Estimates, not quotes

Tesla Model 3 vs Volkswagen Jetta Insurance Cost

The Tesla Model 3 is cheaper to insure by about $25 a year for full coverage by our estimate ($1,670 vs. $1,695), and cheaper in 31 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageTesla Model 3Volkswagen JettaDifference
State minimum$590$705−$115
Standard (100/300/100)$855$1,020−$165
Full coverage$1,670$1,695−$25

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Model 3 minus Jetta.

Why one costs more to insure

FactorTesla Model 3Volkswagen Jetta
SegmentMidsize carMidsize car
PowertrainsElectricGasoline, Hybrid, Diesel
HLDI collision (100 = avg)133103
HLDI comprehensive8783
HLDI property damage liability98118
HLDI bodily injury liability91132
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)42

Collision losses are the biggest swing factor: the Tesla Model 3 has 30 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Model 3 vs Jetta insurance by state

StateModel 3JettaDifference
Alabama$1,470$1,465+$5
Alaska$1,480$1,485−$5
Arizona$1,735$1,780−$45
Arkansas$1,490$1,470+$20
California$1,690$1,665+$25
Colorado$1,860$1,900−$40
Connecticut$1,770$1,820−$50
Delaware$1,830$1,920−$90
District of Columbia$2,135$2,140−$5
Florida$2,320$2,470−$150
Georgia$2,035$2,125−$90
Hawaii$1,185$1,170+$15
Idaho$1,135$1,150−$15
Illinois$1,460$1,465−$5
Indiana$1,195$1,200−$5
Iowa$1,135$1,120+$15
Kansas$1,325$1,325—
Kentucky$1,395$1,430−$35
Louisiana$2,290$2,350−$60
Maine$1,080$1,075+$5
Maryland$1,870$1,915−$45
Massachusetts$1,665$1,670−$5
Michigan$1,840$1,845−$5
Minnesota$1,385$1,390−$5
Mississippi$1,595$1,605−$10
Missouri$1,510$1,520−$10
Montana$1,325$1,320+$5
Nebraska$1,330$1,325+$5
Nevada$1,880$1,990−$110
New Hampshire$1,210$1,205+$5
New Jersey$1,990$2,075−$85
New Mexico$1,500$1,510−$10
New York$2,215$2,305−$90
North Carolina$1,280$1,250+$30
North Dakota$1,075$1,050+$25
Ohio$1,205$1,205—
Oklahoma$1,505$1,500+$5
Oregon$1,480$1,540−$60
Pennsylvania$1,480$1,465+$15
Rhode Island$2,010$2,075−$65
South Carolina$1,750$1,825−$75
South Dakota$1,260$1,240+$20
Tennessee$1,405$1,395+$10
Texas$1,970$1,985−$15
Utah$1,500$1,555−$55
Vermont$1,115$1,085+$30
Virginia$1,440$1,460−$20
Washington$1,445$1,495−$50
West Virginia$1,400$1,395+$5
Wisconsin$1,140$1,145−$5
Wyoming$1,295$1,270+$25

By driver profile (full coverage)

DriverModel 3Jetta
Teen driver (18, own policy)$4,595$4,670
Young adult (22)$2,675$2,715
Adult in their 30s$1,670$1,695
Adult in their 50s$1,535$1,560
Senior (72)$1,870$1,900
30s, one at-fault accident$2,425$2,460
30s, DUI on record$3,090$3,140

More comparisons

Frequently asked questions

Is the Tesla Model 3 or the Volkswagen Jetta cheaper to insure?

By our estimate the Tesla Model 3 is cheaper, by about $25 a year for full coverage ($1,670 vs. $1,695) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Tesla Model 3 and Volkswagen Jetta?

Mostly because of insurance-loss history: HLDI collision indices of 133 vs. 103 and comprehensive indices of 87 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.

Sources used on this page