2024 Honda Civic Average Rate$2,074

2024 Volkswagen Jetta

$2,370

Insurance Rates by Trim Level for 2024 Honda Civic
2024 Volkswagen Jetta TrimsRate
S$2,218
Sport2,262
SE2,344
GLI 40th Anniversary Edition2,430
SEL2,450
GLI Autobahn2,512
2024 Volkswagen Jetta Average Rate$2,370

2023 Honda Civic vs. Volkswagen Jetta

Insurance on a 2023 Honda Civic averages $2,214 per year, whereas a 2023 Volkswagen Jetta averages $2,074 per year, making the Volkswagen Jetta the better deal by $140 per year.

Out of eight trims for the 2023 Honda Civic, the cheapest insurance rates are on the Sport model at a cost of $2,066 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 $1,956.

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 $1,956 per year, and the highest-cost model and trim is the Honda Civic Type R costing $2,444 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.

2023 Model Year Honda Civic vs. Volkswagen Jetta Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,956$163
$1,986$166
$2,066$172
$2,068$172
$2,092$174
$2,114$176
$2,154$180
$2,166$181
$2,178$182
$2,212$184
$2,322$194
$2,344$195
$2,444$204

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2023 Honda Civic and a 2023 Volkswagen Jetta
Annual and monthly insurance cost by trim level for a 2023 Honda Civic and a 2023 Volkswagen Jetta

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 $1,970 to $4,428 per year for a 2023 Honda Civic, and $1,856 to $4,116 for a 2023 Volkswagen Jetta.

Average car insurance premiums for 2023 Honda Civic and Volkswagen Jetta models for different driver ages.
Figure 2: Average car insurance premiums for 2023 Honda Civic and Volkswagen Jetta models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2023 model year Honda Civic and Volkswagen Jetta. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2023 Honda Civic vs. Volkswagen Jetta Insurance Cost
Driver Age Honda Civic Volkswagen Jetta
18-Year-Old$6,781$6,276
20-Year-Old$4,428$4,116
25-Year-Old$2,568$2,398
30-Year-Old$2,356$2,200
40-Year-Old$2,214$2,074
50-Year-Old$1,970$1,856
60-Year-Old$1,840$1,732

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2023 model year. Updated June 27, 2025

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.

2023 Honda Civic

$2,214

Insurance Rates by Trim Level for a 2023 Honda Civic
2023 Honda Civic TrimsRate
Sport$2,066
Sport Hatchback2,092
EX2,114
EX-L Hatchback2,166
Si2,178
Touring2,322
Sport Touring Hatchback2,344
Type R2,444
2023 Honda Civic Average Rate$2,214

2023 Volkswagen Jetta

$2,074

Insurance Rates by Trim Level for 2023 Honda Civic
2023 Volkswagen Jetta TrimsRate
S$1,956
Sport1,986
SE2,068
SEL2,154
GLI Autobahn2,212
2023 Volkswagen Jetta Average Rate$2,074

2022 Honda Civic vs. Volkswagen Jetta

Car insurance on a 2022 Honda Civic costs an average of $2,106 per year, and insurance for a 2022 Volkswagen Jetta costs an average of $2,074 per year, making the Volkswagen Jetta the winner with cheaper average insurance rates.

For a 2022 Honda Civic, average insurance rates range from $1,960 per year for the LX model up to $2,300 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 $1,912 per year for the S model up to $2,184 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.

2022 Model Year Honda Civic vs. Volkswagen Jetta Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,912$159
$1,960$163
$1,996$166
$2,008$167
$2,034$170
$2,036$170
$2,040$170
$2,058$172
$2,098$175
$2,104$175
$2,110$176
$2,112$176
$2,112$176
$2,142$179
$2,184$182
$2,238$187
$2,268$189
$2,300$192

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2022 Honda Civic and a 2022 Volkswagen Jetta
Annual and monthly insurance cost by trim level for a 2022 Honda Civic and a 2022 Volkswagen Jetta

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 $1,874 to $4,222 per year for the different drivers illustrated in the chart. Full-coverage insurance for a 2022 Volkswagen Jetta ranges from $1,856 to $4,124 on average per year.

