Honda Accord vs Volkswagen Jetta Insurance Cost
The Honda Accord is cheaper to insure by about $15 a year for full coverage by our estimate ($1,680 vs. $1,695), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Honda Accord | Volkswagen Jetta | Difference |
|---|---|---|---|
| State minimum | $690 | $705 | −$15 |
| Standard (100/300/100) | $1,005 | $1,020 | −$15 |
| Full coverage | $1,680 | $1,695 | −$15 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Accord minus Jetta.
Why one costs more to insure
| Factor | Honda Accord | Volkswagen Jetta |
|---|---|---|
| Segment | Midsize car | Midsize car |
| Powertrains | Gasoline, Hybrid, Plug-in hybrid | Gasoline, Hybrid, Diesel |
| HLDI collision (100 = avg) | 109 | 103 |
| HLDI comprehensive | 82 | 83 |
| HLDI property damage liability | 106 | 118 |
| HLDI bodily injury liability | 138 | 132 |
| NHTSA overall rating | 5★ | 5★ |
| NICB most-stolen rank | #2 | Not in top 10 |
| Recalls (latest 3 model years) | 5 | 2 |
Collision losses are the biggest swing factor: the Honda Accord has 6 points higher relative collision losses, meaning its crash repairs cost insurers more on average. The Honda Accord appears on the NICB most-stolen list, adding to comprehensive costs.
Accord vs Jetta insurance by state
By driver profile (full coverage)
| Driver | Accord | Jetta |
|---|---|---|
| Teen driver (18, own policy) | $4,620 | $4,670 |
| Young adult (22) | $2,690 | $2,715 |
| Adult in their 30s | $1,680 | $1,695 |
| Adult in their 50s | $1,545 | $1,560 |
| Senior (72) | $1,880 | $1,900 |
| 30s, one at-fault accident | $2,435 | $2,460 |
| 30s, DUI on record | $3,105 | $3,140 |
More comparisons
Frequently asked questions
Is the Honda Accord or the Volkswagen Jetta cheaper to insure?
By our estimate the Honda Accord is cheaper, by about $15 a year for full coverage ($1,680 vs. $1,695) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Honda Accord and Volkswagen Jetta?
Mostly because of insurance-loss history: HLDI collision indices of 109 vs. 103 and comprehensive indices of 82 vs. 83 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.