Ultimate Guide to Volkswagen Jetta Insurance

• VW Jetta car insurance rates average $1,654 per year, $827 for a 6-month policy, or $138 per month, depending on the trim level.
• The Jetta model with the cheapest insurance rates is the S trim level at $1,562 per year.
• The Volkswagen Jetta GLI Autobahn has the highest rates at $1,762 per year.
• Out of 15 vehicles in the 2023 small car segment, the Jetta ranks second for insurance affordability.

How much does Jetta insurance cost?

Average Volkswagen Jetta insurance cost is $1,654 a year, or $138 each month. Expect to pay approximately $150 less annually to insure a Volkswagen Jetta compared to the overall small car class average rate of $1,804, and $74 less per year than the all-vehicle national average of $1,728.

Depending on the trim level being insured, monthly car insurance cost for a 2023 Volkswagen Jetta ranges from $130 to $147. The cheapest Jetta to insure is the S model and the most expensive is the GLI Autobahn.

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

As you can see from 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 $12,586 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 $1,562 per year. The next cheapest model to insure the Sport trim at $1,586 per year.

Drivers can expect to have a monthly payment of around $130 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 $1,762 and the SEL at $1,718 per year. Those two trim levels will cost an extra $200 and $156 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.

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 $1,654 per year to insure and the class average cost is $1,804 annually, making the Jetta $150 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, $28 less than the Nissan Sentra, and $324 less than the Hyundai Elantra.

When compared to all vehicles (not just the compact car segment), average VW Jetta insurance rates cost 4.4% less than the national average car insurance rate of $1,728 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.

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 the 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 $324 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 $156 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 $84 more each year than the Volkswagen Jetta.

A list of additional comparisons can be found on our insurance cost comparisons page which 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.

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.