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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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If you’re looking for a fun car with solid safety ratings and reasonable insurance rates, the Volkswagen Jetta offers the benefits of German engineering without the hefty price tag.[1] With average premiums around $110 per month for liability coverage and $203 for full coverage, Jetta owners pay slightly above the national average.
Of course, your insurance costs can vary widely based on factors like age, location, and the model year. Here’s the information you need to find the best car insurance company for your Volkswagen Jetta.
Certainly offers the cheapest car insurance for Volkswagen Jetta drivers, with an average monthly premium of $77.
Certainly, GEICO, and Mile Auto are three of the best car insurance companies for the Volkswagen Jetta.
The 2023 and 2025 Jetta have the highest premiums, while the 2012 model has the lowest premiums.
The average cost to insure a Volkswagen Jetta varies based on the type of policy you choose. Most U.S. states require drivers to have liability insurance, which pays for injuries and damages you cause to another driver. It won’t cover your own damages.
If you want to ensure that you, your passengers, and your property have the best coverage, a full-coverage policy is typically the best option. Full coverage combines several types of insurance, including liability coverage, collision, and comprehensive insurance.
The table below shows the average monthly rates for different policy types and how each policy compares to the national average for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Volkswagen Jetta | $110 | $203 | $157 |
| All vehicles | $107 | $197 | $152 |
The average rate for liability-only coverage for a Volkswagen Jetta is $110, and $203 for full coverage.
In the following sections, we look at how rates vary based on different factors like your age and driving history.
Comparing personalized quotes is the only way to find the best coverage.
Regardless of the average cost of car insurance for a Volkswagen Jetta, you can always find ways to save. The companies highlighted in the following table have the cheapest rates for Jettas, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Certainly | $77 |
| Novo | $84 |
| Mile Auto | $87 |
| Travelers | $88 |
| Apparent | $92 |
Certainly Insurance is the cheapest company for Jetta owners, with an average premium of $77 per month. While these companies are the cheapest, on average, it doesn’t mean they’re the cheapest for everyone.
Insurance rates vary based on your age, driving record, and where you live, which is why it’s a good idea to shop around and compare quotes from several companies to find the best deal for you.
In the next section, we look at the best insurance companies for Jetta drivers based on different driver demographics.
When it comes to car insurance, there’s no one best company for everyone. Your budget and needs will differ from other Volkswagen Jetta drivers.
To help you find the best insurance for your Jetta, we’ve chosen three of the best insurance companies. The companies top our list based on a combination of average insurance rates, available discounts, customer ratings and reviews, and coverage options for Jetta drivers.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm boasts the largest market share of any U.S. insurer, and for good reason. The company strikes a good balance between affordability and service, with a large network of local agents that understand your area’s unique needs. After all, there’s a reason the company scores among the highest in our proprietary Compare.com Rating.
That said, like any insurer, State Farm may not be right for everyone. For example, you have to work with a local agent to manage your policy, so digitally savvy shoppers may want to look elsewhere.
Affordable average rates
Above-average customer service ratings
Fewer-than-average number of complaints
Must work with local agent
Mixed claims reviews
Somewhat limited coverage options
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $100/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $131/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
With 23 discounts, GEICO offers a variety of ways to save on your monthly insurance premiums. Save up to 23% if your Jetta has a built-in anti-theft system, or up to 22% if you have a clean driving record and have been accident-free for at least one year.
GEICO also offers discounts for students and young drivers, as well as affiliation discounts for federal employees, military members, and more.
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $64/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
State Farm boasts the largest market share of any U.S. insurer, and for good reason. The company strikes a good balance between affordability and service, with a large network of local agents that understand your area’s unique needs. After all, there’s a reason the company scores among the highest in our proprietary Compare.com Rating.
That said, like any insurer, State Farm may not be right for everyone. For example, you have to work with a local agent to manage your policy, so digitally savvy shoppers may want to look elsewhere.
Pay for the miles you drive
No in-car tracking device
Not available in all states
No discounts available
If you’re retired, work remotely, or primarily use public transit, you might be a good candidate for a Mile Auto policy. Mile Auto insurance is best for low-mileage drivers who drive 10,000 miles or less per year. You’ll pay for the miles you drive plus your base rate. Plus, depending on how much you drive, you could save up to 40% off your standard insurance rates with the insurer.
Compare personalized quotes from America’s top companies.
The age of your Volkswagen Jetta can affect your insurance premiums. Generally, the more your car is worth, the more it costs to insure. And newer cars are typically more expensive to insure than older models. The good news is that if your vehicle comes with high-quality safety equipment, you might qualify for a discount.[4]
Let’s take a look at the average monthly premiums for different Jetta model years, according to Compare.com data.
Jetta Model Year | Average Monthly Premium |
|---|---|
| 2025 | $199 |
| 2024 | $196 |
| 2023 | $199 |
| 2022 | $181 |
| 2021 | $185 |
| 2020 | $165 |
| 2019 | $168 |
| 2018 | $163 |
| 2017 | $161 |
| 2016 | $158 |
| 2015 | $148 |
| 2014 | $149 |
| 2013 | $142 |
| 2012 | $134 |
Where you live can also affect how much you pay for car insurance. In the following section, we look at how Volkswagen Jetta premiums vary by state.
