Toyota Camry vs Volkswagen Jetta Insurance Cost

The Volkswagen Jetta is cheaper to insure by about $40 a year for full coverage by our estimate ($1,735 vs. $1,695), and cheaper in 51 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

Coverage	Toyota Camry	Volkswagen Jetta	Difference
State minimum	$670	$705	−$35
Standard (100/300/100)	$975	$1,020	−$45
Full coverage	$1,735	$1,695	+$40

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

Why one costs more to insure

Factor	Toyota Camry	Volkswagen Jetta
Segment	Midsize car	Midsize car
Powertrains	Gasoline, Hybrid	Gasoline, Hybrid, Diesel
HLDI collision (100 = avg)	119	103
HLDI comprehensive	107	83
HLDI property damage liability	104	118
HLDI bodily injury liability	129	132
NHTSA overall rating	5★	5★
NICB most-stolen rank	#8	Not in top 10
Recalls (latest 3 model years)	7	2

Collision losses are the biggest swing factor: the Toyota Camry has 16 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Volkswagen Jetta. The Toyota Camry appears on the NICB most-stolen list, adding to comprehensive costs.

Camry vs Jetta insurance by state

State	Camry	Jetta	Difference
Alabama	$1,515	$1,465	+$50
Alaska	$1,520	$1,485	+$35
Arizona	$1,820	$1,780	+$40
Arkansas	$1,535	$1,470	+$65
California	$1,705	$1,665	+$40
Colorado	$1,970	$1,900	+$70
Connecticut	$1,845	$1,820	+$25
Delaware	$1,935	$1,920	+$15
District of Columbia	$2,190	$2,140	+$50
Florida	$2,470	$2,470	—
Georgia	$2,145	$2,125	+$20
Hawaii	$1,200	$1,170	+$30
Idaho	$1,180	$1,150	+$30
Illinois	$1,505	$1,465	+$40
Indiana	$1,235	$1,200	+$35
Iowa	$1,180	$1,120	+$60
Kansas	$1,390	$1,325	+$65
Kentucky	$1,460	$1,430	+$30
Louisiana	$2,400	$2,350	+$50
Maine	$1,105	$1,075	+$30
Maryland	$1,945	$1,915	+$30
Massachusetts	$1,705	$1,670	+$35
Michigan	$1,890	$1,845	+$45
Minnesota	$1,450	$1,390	+$60
Mississippi	$1,660	$1,605	+$55
Missouri	$1,575	$1,520	+$55
Montana	$1,390	$1,320	+$70
Nebraska	$1,390	$1,325	+$65
Nevada	$1,990	$1,990	—
New Hampshire	$1,235	$1,205	+$30
New Jersey	$2,085	$2,075	+$10
New Mexico	$1,560	$1,510	+$50
New York	$2,325	$2,305	+$20
North Carolina	$1,295	$1,250	+$45
North Dakota	$1,115	$1,050	+$65
Ohio	$1,240	$1,205	+$35
Oklahoma	$1,565	$1,500	+$65
Oregon	$1,555	$1,540	+$15
Pennsylvania	$1,515	$1,465	+$50
Rhode Island	$2,095	$2,075	+$20
South Carolina	$1,855	$1,825	+$30
South Dakota	$1,330	$1,240	+$90
Tennessee	$1,445	$1,395	+$50
Texas	$2,060	$1,985	+$75
Utah	$1,575	$1,555	+$20
Vermont	$1,130	$1,085	+$45
Virginia	$1,495	$1,460	+$35
Washington	$1,510	$1,495	+$15
West Virginia	$1,450	$1,395	+$55
Wisconsin	$1,190	$1,145	+$45
Wyoming	$1,360	$1,270	+$90

By driver profile (full coverage)

Driver	Camry	Jetta
Teen driver (18, own policy)	$4,775	$4,670
Young adult (22)	$2,780	$2,715
Adult in their 30s	$1,735	$1,695
Adult in their 50s	$1,595	$1,560
Senior (72)	$1,945	$1,900
30s, one at-fault accident	$2,520	$2,460
30s, DUI on record	$3,210	$3,140

More comparisons

Frequently asked questions

Is the Toyota Camry or the Volkswagen Jetta cheaper to insure?

By our estimate the Volkswagen Jetta is cheaper, by about $40 a year for full coverage ($1,735 vs. $1,695) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Toyota Camry and Volkswagen Jetta?

Mostly because of insurance-loss history: HLDI collision indices of 119 vs. 103 and comprehensive indices of 107 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