Volkswagen Jetta Insurance Cost

Full coverage for a Volkswagen Jetta costs about $1,695 a year ($141/month) by our estimate — ▲ +7% versus the average vehicle, ranking 179th cheapest of 310 current models.

Volkswagen Jetta exterior (photo from Wikimedia Commons) — Photo: Mr.choppers, CC BY-SA 3.0

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

Volkswagen Jetta insurance cost at a glance

Full coverage

$1,695

$141/mo · $1,390–$2,005

Minimum liability

$705

$59/mo

Segment

Midsize car

Gasoline, Hybrid, Diesel

HLDI collision losses

103

Average (100 = avg)

NHTSA overall

★★★★★

2027 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2005–2027 model years of the Volkswagen Jetta.

Estimated Volkswagen Jetta premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$705	$59	$575–$830
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$1,020	$85	$835–$1,205
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,695	$141	$1,390–$2,005

What drives the cost of insuring a Volkswagen Jetta

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Volkswagen Jetta's results put our vehicle factor at 1.15× for liability, 1.03× for collision and 0.85× for comprehensive.

HLDI relative insurance losses — Volkswagen Jetta (Midsize Four-door cars)
Coverage	Index	Rating	What it measures
Collision	103	Average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	83	Better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	118	Worse than average	Damage this car does to other vehicles and property
Bodily injury liability	132	Much worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	120	Worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	138	Much worse than average	Injuries to occupants of this car (claim frequency)

Repair and parts costs: Midsize car — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 2 NHTSA recall campaigns and 34 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Volkswagen Jetta trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
GLI	FWD	2.0L 4-cyl Turbo	29
Jetta	FWD	1.5L 4-cyl Turbo	34
Jetta Sport/SE/SEL	FWD	1.5L 4-cyl Turbo	33

Volkswagen Jetta insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	1.5L 4-cyl Turbo, 2.0L 4-cyl Turbo	FWD	29–34	$1,695
2026	1.5L 4-cyl Turbo, 2.0L 4-cyl Turbo	FWD	29–34	$1,665
2025	1.5L 4-cyl Turbo, 2.0L 4-cyl Turbo	FWD	29–33	$1,635
2024	1.5L 4-cyl Turbo, 2.0L 4-cyl Turbo	FWD	28–34	$1,605
2023	1.5L 4-cyl Turbo, 2.0L 4-cyl Turbo	FWD	30–35	$1,575
2022	1.5L 4-cyl Turbo, 2.0L 4-cyl Turbo	FWD	30–35	$1,545
2021	1.4L 4-cyl Turbo, 2.0L 4-cyl Turbo	FWD	28–34	$1,515
2020	1.4L 4-cyl Turbo, 2.0L 4-cyl Turbo	FWD	28–34	$1,485
2019	1.4L 4-cyl Turbo, 2.0L 4-cyl Turbo	FWD	28–34	$1,455
2018	1.4L 4-cyl Turbo, 1.8L 4-cyl Turbo, 2.0L 4-cyl Turbo	FWD	27–33	$1,425
2017	1.4L 4-cyl Turbo, 1.8L 4-cyl Turbo, 2.0L 4-cyl Turbo	FWD	27–33	$1,395
2016	1.4L 4-cyl Turbo, 1.4L 4-cyl Turbo Hybrid, 1.8L 4-cyl Turbo	FWD	27–44	$1,360
2015	1.4L 4-cyl Turbo Hybrid, 1.8L 4-cyl Turbo, 2.0L 4-cyl	FWD	26–44	$1,360
2014	1.4L 4-cyl Turbo Hybrid, 1.8L 4-cyl Turbo, 2.0L 4-cyl	FWD	25–44	$1,360
2013	1.4L 4-cyl Turbo Hybrid, 2.0L 4-cyl, 2.0L 4-cyl Turbo	FWD	25–44	$1,360
2012	2.0L 4-cyl, 2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Diesel	FWD	25–32	$1,360
2011	2.0L 4-cyl, 2.0L 4-cyl Turbo Diesel, 2.5L 5-cyl	FWD	25–32	$1,360
2010	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Diesel, 2.5L 5-cyl	FWD	25–32	$1,360
2009	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Diesel, 2.5L 5-cyl	FWD	24–32	$1,360
2008	2.0L 4-cyl Turbo, 2.5L 5-cyl	FWD	24–25	$1,360

Volkswagen Jetta insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Jetta page for that state.