Your state, city, and ZIP code all affect your insurance rates. Certain areas may have higher rates of vandalism, theft, or increased exposure to natural disasters, which can increase insurance premiums. Similarly, cities with large populations and high rates of congestion are likely to have higher rates than smaller rural areas.
The map below shows the average monthly premium for a Volkswagen Jetta in different states, according to our research.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $92 |
| Arizona | $124 |
| Arkansas | $177 |
| California | $178 |
| Colorado | $145 |
| Connecticut | $281 |
| Delaware | $171 |
| Florida | $181 |
| Georgia | $183 |
| Idaho | $93 |
| Illinois | $115 |
| Indiana | $100 |
| Iowa | $84 |
| Kansas | $113 |
| Kentucky | $181 |
| Louisiana | $167 |
| Maine | $110 |
| Maryland | $254 |
| Massachusetts | $139 |
| Michigan | $217 |
| Minnesota | $139 |
| Mississippi | $139 |
| Missouri | $136 |
| Montana | $112 |
| Nebraska | $130 |
| Nevada | $220 |
| New Hampshire | $85 |
| New Jersey | $147 |
| New Mexico | $107 |
| New York | $356 |
| North Carolina | $69 |
| North Dakota | $107 |
| Ohio | $94 |
| Oklahoma | $120 |
| Oregon | $119 |
| Pennsylvania | $121 |
| Rhode Island | $106 |
| South Carolina | $203 |
| South Dakota | $89 |
| Tennessee | $104 |
| Texas | $164 |
| Utah | $135 |
| Vermont | $100 |
| Virginia | $134 |
| Washington | $103 |
| District of Columbia | $210 |
| West Virginia | $107 |
| Wisconsin | $94 |
| Wyoming | $89 |
Next, we’ll look at how Volkswagen Jetta insurance premiums vary based on age.
Your age is one of the most important rating factors for car insurance. Typically, teens pay the highest insurance premiums due to their inexperience, high-risk driving behaviors, and crash rates.[5]
By age 25, premiums generally start to drop. You can expect your rates to continue to decrease into adulthood and further into retirement age — as long as you maintain a good driving record. Seniors often pay some of the lowest rates thanks to years of experience, obeying road rules, and driving fewer miles overall.[6]
Here’s what Jetta drivers pay for car insurance by age group, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $295 |
| Adults | $143 |
| Seniors | $121 |
While teen drivers pay an average rate of $295 per month, adults pay less than half that amount for coverage. Rates continue to drop for senior Jetta drivers.
Your driving record also has a significant effect on your car insurance rates. Maintaining a clean driving record often results in the lowest rates. But if you have a history of speeding tickets, accidents, or a driving under the influence (DUI) conviction, insurers see you as a higher risk and will charge more for coverage.
The table below highlights the average monthly premiums for Jettas based on different driving records, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $157 |
| Speeding ticket | $218 |
| At-fault accident | $227 |
| DUI | $258 |
Drivers with a speeding ticket or at-fault accident may not see a huge difference in their monthly rates. But if you have a clean driving record, insurance will cost around $100 less than for a driver with a DUI conviction.
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Cars may come with a variety of features and options that can affect the cost of insurance. Keep the following in mind when looking for coverage for your Jetta:
Trim level: A base trim — such as the Jetta S — with the fewest features is typically cheaper to insure than the higher trim levels, such as the Jetta SEL, that come with more luxurious options.
Safety features: Newer Jettas that offer more advanced safety features, such as semi-automated driving assistance, forward collision warning, and automatic emergency braking, are often cheaper to insure than older models with more limited safety features.
Security features: Many Jettas have anti-theft technology, including an anti-theft alarm system and engine immobilizer. Some insurance companies offer anti-theft discounts that may help trim down your monthly premiums.
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If you want to get cheaper car insurance for your Volkswagen Jetta, a few things you can do include:
Increase your deductible. Your deductible is the amount you pay out of pocket before your insurance kicks in. Selecting a higher deductible can substantially lower your monthly premiums.
Bundle your insurance. Many insurers will give you a discount when you buy more than one insurance policy, such as your home and auto insurance, with the same company.
Ask about discounts. Car insurance companies offer a variety of discounts that can help you save on insurance. You may be able to get a discount if you have a spotless driving history, you’ve taken a defensive driving course, or you’ve purchased a Jetta with top-of-the-line safety features.
Maintain good credit. Many insurers will review your credit information when calculating your premiums. Keeping your credit in check can help keep your premiums low.
Compare options. Different insurance companies offer different prices. You can use a comparison site to shop around and compare at least three quotes for your Jetta before making a decision.
Get real-time quotes and save money on your next policy.
Here are answers to some of the most common questions people ask about the Volkswagen Jetta car insurance.
Not really. Volkswagen Jetta car insurance premiums average $157 per month — only a few dollars more than the average for all vehicles, which is $150, according to Compare.com data.
Certainly is the cheapest insurance company for the Volkswagen Jetta, with average monthly rates starting at $77, according to Compare.com data. That said, your personal rate may be different depending on where you live, your driving record, and coverage choices. You should compare quotes from multiple companies to find your best rate.
The average monthly premium for the 2025 Volkswagen Jetta is $199, according to Compare.com data.
The cheapest Volkswagen to insure is the Golf, with an average monthly rate of $123, according to Compare.com data. Remember, you can find more affordable auto insurance rates by regularly comparing quotes and shopping around.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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