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

Compared to the $2,415 average cost of other car types, the yearly cost to insure a VW Jetta is a moderate $1,481. State Farm provides the cheapest rates, but prices may vary by insurer, driver's age and car model year.

By Mark Fitzpatrick

Edited by Margarita Barresi

Updated: October 25, 2024

Advertising & Editorial Disclosure

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.

Car Insurance CostsVW Jetta

2024

Table of Contents

Cheapest Insurer - State Farm

Best Insurer - State Farm

Runner-Up - GEICO

Costs by Model Year

Costs by Driver Age

Costs by Location

Why Trust MoneyGeek? These rates were updated to reflect the average cost of car insurance for a VW Jetta as of 2023.

These rates were updated to reflect the average cost of car insurance for a VW Jetta as of 2023.

10Companies Compared

32,868 Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a VW Jetta

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.

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Age

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Age:40

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Coverage:Full Coverage


State Farm	$1,121
GEICO	$1,193
Travelers	$1,436
Allstate	$1,455
Nationwide	$1,537
Progressive	$1,589
Farmers	$1,757

Is a VW Jetta Expensive to Insure?

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.

Best Companies for Insuring a VW Jetta

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.

MoneyGeek Top Pick: State Farm

pros

Offers the cheapest car insurance coverage

Second-best customer satisfaction rating

Provides roadside assistance

cons

Below-average score for claims handling

Limited selection of add-on coverages

COMPANY HIGHLIGHTS

State Farm provides the best auto insurance for a VW Jetta at an average yearly cost of $1,121, the cheapest among its competitors. The company also boasts the second-best customer satisfaction score, despite falling short for claims processing. State Farm offers two add-on coverages that most drivers will find useful and a specialized add-on for rideshare drivers.

The insurer’s roadside assistance pays for up to one hour of mechanical labor at the place of breakdown, towing to the nearest repair provider, a locksmith for up to an hour to unlock an insured car and delivery of gas, oil, new battery or tire, but not the cost of these items.

State Farm’s rental car and travel reimbursement add-on pays to rent a car up to the chosen limits if your vehicle is not driveable due to a covered incident. If your car breaks down while you’re away from home, this add-on also pays for travel expenses up to $500.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO

pros

Provides the second-cheapest rate

Offers accident forgiveness

Third-best in terms of customer satisfaction

cons

Below-average score for claims handling

No better car or new car replacement coverage

COMPANY HIGHLIGHTS

GEICO emerged as the runner-up in MoneyGeek’s search for the best car insurance for a VW Jetta. A policy costs an average of $1,193 per year, the second cheapest of the seven providers we analyzed. Although limited, GEICO provides both standard and unique add-on coverages.

The company’s Mechanical Breakdown Insurance (MBI) covers all your car’s parts and systems at a rate lower than most dealer extended warranties. MBI is available for new or leased vehicles less than 15 months old with less than 15,000 miles.

GEICO also provides accident forgiveness coverage in all states except CA, CT and MA. Policyholders who are over 21 and have not had an accident in the past five years can earn or purchase this coverage, ensuring their rates won’t increase after their first at-fault accident.

Cost of Insuring a VW Jetta by Model Year

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.

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Age:40

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Coverage:Full Coverage


2022	$1,616
2021	$1,545
2020	$1,505
2019	$1,519
2018	$1,508
2017	$1,443
2016	$1,434
2015	$1,399
2011	$1,250
2010	$1,261
2009	$1,246

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.

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Model Year:2022

Age

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Age:40

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Coverage:Full Coverage


State Farm	$1,222
GEICO	$1,366
Travelers	$1,399
Nationwide	$1,540
Progressive	$1,750
Allstate	$1,913
Farmers	$2,080

Cost of Insuring a VW Jetta for 16- to 25-Year-Olds

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.

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Coverage:Full Coverage


16	$6,558
17	$5,334
18	$4,692
19	$3,255
20	$2,948
21	$2,267
22	$2,097
23	$1,950
24	$1,852
25	$1,670

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.

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Age:16

Model Year

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Model Year:2022

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Coverage:Full Coverage


State Farm	$3,918
Travelers	$5,541
Nationwide	$6,180
GEICO	$6,443
Allstate	$8,875
Progressive	$9,368
Farmers	$9,976

How Does Location Affect the Cost of VW Jetta Insurance?

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.

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Age Group:30-59

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Coverage:Full Coverage


Alabama	Nationwide	$709	$59
Alaska	State Farm	$699	$58
Arizona	Root Insurance Company	$682	$57
Arkansas	State Farm	$629	$52
California	AAA California	$1,001	$83
Colorado	American National P&C	$541	$45
Connecticut	GEICO	$693	$58
Delaware	State Farm	$881	$73
District of Columbia	GEICO	$662	$55
Florida	State Farm	$1,058	$88
Georgia	Country Financial	$665	$55
Hawaii	GEICO	$565	$47
Idaho	American National P&C	$299	$25
Illinois	Country Financial	$663	$55
Indiana	American Family	$555	$46
Iowa	State Farm	$509	$42
Kansas	Nationwide	$670	$56
Kentucky	Nationwide	$790	$66
Louisiana	Louisiana Farm Bureau	$1,048	$87
Maine	Concord Group	$521	$43
Maryland	Progressive	$938	$78
Massachusetts	State Farm	$483	$40
Michigan	GEICO	$898	$75
Minnesota	State Farm	$797	$66
Mississippi	Direct General Insurance	$723	$60
Missouri	Nationwide	$909	$76
Montana	Progressive	$437	$36
Nebraska	American National P&C	$405	$34
Nevada	CSAA	$940	$78
New Hampshire	State Farm	$540	$45
New Jersey	Plymouth Rock Assurance	$895	$75
New Mexico	State Farm	$644	$54
New York	Kemper	$781	$65
North Carolina	Erie	$630	$52
North Dakota	American Family	$616	$51
Ohio	Nationwide	$485	$40
Oklahoma	State Farm	$662	$55
Oregon	State Farm	$706	$59
Pennsylvania	Nationwide	$580	$48
Rhode Island	State Farm	$700	$58
South Carolina	American National P&C	$463	$39
South Dakota	Allstate	$746	$62
Tennessee	State Farm	$579	$48
Texas	State Farm	$699	$58
Utah	Nationwide	$725	$60
Vermont	State Farm	$493	$41
Virginia	American Family	$601	$50
Washington	PEMCO	$534	$44
West Virginia	Erie	$784	$65
Wisconsin	GEICO	$556	$46
Wyoming	State Farm	$745	$62

Frequently Asked Questions About VW Jetta Insurance

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

What company has the cheapest car insurance for a VW Jetta?

The average VW Jetta annual auto insurance premium is $1,481, compared to the $2,415 average across all other kinds of cars. State Farm provides the most affordable auto insurance for a VW Jetta at $1,121 per year.

What company offers the best car insurance for a VW Jetta?

Because of its inexpensive premiums and excellent customer support, State Farm offers the best auto insurance for a VW Jetta. When you choose this insurance company, you can expect excellent service for an affordable cost.

About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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