How much is insurance on a Volkswagen Jetta?

Priced for the 2024 Jetta, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Jetta's rank is the same in every state.

Why the Volkswagen Jetta costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Volkswagen Jetta, on HLDI's scale where 100 is an average car and lower is better, it reports 103 for crash repairs, 83 for non-crash damage, 118 for damage to others' property, and 132 for injury claims.

• Crash repairs (collision)fixing this car after a crashAverage3% worse than average2nd best of the 9 midsize four-door cars we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage17% better than average3rd best of the 9 midsize four-door cars we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage18% worse than average6th best of the 9 midsize four-door cars we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costWorse than averagefiled 32% more often than average3rd best of the 8 midsize four-door cars we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Jetta comes out about 3% better than average. We count about a third of that difference, so the part of the bill that fixes the car is about 1% less than average: about $940 a year vs $950. On the liability side, damage to others and injury claims combine to about 26% worse than average. We count about half, so that part is about 14% more: $1,130 a year vs $990.

How the math works

In EPA size classes, the Jetta is a small car (gas-powered). In Highway Loss Data Institute loss tables, the Volkswagen Jetta is benchmarked against midsize four-door cars.

Matched to HLDI series “Volkswagen Jetta” (HLDI, 2022–24 models).

A used Volkswagen Jetta, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Jetta (0–3 years old)	about $2,070	about $1,130	+$1,370	about $5,930
2022 Jetta (4–7 years old)	about $1,950	about $1,130	+$1,290	about $5,610
2018 Jetta (8–12 years old)	about $1,700	about $1,000	+$1,120	about $4,890
2013 Jetta (13 or more years old)	about $1,710	about $1,110	+$1,130	about $4,910

Our catalog covers the Volkswagen Jetta across model years 2006–2027. Full coverage on a used 2013 Jetta (13 or more years old) runs about $1,710 a year, $350 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $1,110 a year. Each photo shows that year's generation of the car. Photo credits.

All 2 versions of the 2024 Volkswagen Jetta in our catalog (Jetta and Jetta Sport/SE/SEL) price within about $50 a year of each other.

On a policy of their own with a 2024 Volkswagen Jetta, a 22–25-year-old pays about $2,690 a year ($620 more than a 45-year-old), a 26–39-year-old about $2,300, and a driver 65 and older about $2,170.

Adding a 16-year-old with a Volkswagen Jetta

A new driver costs more with any car, and more than usual with the Volkswagen Jetta: adding a 16-year-old raises the family bill by about $1,370 a year ($115 a month), $80 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $5,930 a year ($4,570 more than adding them to the family policy).

For adding a teen driver, the Volkswagen Jetta ranks 34th most expensive out of all 121 models we track. Stepping down to a used 2013 Jetta (13 or more years old) brings the teen add-on to about $1,130 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize four-door cars

Among these 9 midsize four-door cars, the Volkswagen Jetta is the 3rd least expensive to insure. Right next to it are the Hyundai Ioniq 6 (about $1,950 a year) and the Honda Accord (about $2,070).

• 2024 Subaru Legacyabout $1,780 ($290 less)
• 2024 Hyundai Ioniq 6about $1,950 ($110 less)
• 2024 Volkswagen Jettaabout $2,070 (this car)
• 2024 Honda Accordabout $2,070 (about the same)
• 2024 Toyota Camryabout $2,090 (about the same)
• 2024 Hyundai Sonataabout $2,160 ($100 more)
• 2024 Chevrolet Malibuabout $2,250 ($180 more)

Photos from Wikimedia Commons contributors. Photo credits.

What a Volkswagen Jetta costs in your state

In six sample states, a 2024 Volkswagen Jetta runs from about $1,430 a year in Hawaii through Indiana, Kentucky, Alabama and South Carolina to about $2,480 in Texas:

• Hawaiiabout $1,430/yr · +$950 teen
• Indianaabout $1,480/yr · +$980 teen
• Kentuckyabout $1,740/yr · +$1,150 teen
• Alabamaabout $1,820/yr · +$1,200 teen
• South Carolinaabout $2,180/yr · +$1,440 teen
• Texasabout $2,480/yr · +$1,640 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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