Average car insurance premiums for 2022 Honda Civic and Volkswagen Jetta models for different driver ages.
Figure 3: Average car insurance premiums for 2022 Honda Civic and Volkswagen Jetta models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2022 model year Honda Civic and Volkswagen Jetta. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2022 Honda Civic vs. Volkswagen Jetta Insurance Cost
Driver Age Honda Civic Volkswagen Jetta
18-Year-Old$6,466$6,293
20-Year-Old$4,222$4,124
25-Year-Old$2,444$2,398
30-Year-Old$2,244$2,200
40-Year-Old$2,106$2,074
50-Year-Old$1,874$1,856
60-Year-Old$1,754$1,732

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2022 model year. Updated June 27, 2025

Out of 11 Honda Civic trims, the cheapest 2022 model to insure is the LX model at an average cost of $1,960 per year, or $163 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 $1,912 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 $1,912 per year. The highest-cost model and trim level is the Honda Civic Type R costing $2,300 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.

2022 Honda Civic

$2,106

Insurance Rates by Trim Level for a 2022 Honda Civic
2022 Honda Civic TrimsRate
LX$1,960
LX Hatchback1,996
Sport2,008
Sport Hatchback2,040
EX2,058
EX-L Hatchback2,104
Si2,110
Si HPT2,112
Touring2,238
Sport Touring Hatchback2,268
Type R2,300
2022 Honda Civic Average Rate$2,106

2022 Volkswagen Jetta

$2,074

Insurance Rates by Trim Level for 2022 Honda Civic
2022 Volkswagen Jetta TrimsRate
S$1,912
R-Line2,034
SE2,036
SEL2,098
GLI S2,112
SEL Premium2,142
GLI Autobahn2,184
2022 Volkswagen Jetta Average Rate$2,074

2021 Honda Civic vs. Volkswagen Jetta

For the 2021 Honda Civic and Volkswagen Jetta models, the Honda Civic costs less to insure by $238 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 $1,710 to $3,838 per year for the five different driver ages shown in the chart. A full-coverage policy on a 2021 Volkswagen Jetta costs from $1,932 to $4,320 on average per year.

Average car insurance premiums for 2021 Honda Civic and Volkswagen Jetta models for different driver ages.
Figure 4: Average car insurance premiums for 2021 Honda Civic and Volkswagen Jetta models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2021 model year Honda Civic and Volkswagen Jetta. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2021 Honda Civic vs. Volkswagen Jetta Insurance Cost
Driver Age Honda Civic Volkswagen Jetta
18-Year-Old$5,882$6,604
20-Year-Old$3,838$4,320
25-Year-Old$2,222$2,498
30-Year-Old$2,038$2,284
40-Year-Old$1,918$2,156
50-Year-Old$1,710$1,932
60-Year-Old$1,600$1,806

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2021 model year. Updated June 26, 2025

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 $1,730 per year, or around $144 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 $1,988 per year, or around $166 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 $1,730 per year. The most expensive vehicle to insure is the Honda Civic Sport Touring Hatchback at an average of $2,354 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.

2021 Honda Civic

$1,918

Insurance Rates by Trim Level for a 2021 Honda Civic
2021 Honda Civic TrimsRate
LX Sedan$1,730
LX Hatchback1,762
Sport Sedan1,794
EX Sedan1,826
Sport Hatchback1,826
LX Coupe1,884
EX Hatchback1,892
EX-L Navi Hatchback1,892
EX-L Sedan1,892
EX Coupe1,950
Touring Sedan2,058
Touring Hatchback2,104
Sport Touring Hatchback2,354
2021 Honda Civic Average Rate$1,918

2021 Volkswagen Jetta

$2,156

Insurance Rates by Trim Level for 2021 Honda Civic
2021 Volkswagen Jetta TrimsRate
S Sedan$1,988
R-Line Sedan2,000
SE Sedan2,116
SEL Sedan2,180
GLI 2.0 S Sedan2,246
SEL Premium Sedan2,246
GLI 2.0 Autobahn Sedan2,324
2021 Volkswagen Jetta Average Rate$2,156

2020 Honda Civic vs. Volkswagen Jetta

A 2020 Honda Civic costs $226 less per year to insure per year on average than a 2020 Volkswagen Jetta, a difference of 11.4%.

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 $1,670 to $3,752 per year for a 2020 Honda Civic, and $1,882 to $4,208 for a 2020 Volkswagen Jetta for these driver ages.

