Compare the Cost of VW Jetta Insurance by Model Year and Company

Insurance rates vary significantly according to the driver’s age. For example, insuring a 2009 VW Jetta with a 16-year-old driver costs an average of $6,484 annually, while it only costs $1,246 with a 40-year-old driver. A 16-year-old will pay $7,236 to insure a 2022 VW Jetta, while a 40-year-old will pay $1,616.

Price should be one of many considerations when shopping for car insurance. MoneyGeek evaluated the top insurance providers for a VW Jetta using factors like affordability, customer service and claims history.

Although rates vary by provider, the average annual cost to insure a VW Jetta is $1,481. State Farm has the most affordable car insurance for full coverage at $1,121, while Farmers charges the most at $1,757.

For minimum coverage policies, State Farm is the most affordable at $509 annually. Farmers provides the most expensive minimum coverage insurance at $779 annually.

Car insurance companies base their rates on various factors. Insuring a VW Jetta with an MSRP of $22,260 is moderately expensive, primarily due to the car’s theft rate. The most recent data from the National Highway Traffic Safety Administration (NHTSA) indicates this car model is stolen at an above-average rate. Cars stolen more often are riskier to insure, so insurers charge higher rates.

When deciding on the best auto insurance for a VW Jetta, it's important to consider cost, customer satisfaction and claims processing. According to MoneyGeek’s analysis, the following insurance companies are the best options for insuring a VW Jetta:

• State Farm: MoneyGeek score 90 out of 100 ($1,121 per year)
• GEICO: MoneyGeek score 89 out of 100 ($1,193 per year)

State Farm has the most affordable rates and the second-highest customer satisfaction score of the insurance companies we analyzed. This insurance provider offers great service for a fair price.

An aspect that impacts the average price of auto insurance is the car’s age. Full coverage insurance for a 2009 VW Jetta costs an average of $1,246 annually versus a 2022 model, which costs $1,616. Given that a car’s worth declines over time, newer models generally cost more to insure.

The average cost of car insurance varies depending on the insurance provider. State Farm offers the cheapest full coverage insurance for a 2009 VW Jetta at $941. It also provides the most affordable insurance for a 2022 model at $1,222.

Insurance companies also consider your age when calculating premiums. Younger drivers generally pay higher car insurance rates than drivers ages 30 and older.

For example, insuring a 16-year-old driving a VW Jetta costs $6,558, while the cost decreases to $1,429 for a 40-year-old. The cost of insurance for teen drivers tends to decrease yearly until age 20.

To find the cheapest VW Jetta insurance coverage for teens, MoneyGeek suggests evaluating quotes from several insurance companies. State Farm charges teens an average of $3,918 for full coverage, while Farmers charges the highest rate of $9.976. However, these costs are for purchasing separate teen car insurance. The most cost-effective way of insuring teen drivers is to add them to a family policy.

While your age, car model type and year all affect your insurance rates, location can have even more of an impact. Florida has the highest average rates, and Idaho has the cheapest. When purchasing auto insurance for a VW Jetta, compare quotes from the most affordable insurers within your state.

MoneyGeek responds to frequently asked questions regarding the cost and quality of car insurance for a VW Jetta.