State	Full coverage	Minimum	vs. national	Jetta page
Alabama	$1,465	$550	−14%	Jetta in AL
Alaska	$1,485	$715	−12%	Jetta in AK
Arizona	$1,780	$755	+5%	Jetta in AZ
Arkansas	$1,470	$515	−13%	Jetta in AR
California	$1,665	$655	−2%	Jetta in CA
Colorado	$1,900	$745	+12%	Jetta in CO
Connecticut	$1,820	$815	+7%	Jetta in CT
Delaware	$1,920	$920	+13%	Jetta in DE
District of Columbia	$2,140	$850	+26%	Jetta in DC
Florida	$2,470	$1,235	+46%	Jetta in FL
Georgia	$2,125	$1,000	+25%	Jetta in GA
Hawaii	$1,170	$500	−31%	Jetta in HI
Idaho	$1,150	$460	−32%	Jetta in ID
Illinois	$1,465	$570	−14%	Jetta in IL
Indiana	$1,200	$465	−29%	Jetta in IN
Iowa	$1,120	$355	−34%	Jetta in IA
Kansas	$1,325	$460	−22%	Jetta in KS
Kentucky	$1,430	$605	−16%	Jetta in KY
Louisiana	$2,350	$905	+39%	Jetta in LA
Maine	$1,075	$485	−37%	Jetta in ME
Maryland	$1,915	$865	+13%	Jetta in MD
Massachusetts	$1,670	$680	−1%	Jetta in MA
Michigan	$1,845	$875	+9%	Jetta in MI
Minnesota	$1,390	$540	−18%	Jetta in MN
Mississippi	$1,605	$610	−5%	Jetta in MS
Missouri	$1,520	$585	−10%	Jetta in MO
Montana	$1,320	$450	−22%	Jetta in MT
Nebraska	$1,325	$460	−22%	Jetta in NE
Nevada	$1,990	$995	+17%	Jetta in NV
New Hampshire	$1,205	$460	−29%	Jetta in NH
New Jersey	$2,075	$1,070	+22%	Jetta in NJ
New Mexico	$1,510	$595	−11%	Jetta in NM
New York	$2,305	$1,065	+36%	Jetta in NY
North Carolina	$1,250	$515	−26%	Jetta in NC
North Dakota	$1,050	$315	−38%	Jetta in ND
Ohio	$1,205	$465	−29%	Jetta in OH
Oklahoma	$1,500	$540	−12%	Jetta in OK
Oregon	$1,540	$715	−9%	Jetta in OR
Pennsylvania	$1,465	$485	−14%	Jetta in PA
Rhode Island	$2,075	$940	+22%	Jetta in RI
South Carolina	$1,825	$840	+8%	Jetta in SC
South Dakota	$1,240	$360	−27%	Jetta in SD
Tennessee	$1,395	$520	−18%	Jetta in TN
Texas	$1,985	$790	+17%	Jetta in TX
Utah	$1,555	$750	−8%	Jetta in UT
Vermont	$1,085	$365	−36%	Jetta in VT
Virginia	$1,460	$720	−14%	Jetta in VA
Washington	$1,495	$675	−12%	Jetta in WA
West Virginia	$1,395	$500	−18%	Jetta in WV
Wisconsin	$1,145	$425	−32%	Jetta in WI
Wyoming	$1,270	$370	−25%	Jetta in WY

Volkswagen Jetta insurance by driver profile

Estimated annual Volkswagen Jetta premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,935	$2,805	$4,670	$389
Young adult (22)	$1,125	$1,630	$2,715	$226
Adult in their 30s	$705	$1,020	$1,695	$141
Adult in their 50s	$645	$940	$1,560	$130
Senior (72)	$790	$1,140	$1,900	$158
30s, one at-fault accident	$1,020	$1,480	$2,460	$205
30s, DUI on record	$1,300	$1,885	$3,140	$262

Volkswagen Jetta vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Volkswagen Jetta	$1,695	103	83	—
Tesla Model 3	$1,670	133	87	Compare
Toyota Camry	$1,735	119	107	Compare
Honda Accord	$1,680	109	82	Compare

Estimate Volkswagen Jetta insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Volkswagen models

Atlas $1,305/yr
Atlas Cross Sport $1,415/yr
Golf R $1,285/yr
GTI $1,295/yr
ID. Buzz $1,485/yr
Taos $1,355/yr
Tiguan $1,365/yr
ID.4 $1,480/yr
Arteon $1,535/yr
Passat $1,445/yr
Golf $1,365/yr
Beetle $1,275/yr
CC $1,285/yr
Touareg $1,225/yr
Eos $1,220/yr
Routan $1,135/yr
Rabbit $1,245/yr
R32 $1,245/yr
Phaeton $1,260/yr

All Volkswagen insurance costs →

Frequently asked questions

How much is insurance for a Volkswagen Jetta?

We estimate about $1,695 a year ($141 a month) for full coverage and $705 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 7% more than the average vehicle.

Is the Volkswagen Jetta expensive to insure?

HLDI insurance-loss data rates it at 103 for collision and 83 for comprehensive losses (100 = average of all vehicles), meaning collision losses are average.

Which state is cheapest to insure a Volkswagen Jetta?

North Dakota has the lowest estimate (about $1,050 a year for full coverage) and Florida the highest (about $2,470).

What is the Volkswagen Jetta's NHTSA safety rating?

The 2027 Volkswagen Jetta earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

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

By our estimate the Volkswagen Jetta costs about $1,695 a year versus $1,670 for the Tesla Model 3, making the Tesla Model 3 cheaper to insure.

How much is Volkswagen Jetta insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,670 a year at national-average rates by our estimate.

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