Average car insurance premiums for 2020 Honda Civic and Volkswagen Jetta models for different driver ages.
Figure 5: Average car insurance premiums for 2020 Honda Civic and Volkswagen Jetta models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2020 model year Honda Civic and Volkswagen Jetta. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2020 Honda Civic vs. Volkswagen Jetta Insurance Cost
Driver Age Honda Civic Volkswagen Jetta
18-Year-Old$5,747$6,431
20-Year-Old$3,752$4,208
25-Year-Old$2,170$2,430
30-Year-Old$1,992$2,224
40-Year-Old$1,874$2,100
50-Year-Old$1,670$1,882
60-Year-Old$1,562$1,758

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2020 model year. Updated June 27, 2025

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 $1,680 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 $1,938 per year, or about $162 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 $1,680 per year, and the most expensive vehicle to insure is the Honda Civic Sport Touring Hatchback at a cost of $2,290 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.

2020 Honda Civic

$1,874

Insurance Rates by Trim Level for a 2020 Honda Civic
2020 Honda Civic TrimsRate
LX Sedan$1,680
LX Hatchback1,712
Sport Sedan1,740
EX Sedan1,772
Sport Hatchback1,772
SI Sedan1,798
EX Hatchback1,834
EX-L Navi Hatchback1,834
EX-L Sedan1,834
LX Coupe1,834
Sport Coupe1,864
EX Coupe1,894
Touring Coupe1,964
SI Coupe2,000
Touring Sedan2,000
Touring Hatchback2,042
Sport Touring Hatchback2,290
2020 Honda Civic Average Rate$1,874

2020 Volkswagen Jetta

$2,100

Insurance Rates by Trim Level for 2020 Honda Civic
2020 Volkswagen Jetta TrimsRate
S Sedan$1,938
R-Line Sedan1,948
SE Sedan2,062
SEL Sedan2,122
GLI 2.0 S Sedan2,186
SEL Premium Sedan2,186
GLI 2.0 Autobahn Sedan2,260
2020 Volkswagen Jetta Average Rate$2,100

2019 Honda Civic vs. Volkswagen Jetta

A 2019 Honda Civic is $332 cheaper to insure per year on average than a 2019 Volkswagen Jetta, a difference of 16.8%.

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 $1,616 to $3,644 per year for a 2019 Honda Civic, and $1,928 to $4,300 on a 2019 Volkswagen Jetta for the five driver ages sampled in the chart

Average car insurance premiums for 2019 Honda Civic and Volkswagen Jetta models for different driver ages.
Figure 6: Average car insurance premiums for 2019 Honda Civic and Volkswagen Jetta models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2019 model year Honda Civic and Volkswagen Jetta. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2019 Honda Civic vs. Volkswagen Jetta Insurance Cost
Driver Age Honda Civic Volkswagen Jetta
18-Year-Old$5,580$6,573
20-Year-Old$3,644$4,300
25-Year-Old$2,100$2,478
30-Year-Old$1,924$2,264
40-Year-Old$1,812$2,144
50-Year-Old$1,616$1,928
60-Year-Old$1,514$1,796

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2019 model year. Updated June 26, 2025

Out of 18 Honda Civic trims, the cheapest 2019 trim level to insure is the SI Sedan trim at an average cost of $1,584 per year, or about $132 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 $1,860 per year, or $155 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 $1,584 per year, and the overall most expensive vehicle to insure is the Volkswagen Jetta GLI 2.0 Autobahn Sedan at a cost of $2,290 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.

2019 Honda Civic

$1,812

Insurance Rates by Trim Level for a 2019 Honda Civic
2019 Honda Civic TrimsRate
SI Sedan$1,584
LX Hatchback1,702
LX Sedan1,702
LX Coupe1,720
Sport Coupe1,720
Sport Sedan1,732
EX Hatchback1,762
EX Sedan1,762
Sport Hatchback1,762
EX Coupe1,780
EX-L Sedan1,822
EX-L Navigation Hatchback1,882
Touring Coupe1,882
Touring Sedan1,882
SI Coupe1,924
Touring Hatchback1,924
Type-R Hatchback2,040
Sport Touring Hatchback2,062
2019 Honda Civic Average Rate$1,812

2019 Volkswagen Jetta

$2,144

Insurance Rates by Trim Level for 2019 Honda Civic
2019 Volkswagen Jetta TrimsRate
R-Line Sedan$1,860
S Sedan2,010
SE Sedan2,128
SEL Sedan2,188
GLI 2.0 S Sedan2,208
GLI 2.0 35th Anniversary Edition Sedan2,230
SEL Premium Sedan2,230
GLI 2.0 Autobahn Sedan2,290
2019 Volkswagen Jetta Average Rate$2,144

2018 Honda Civic vs. Volkswagen Jetta

For the 2018 Honda Civic and Volkswagen Jetta models, the Honda Civic costs less to insure by $288 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 $1,602 to $3,572 per year for the driver ages used. Auto insurance for a 2018 Volkswagen Jetta ranges from $1,870 to $4,170 on average per year.

