Ultimate Guide to Volkswagen Jetta Insurance

Does a Volkswagen Jetta have expensive car insurance?

We compared the average cost for the least expensive S model to the more expensive GLI Autobahn trim to discover how insurance rates for the Jetta measure up to the entire small car segment.

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How much does Jetta insurance cost?

Average Volkswagen Jetta insurance cost is $1,610 a year, or $134 each month. Expect to pay approximately $147 less annually to insure a Volkswagen Jetta compared to the overall small car class average rate of $1,757, and $75 less per year than the all-vehicle national average of $1,685.

Depending on the trim level being insured, monthly car insurance cost for a 2023 Volkswagen Jetta ranges from $127 to $143. The cheapest Jetta to insure is the S model and the most expensive is the GLI Autobahn.

The chart below displays average car insurance cost on a 2023 Volkswagen Jetta using a range of different policy rating factors.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Volkswagen Jetta with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Volkswagen Jetta trim levels.Data last updated on January 23, 2023
Volkswagen Jetta Insurance Cost Summary
Volkswagen Jetta Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,610$301
Safe Driver Age 20$3,164$264
At-fault Accidents Age 40$2,272$189
Low Deductibles Age 40$2,026$169
Safe Driver Age 30$1,680$140
Safe Driver Age 40$1,610$134
Safe Driver Age 50$1,468$122
Safe Driver Age 60$1,438$120
High Deductibles Age 40$1,392$116
Discount Rate Age 40$1,340$112

As you can see by the chart above, there is a lot of variability in car insurance rates. Here’s a super ridiculous number that illustrates this fact. If we showed every rate for every conceivable risk profile, including all five Volkswagen Jetta trim levels and all 41,692 zip codes in the U.S., the result would be approximately 483,840,000,000 different possible insurance rates for a Volkswagen Jetta. (Mic drop)

Another more relatable example is a Jetta insurance policy with only liability coverage in some parts of North Carolina or Iowa may cost as little as $229 a year, while a teen driver with an at-fault accident and maybe a few speeding tickets in some urban areas in California could have to pay as much as $12,414 a year for a policy with full coverage.

Again, there is a lot of variability in that example so our solution: get a quote. It’s really the best way to find out how much insurance is going to cost without sifting through about 480 billion rates.

What is the cheapest VW Jetta insurance?

The cheapest Volkswagen Jetta insurance can be found on the S model at an estimated $1,520 per year. The next cheapest model to insure the Sport trim at $1,542 per year.

Drivers can expect to have a monthly payment of around $127 to insure those models for full coverage. This value can change substantially based on the age of the driver, their driving record, and the policy coverages, however.

The most expensive VW Jetta insurance cost is for the GLI Autobahn at $1,716 and the SEL at $1,672 per year. Those two trim levels will cost an extra $196 and $152 per year, respectively, over the lowest cost S model.

The next table details the estimated annual and semi-annual policy costs, in addition to a monthly amount for budgeting, for each Volkswagen Jetta model trim level.

2023 Volkswagen Jetta Insurance Cost by Trim Level
Volkswagen Jetta Trim Level Annual Policy 6-month Policy Per Month
S$1,520$760$127
Sport$1,542$771$129
SE$1,604$802$134
SEL$1,672$836$139
GLI Autobahn$1,716$858$143

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Volkswagen Jetta, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Volkswagen Jetta Insurance Cost by Trim Level

Is Volkswagen Jetta insurance expensive?

The Volkswagen Jetta ranks second out of 15 total comparison vehicles in the 2023 compact car segment. The Jetta costs $1,610 per year to insure and the class average cost is $1,757 annually, making the Jetta $147 less expensive per year on average.

When compared directly to the top-selling vehicles in the small car segment, insurance for a VW Jetta costs $118 less per year than the Honda Civic, $46 less than the Toyota Corolla, $26 less than the Nissan Sentra, and $318 less than the Hyundai Elantra.

When compared to all vehicles (not just the compact car segment), average VW Jetta insurance rates cost 4.5% less than the national average car insurance rate of $1,685 per year.

