Full coverage for a VW Jetta ranges from $1,021 to $6,244 annually. Your rate depends on your Jetta's model year, your age, where you live, your driving record, coverage level and which insurer you choose. MoneyGeek breaks down what you'll pay for VW Jetta insurance and shows you the best affordable options.
VW Jetta Insurance Cost
Updated: December 1, 2025
Key Takeaways
GEICO has the lowest minimum coverage rates for VW Jettas across all model years at $503 annually.
Insuring a VW Jetta costs an average of $622 per year for minimum coverage and $1,421 for full coverage.
MoneyGeek analyzed 3,287 VW Jetta insurance quotes from Quadrant Information Services for this analysis.
VW Jetta Insurance Rates
What Is the Average VW Jetta Car Insurance Cost?
A 40-year-old man with a clean record pays about $118 per month ($1,421 per year) for full coverage on a VW Jetta. Minimum coverage runs about $52 monthly or $622 annually.
| Minimum Coverage | $622 |
| Full Coverage | $1,421 |
Read more: Average Cost of Car Insurance
VW Jetta Insurance Costs by Company
Annual VW Jetta insurance costs range from $1,055 to $1,977 depending on your age, model year and coverage level. The table below compares VW Jetta rates to all-vehicle averages from national and midsize insurers.
| Allstate | $1,529 | $1,812 | -16% |
| Auto-Owners | $1,175 | $1,226 | -4% |
| Farmers | $1,851 | $1,955 | -5% |
| GEICO | $1,216 | $1,332 | -9% |
| Kemper | $1,977 | $2,212 | -11% |
| Nationwide | $1,634 | $1,587 | 3% |
| Progressive | $1,665 | $1,742 | -4% |
| State Farm | $1,156 | $1,269 | -9% |
| Travelers | $1,481 | $1,521 | -3% |
| USAA | $1,055 | $1,200 | -12% |
Read more: Best Car Insurance Companies
Cost of Insuring a VW Jetta by Model Year
Your Jetta's model year affects insurance rates. Older models typically cost less to insure. For example, a 2022 Jetta costs $1,633 per year for full coverage, while a 2009 model costs $1,222. See average rates by model year below.
| 2022 | $609 | $1,633 |
| 2021 | $623 | $1,545 |
| 2020 | $609 | $1,532 |
| 2019 | $645 | $1,526 |
| 2018 | $655 | $1,513 |
| 2017 | $630 | $1,472 |
| 2016 | $657 | $1,431 |
| 2015 | $656 | $1,390 |
| 2011 | $615 | $1,259 |
| 2010 | $637 | $1,240 |
| 2009 | $633 | $1,222 |
VW Jetta Insurance Costs by Driver Age
Your age affects VW Jetta insurance rates. Sixteen-year-olds pay an average of $6,244 per year for full coverage, while 40-year-olds pay around $1,433. See average rates by age below.
| 16 | $2,911 | $6,244 |
| 17 | $2,365 | $5,090 |
| 18 | $2,065 | $4,485 |
| 19 | $1,467 | $3,190 |
| 20 | $1,317 | $2,900 |
| 21 | $1,041 | $2,335 |
| 22 | $949 | $2,147 |
| 23 | $881 | $2,004 |
| 24 | $835 | $1,907 |
| 25 | $742 | $1,706 |
| 26 | $721 | $1,645 |
| 27 | $704 | $1,608 |
| 28 | $692 | $1,584 |
| 29 | $682 | $1,562 |
| 30 | $659 | $1,507 |
| 35 | $641 | $1,460 |
| 40 | $634 | $1,433 |
| 45 | $628 | $1,414 |
| 50 | $613 | $1,371 |
| 55 | $597 | $1,333 |
| 60 | $597 | $1,328 |
| 65 | $635 | $1,382 |
| 70 | $690 | $1,479 |
| 75 | $767 | $1,621 |
| 80 | $869 | $1,804 |
| 85 | $940 | $1,935 |
| 90 | $992 | $2,027 |
VW Jetta Insurance Rates Explained
Your insurance rate depends on multiple factors. Insurers look at your driver profile along with your vehicle's make, model, age and safety features. Here's how these factors affect your premium.
VW Jetta Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296VW Jetta
Average Full Coverage Rate
$1,421Premiums for VW Jetta are:$125 more
This is 10% more expensive.
Value
The VW Jetta’s MSRP of $30,050, a standard sedan, affects how insurers calculate car insurance costs, often leading to moderate premiums.
Repair costs
The VW Jetta's annual repair cost of $609 is below the national average, potentially lowering insurance costs.
Performance
With 158 horsepower and a 0-to-60 time of 7.6 seconds, the VW Jetta's moderate performance generally leads to average insurance costs.
Vehicle age
Newer VW Jettas are usually more expensive to insure than older vehicles.
Safety features
Safety features like stability control and airbags can qualify the VW Jetta for insurance discounts.
Vehicle size
The VW Jetta's curb weight is 3,036 lbs, suggesting average insurance costs compared to larger vehicles.
Trim level
The VW Jetta's higher trim levels, like SE or Sport, often have more premium features, leading to higher insurance costs than the base model.
