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 $1,680 per year and the Volkswagen Jetta ranks 11^th at $1,918 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 $1,883 per year, the Honda Civic costs an average of $203 less per year, while the Volkswagen Jetta averages $35 more per year.

Does a Civic or Jetta have cheaper car insurance?

Average insurance rates for a 2024 Honda Civic are $1,680 per year, while insurance for a 2024 Volkswagen Jetta averages $1,918 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 $1,502 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 $1,796 per year, or $150 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 $1,502 per year, and the most expensive trim is the Volkswagen Jetta GLI Autobahn at a cost of $2,034 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 $1,490 to $3,332 per year for a 2024 Honda Civic, and $1,712 to $3,810 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 $1,806 per year, whereas a 2023 Volkswagen Jetta averages $1,682 per year, making the Volkswagen Jetta the better deal by $124 per year.

Out of eight trims for the 2023 Honda Civic, the cheapest insurance rates are on the Sport model at a cost of $1,684 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 $1,586.

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 $1,586 per year, and the highest-cost model and trim is the Honda Civic Type R costing $1,990 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 $1,604 to $3,612 per year for a 2023 Honda Civic, and $1,504 to $3,336 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 $1,710 per year, and insurance for a 2022 Volkswagen Jetta costs an average of $1,680 per year, making the Volkswagen Jetta the winner with cheaper average insurance rates.

For a 2022 Honda Civic, average insurance rates range from $1,592 per year for the LX model up to $1,868 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 $1,550 per year for the S model up to $1,770 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 $1,522 to $3,428 per year for the different drivers illustrated in the chart. Full-coverage insurance for a 2022 Volkswagen Jetta ranges from $1,504 to $3,342 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 $1,592 per year, or $133 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 $1,550 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 $1,550 per year. The highest-cost model and trim level is the Honda Civic Type R costing $1,868 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 $196 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 $1,386 to $3,112 per year for the five different driver ages shown in the chart. A full-coverage policy on a 2021 Volkswagen Jetta costs from $1,566 to $3,500 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 $1,402 per year, or around $117 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 $1,612 per year, or around $134 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 $1,402 per year. The most expensive vehicle to insure is the Honda Civic Sport Touring Hatchback at an average of $1,908 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 $184 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 $1,350 to $3,040 per year for a 2020 Honda Civic, and $1,526 to $3,410 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 $1,362 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 $1,570 per year, or about $131 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 $1,362 per year, and the most expensive vehicle to insure is the Honda Civic Sport Touring Hatchback at a cost of $1,858 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 $264 cheaper to insure per year on average than a 2019 Volkswagen Jetta, a difference of 16.5%.

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 $1,310 to $2,952 per year for a 2019 Honda Civic, and $1,562 to $3,488 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 $1,284 per year, or about $107 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 $1,504 per year, or $125 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 $1,284 per year, and the overall most expensive vehicle to insure is the Volkswagen Jetta GLI 2.0 Autobahn Sedan at a cost of $1,854 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 $234 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 $1,298 to $2,896 per year for the driver ages used. Auto insurance for a 2018 Volkswagen Jetta ranges from $1,516 to $3,378 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 $1,226 per year, or $102 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 $1,574 per year, or around $131 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 $1,226 per year. The most expensive trim is the Volkswagen Jetta 2.0T GLI Sedan costing an average of $1,786 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 $216 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 $1,242 to $2,756 per year on a 2017 Honda Civic, and $1,444 to $3,206 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 $1,136 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 $1,488 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 $1,136 per year, and the overall most expensive vehicle to insure is the Volkswagen Jetta 2.0T GLI Sedan at an average cost of $1,688 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 $276 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 $1,152 to $2,550 per year. Insurance for a 2016 Volkswagen Jetta ranges from $1,406 to $3,118 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 $1,206 per year, or about $101 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 $1,414 per year, or around $118 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 $1,206 per year. The overall most expensive vehicle to insure is the Volkswagen Jetta 2.0T GLI SEL Sedan costing an average of $1,688 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 $208 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 $1,060 to $2,338 per year on a 2015 Honda Civic, and $1,248 to $2,770 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 $1,056 per year, or around $88 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 $1,318 per year, or around $110 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 $1,056 per year, and the most expensive trim is the Volkswagen Jetta SEL Sedan costing an average of $1,486 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