Average car insurance premiums for 2018 Honda Civic and Volkswagen Jetta models for different driver ages.
Figure 7: Average car insurance premiums for 2018 Honda Civic and Volkswagen Jetta models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2018 model year Honda Civic and Volkswagen Jetta. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2018 Honda Civic vs. Volkswagen Jetta Insurance Cost
Driver Age Honda Civic Volkswagen Jetta
18-Year-Old$5,453$6,364
20-Year-Old$3,572$4,170
25-Year-Old$2,070$2,400
30-Year-Old$1,896$2,192
40-Year-Old$1,790$2,078
50-Year-Old$1,602$1,870
60-Year-Old$1,496$1,746

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2018 model year. Updated June 26, 2025

Out of 22 Honda Civic trims, the cheapest 2018 trim level to insure is the SI Sedan model at an average cost of $1,512 per year, or $126 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 $1,944 per year, or around $162 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 $1,512 per year. The most expensive trim is the Volkswagen Jetta 2.0T GLI Sedan costing an average of $2,204 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.

2018 Honda Civic

$1,790

Insurance Rates by Trim Level for a 2018 Honda Civic
2018 Honda Civic TrimsRate
SI Sedan$1,512
LX Coupe1,648
EX-T Coupe1,704
LX-P Coupe1,704
LX Sedan1,716
Type-R Hatchback1,736
LX Hatchback1,754
EX-L Coupe1,760
EX Sedan1,772
EX-T Sedan1,772
LX Honda Sensing Sedan1,772
Sport Hatchback1,800
EX Hatchback1,828
EX Honda Sensing Sedan1,828
EX-T Honda Sensing Sedan1,828
EX-TL Sedan1,828
SI Coupe1,842
Touring Coupe1,854
EX-TL Honda Sensing Sedan1,884
EX-L Hatchback1,912
Touring Sedan1,940
Sport Touring Hatchback1,978
2018 Honda Civic Average Rate$1,790

2018 Volkswagen Jetta

$2,078

Insurance Rates by Trim Level for 2018 Honda Civic
2018 Volkswagen Jetta TrimsRate
S Sedan$1,944
SE Sedan2,018
SEL Sedan2,150
2.0T GLI Sedan2,204
2018 Volkswagen Jetta Average Rate$2,078

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 $268 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 $1,530 to $3,402 per year on a 2017 Honda Civic, and $1,780 to $3,960 for a 2017 Volkswagen Jetta for the driver examples in the chart

Average car insurance premiums for 2017 Honda Civic and Volkswagen Jetta models for different driver ages.
Figure 8: Average car insurance premiums for 2017 Honda Civic and Volkswagen Jetta models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2017 model year Honda Civic and Volkswagen Jetta. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2017 Honda Civic vs. Volkswagen Jetta Insurance Cost
Driver Age Honda Civic Volkswagen Jetta
18-Year-Old$5,191$6,035
20-Year-Old$3,402$3,960
25-Year-Old$1,972$2,280
30-Year-Old$1,808$2,080
40-Year-Old$1,706$1,974
50-Year-Old$1,530$1,780
60-Year-Old$1,426$1,664

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2017 model year. Updated June 26, 2025

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 $1,404 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 $1,834 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 $1,404 per year, and the overall most expensive vehicle to insure is the Volkswagen Jetta 2.0T GLI Sedan at an average cost of $2,082 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.

2017 Honda Civic

$1,706

Insurance Rates by Trim Level for a 2017 Honda Civic
2017 Honda Civic TrimsRate
SI Sedan$1,404
LX Coupe1,594
LX-P Coupe1,594
EX Coupe1,648
LX Hatchback1,664
LX Sedan1,664
Type-R Touring Hatchback1,668
EX-L Coupe1,700
EX Sedan1,718
Sport Hatchback1,718
SI Coupe1,726
EX-L Sedan1,762
EX Hatchback1,770
Touring Coupe1,790
EX-L Hatchback1,822
Touring Sedan1,876
Sport Touring Hatchback1,912
2017 Honda Civic Average Rate$1,706

2017 Volkswagen Jetta

$1,974

Insurance Rates by Trim Level for 2017 Honda Civic
2017 Volkswagen Jetta TrimsRate
S Sedan$1,834
SE Sedan1,940
SEL Sedan2,044
2.0T GLI Sedan2,082
2017 Volkswagen Jetta Average Rate$1,974

2016 Honda Civic vs. Volkswagen Jetta

For 2016 Honda Civic and Volkswagen Jetta models, the Honda Civic is cheaper to insure by $338 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 $1,422 to $3,146 per year. Insurance for a 2016 Volkswagen Jetta ranges from $1,734 to $3,848 on average per year.