The table below shows how average car insurance rates for a Volkswagen Jetta fare against the entire lineup of compact cars for the 2023 model year.

Insurance Cost Comparison: Volkswagen Jetta vs Small Cars
Rank Make/Model Insurance Cost Difference
1Subaru Impreza$1,462-$148
2Volkswagen Jetta$1,610--
3Nissan Sentra$1,636$26
4Toyota Corolla$1,656$46
5Volkswagen Golf$1,660$50
6Toyota Prius$1,662$52
7Mazda 3$1,690$80
8Honda Civic$1,728$118
9Kia Forte$1,730$120
10Mitsubishi Mirage G4$1,738$128
11Nissan Leaf$1,778$168
12Nissan Versa$1,882$272
13Hyundai Elantra$1,928$318
14Toyota GR Corolla$2,004$394
15Toyota Mirai$2,190$580

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Insurance Cost Comparison: Volkswagen Jetta vs Small Cars

Comparing average car insurance rates for a Jetta to models with similar MSRP can provide additional insight into insurance affordability. The 2023 Volkswagen Jetta has an average MSRP of $25,315, ranging from the cheapest S model at $20,665 to the most expensive GLI Autobahn costing $31,585.

The four models closest in cost to the Volkswagen Jetta are the Hyundai Elantra, Toyota Corolla, Subaru Impreza, and Mazda 3. Here’s how those models compare to a Jetta by purchase price and average cost of insurance.

  • Volkswagen Jetta vs. Hyundai Elantra – Having an average sticker price of $25,957 ($20,500 to $32,650), the Hyundai Elantra costs $642 more than the average cost of the Volkswagen Jetta. Anticipate paying an average of $318 more each year to insure the Hyundai Elantra compared to a Jetta.
  • Volkswagen Jetta vs. Toyota Corolla – With an average sticker price of $24,524 and ranging from $21,550 to $26,700, the 2023 Toyota Corolla costs $791 less than the average MSRP for the Volkswagen Jetta. Anticipate paying around $46 more each year for full-coverage insurance on the Toyota Corolla compared to a Jetta.
  • Volkswagen Jetta vs. Subaru Impreza – The Subaru Impreza has an average sticker price of $23,281 ($19,795 to $27,395), which is $2,034 cheaper than the MSRP for the Volkswagen Jetta. Full-coverage car insurance on the Subaru Impreza costs an average of $148 less per year than the Volkswagen Jetta.
  • Volkswagen Jetta vs. Mazda 3 – With an average MSRP of $27,908 and ranging from $22,550 to $35,300, the Mazda 3 costs $2,593 more than the average cost for the Volkswagen Jetta. Full-coverage insurance for the Mazda 3 costs an average of $80 more each year than the Volkswagen Jetta.

A list of additional comparisons can be found on our insurance cost comparisons page that includes many more makes and models of vehicles.

VW Jetta prior model year insurance rates

One of the factors that determine how much your insurance costs is the age of the vehicle. An older Jetta is worth less than a newer model due to depreciation. Because of this, older models generally cost a little less to insure.

The table below details average insurance rates for Jetta models from the 2013 model year up to the latest 2023 model year.

Volkswagen Jetta Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 Volkswagen Jetta$3,164$1,610$1,438
2022 Volkswagen Jetta$3,172$1,612$1,438
2021 Volkswagen Jetta$3,326$1,682$1,506
2020 Volkswagen Jetta$3,292$1,662$1,490
2019 Volkswagen Jetta$3,386$1,712$1,532
2018 Volkswagen Jetta$3,346$1,688$1,516
2017 Volkswagen Jetta$3,186$1,610$1,444
2016 Volkswagen Jetta$3,170$1,600$1,434
2015 Volkswagen Jetta$2,820$1,426$1,276
2014 Volkswagen Jetta$2,488$1,254$1,126
2013 Volkswagen Jetta$2,424$1,220$1,096

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Volkswagen Jetta Insurance Cost by Model Year

Occasionally, as you may have noted in the rates above, newer models are actually cheaper to insure than older models. This can be due to newer models being safer to drive, or repair costs being lower on newer models.