Theft rates
The VW Jetta has a moderate theft rate, which may slightly raise insurance costs.
Cheapest VW Jetta Insurance
GEICO offers the most affordable minimum coverage for a VW Jetta at $503 per year, based on a 40-year-old male driver with a clean record. Below is a breakdown of the cheapest car insurance by coverage level, age group, driving record and model year.
Cheapest VW Jetta Insurance by Coverage Level
Your coverage level greatly influences your VW Jetta insurance rate. GEICO offers the lowest average minimum coverage rate, while State Farm is the most affordable for full coverage. Below is a breakdown of the cheapest providers for both types.
Cheapest VW Jetta Minimum Coverage
GEICO and State Farm offer the cheapest minimum coverage for a VW Jetta at $42 monthly. Other competitive options include Travelers at $55, Progressive at $56 and Allstate at $57.
| USAA | $34 | $409 |
| GEICO | $42 | $503 |
| State Farm | $42 | $509 |
| Travelers | $55 | $660 |
| Progressive | $56 | $668 |
| Allstate | $57 | $681 |
| Farmers | $62 | $742 |
| Nationwide | $63 | $757 |
*GEICO offers non-military-affiliated VW Jetta owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best VW Jetta Insurance Rates by Model Year
Because the above list doesn't account for the VW Jetta's production year, you might find lower rates depending on your vehicle's age. To find the cheapest minimum coverage rates for each model year, filter the table below.
Data filtered by:
2009
| Allstate | $685 | $57 |
| Farmers | $740 | $62 |
| GEICO | $517 | $43 |
| Nationwide | $781 | $65 |
| Progressive | $696 | $58 |
| State Farm | $465 | $39 |
| Travelers | $681 | $57 |
| USAA | $417 | $35 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage VW Jetta Insurance
State Farm offers the cheapest full coverage for a VW Jetta at $94 per month or $1,124 annually. Below is the full list of providers and rates.
| USAA | $85 | $1,021 |
| State Farm | $94 | $1,124 |
| GEICO | $99 | $1,183 |
| Allstate | $122 | $1,459 |
| Travelers | $122 | $1,468 |
| Nationwide | $128 | $1,537 |
| Progressive | $132 | $1,580 |
| Farmers | $144 | $1,726 |
*On average, State Farm is the cheapest insurer for non-military-affiliated VW Jetta owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest VW Jetta Insurance by Age
Young drivers aged 16 to 25 and seniors 55 and up often pay more for VW Jetta insurance. Below is a breakdown of the cheapest options by age group.
Cheapest VW Jetta Insurance for Young Drivers
VW Jetta drivers aged 16 to 25 can find the most affordable minimum coverage with State Farm, which offers an annual rate of $1,113 and a monthly rate of $93. Below is the complete list of the most affordable auto insurance rates for VW Jetta drivers.
| USAA | $70 | $845 |
| State Farm | $93 | $1,113 |
| GEICO | $101 | $1,211 |
| Travelers | $116 | $1,391 |
| Allstate | $132 | $1,587 |
| Progressive | $156 | $1,869 |
| Farmers | $168 | $2,021 |
| Nationwide | $169 | $2,024 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest VW Jetta Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $560 annually and $47 monthly. See the full list of cheap VW Jetta insurers below.
| USAA | $45 | $543 |
| State Farm | $47 | $560 |
| GEICO | $50 | $606 |
| Travelers | $66 | $796 |
| Allstate | $70 | $835 |
| Progressive | $71 | $855 |
| Nationwide | $74 | $889 |
| Farmers | $83 | $992 |
*State Farm is the cheapest insurer for non-military-affiliated senior drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest VW Jetta Insurance After an Accident
State Farm, GEICO and Allstate offer VW Jetta drivers the cheapest car insurance after an accident. Check out the complete list below for more options.
| USAA | $52 | $623 |
| State Farm | $53 | $637 |
| GEICO | $66 | $794 |
| Allstate | $78 | $931 |
| Travelers | $80 | $959 |
| Progressive | $91 | $1,091 |
| Nationwide | $99 | $1,183 |
| Farmers | $123 | $1,473 |
*State Farm provides the lowest rates for non-military-affiliated, at-fault VW Jetta drivers. USAA is the most affordable option for military-affiliated drivers.
VW Jetta Insurance Cost: Bottom Line
Always compare rates from multiple insurers to find your best deal. This article covers VW Jetta insurance costs across different demographic groups and shows you the most affordable providers.
VW Jetta Insurance Rates: FAQ
We answer common questions about VW Jetta insurance costs:
What company has the cheapest car insurance for a VW Jetta?
GEICO has the cheapest VW Jetta insurance at $503 per year for minimum coverage.
What is the average cost of car insurance for a VW Jetta?
The average annual insurance cost for a VW Jetta is $622 for minimum coverage and $1,421 for full coverage.
VW Jetta Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 3,287 VW Jetta insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a VW Jetta:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine VW Jetta insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your VW Jetta.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis includes average full coverage policy rates with comprehensive and collision coverage (with a $1,000 deductible) and increased liability limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.