Average car insurance premiums for 2016 Honda Civic and Volkswagen Jetta models for different driver ages.
Figure 9: Average car insurance premiums for 2016 Honda Civic and Volkswagen Jetta models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2016 model year Honda Civic and Volkswagen Jetta. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2016 Honda Civic vs. Volkswagen Jetta Insurance Cost
Driver Age Honda Civic Volkswagen Jetta
18-Year-Old$4,785$5,861
20-Year-Old$3,146$3,848
25-Year-Old$1,830$2,220
30-Year-Old$1,674$2,024
40-Year-Old$1,586$1,924
50-Year-Old$1,422$1,734
60-Year-Old$1,326$1,616

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2016 model year. Updated June 27, 2025

The 2016 Honda Civic has 10 trims available, with the cheapest trim to insure being the LX Sedan trim at an average cost of $1,490 per year, or about $124 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 $1,748 per year, or around $146 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 $1,490 per year. The overall most expensive vehicle to insure is the Volkswagen Jetta 2.0T GLI SEL Sedan costing an average of $2,084 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.

2016 Honda Civic

$1,586

Insurance Rates by Trim Level for a 2016 Honda Civic
2016 Honda Civic TrimsRate
LX Sedan$1,490
LX Coupe1,504
EX Sedan1,546
EX-T Sedan1,570
EX-TL Sedan1,594
EX-L Coupe1,600
EX-T Coupe1,600
LX-P Coupe1,600
Touring Sedan1,666
Touring Coupe1,682
2016 Honda Civic Average Rate$1,586

2016 Volkswagen Jetta

$1,924

Insurance Rates by Trim Level for 2016 Honda Civic
2016 Volkswagen Jetta TrimsRate
Hybrid Sedan$1,748
S Sedan1,810
SE Sedan1,858
Sport Sedan1,906
SEL Sedan1,956
SEL Premium Sedan1,988
2.0T GLI SE Sedan2,036
2.0T GLI SEL Sedan2,084
2016 Volkswagen Jetta Average Rate$1,924

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 $258 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 $1,304 to $2,876 per year on a 2015 Honda Civic, and $1,538 to $3,416 for a 2015 Volkswagen Jetta for the age groups used in the chart.

Average car insurance premiums for 2015 Honda Civic and Volkswagen Jetta models for different driver ages.
Figure 10: Average car insurance premiums for 2015 Honda Civic and Volkswagen Jetta models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2015 model year Honda Civic and Volkswagen Jetta. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2015 Honda Civic vs. Volkswagen Jetta Insurance Cost
Driver Age Honda Civic Volkswagen Jetta
18-Year-Old$4,368$5,210
20-Year-Old$2,876$3,416
25-Year-Old$1,664$1,970
30-Year-Old$1,524$1,800
40-Year-Old$1,446$1,704
50-Year-Old$1,304$1,538
60-Year-Old$1,214$1,434

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2015 model year. Updated June 26, 2025

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 $1,298 per year, or around $108 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 $1,622 per year, or around $135 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 $1,298 per year, and the most expensive trim is the Volkswagen Jetta SEL Sedan costing an average of $1,832 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.

2015 Honda Civic

$1,446

Insurance Rates by Trim Level for a 2015 Honda Civic
2015 Honda Civic TrimsRate
LX Sedan$1,298
SE Sedan1,298
EX Sedan1,342
HF Sedan1,342
EX-L Sedan1,390
SI Sedan1,390
CNG Sedan1,448
LX Coupe1,504
Hybrid L Sedan1,530
EX Coupe1,540
Hybrid Sedan1,540
EX-L Coupe1,588
SI Coupe1,588
2015 Honda Civic Average Rate$1,446

2015 Volkswagen Jetta

$1,704

Insurance Rates by Trim Level for 2015 Honda Civic
2015 Volkswagen Jetta TrimsRate
2 Sedan$1,622
S Sedan1,622
Hybrid Sedan1,648
SE Sedan1,668
2.0T S Sedan Turbo Diesel1,712
2.0T GLI SE Sedan1,832
SEL Sedan1,832
2015 Volkswagen Jetta Average Rate$1,704

Additional Honda Civic and Volkswagen Jetta Resources