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Car Insurance Quotes for a Volkswagen Jetta

Are You Getting the Cheapest Car Insurance Available for a Volkswagen Jetta?

Illustration of Volkswagen Jetta

How Much is Car Insurance for a Volkswagen Jetta?

The average annual premium is $229 for minimum coverage and $1,610 for full coverage.

All states require some form of car insurance. The state-required minimum liability insurance is the cheapest car insurance for a Jetta. However, depending on whether you live in a no-fault or at-fault state, your minimum may consist of simple bodily injury and property damage, or there may be other required coverages, such as personal injury protection (PIP) or uninsured motorist (UM).

Rates vary between policyholders thanks to many individual factors, such as age, gender, driving record, and zip code of residence. Freeway Insurance is on hand to help you find a policy best aligned with your driver profile, budget, and needs.

Getting a Free Auto Insurance quote with Freeway is easy!

Comparing Insurance Costs for Jetta to Other Vehicles

There are many reasons why drivers pay a lower higher premium than competing makes and models, including but not limited to repair costs, theft rates, model popularity, vehicle cost, and even body style.

Make/Model Annual Full Coverage Insurance
Volkswagen Jetta $1,610
Toyota Corolla $1,695
Honda Civic $1,733
Chevrolet Cruze $1,642
Mazda 3 $1,668

Types of car insurance coverage for the Jetta

Several types of auto policies are available for Volkswagen Jetta drivers, including but not limited to state minimum liability and full coverage.

Full Coverage 

Full coverage generally comprises a mix of liability, collision and comprehensive insurance. Unlike state minimum liability (which only provides third-party benefits), full coverage provides first-party benefits, most notably with collision and comprehensive that protects against a broader range of scenarios like vehicle-to-object, rollover collisions and damage that happens when you aren’t behind the wheel, such as theft or hail.

Sometimes you may be required by your leasing or finance company to carry a full policy since they technically “own” your vehicle until your loan is paid off in full.

Despite a full policy costing several hundred dollars more per year than state minimum liability, it is highly recommended.

Remember, a single at-fault accident could result in many thousands of dollars worth of property damage and medical bills by third parties. Carrying California’s sparse minimums of $15,000 in bodily injury liability per person, $30,000 in bodily injury liability per accident, and $5,000 in property damage liability wouldn’t cut it in a case such as this.

State Minimum Liability 

All states require that drivers carry minimum liability, representing third-party benefits for bodily injury and property damage liability.

Bodily injury liability covers the cost of lost wages, medical bills, and related expenses sustained by drivers injured in an at-fault accident you cause. Conversely, property damage liability covers the cost of repair or replacement of third-party property, including but not limited to vehicles, fences, houses, and mailboxes.

Some states require additional coverage, such as uninsured/underinsured motorist, personal injury protection (PIP), and medical payments (MedPay). 

Drivers can always add optional car protections such as roadside assistance, and rental car reimbursement.

All states have their minimum liability requirements. For example, all Texas drivers must carry a minimum of $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage per accident. That means insurers will only pay up to those limit before policyholders chip in and cover the rest out-of-pocket.

Individual Factors that Influence Pricing for the Jetta

Auto insurance rates are determined by several factors, including but not limited to a driver’s age/gender, driving history, credit score, zip code of residence, and type of vehicle.

Expect younger drivers to pay significantly higher premiums than older drivers, thanks to an increased risk profile, limited driving experience, and higher overall claims activity as a group. Another key factor is driving history. The more at-fault accidents, traffic violations, and claims you make, the higher your premiums (as you are seen as a higher risk to the insurer).

Remember to consider the type of vehicle you drive. For example, some cars hold lower residual values, higher depreciation rates, theft rates, and higher parts and labor costs than competing models, so insurers use all of this information to calculate premiums accordingly.

Lastly, insurance history is a major factor. If drivers have repeated policy lapses and a higher-than-average number of claims, they will almost certainly pay higher premiums.

2021 Black Volkswagen Jetta

How Does a DUI Affect Insurance Rates?

Expect to see some serious repercussions if convicted of a DUI.

On top of fines, reinstatement fees, and a suspended driver’s license and registration, expect your premiums in the future to skyrocket, even tripling in some instances depending on state laws and the severity of the offense. Other factors affecting rate increases include your age, gender, driving record, time since your last DUI conviction (if any), and other underwriting criteria used by insurance companies.

In addition to higher rates, expect to file for SR-22 or FR-44, a certificate of financial responsibility that lets the state know you’re carrying the minimum required liability limits to drive legally. 

You may need to shop around for cheap DUI insurance to find coverage you can afford.

What Are Some Car Insurance Discounts for Volkswagen?

Fortunately, there is no shortage of discounts available to drivers.

Auto discounts generate fall under four categories: driver, vehicle, policy, and usage discounts.

Driver discount factors in a driver’s demographic composition and driving history. Expect a Good Driver discount if you have had no at-fault accidents, moving violations, or claims on your record for the past three to five years. This is one of best in terms of monetary savings. Other discounts include:

  • Equipping your vehicle with anti-theft devices, anti-lock brakes, and daytime running lights may contribute towards a small discount on safety equipment.
  • Policy-related discounts reward drivers for adjusting their policy/automating payment methods. These include multi-vehicle and bundling (for purchasing two or more policies under one insurer).
  • Enrolling in autopay/paperless billing, and adjusting coverage by increasing deductibles or lowering liability limits.
  • Usage discounts, such as those for people who drive less than 7,500 miles a year and are eligible for low mileage discounts. In addition, tiered discount options are available based on annual miles driven up to 15,000 (subject to each insurer’s guidelines).
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What Are Some of the Characteristics of Your Compact Car?

The Volkswagen Jetta is a vehicle in the compact sedan segment.

It is available in five trims: S, Sport, SE, SEL, and GLI Autobahn, as well as two engine options, a base turbocharged 1.5-liter four-cylinder, and a 2.0-liter turbo-four engine.

Standard features include a 6.5-inch touchscreen and Android Auto/CarPlay compatibility. Upgrading to higher-level trims increases the screen size to 8 inches and adds a nine-speaker Beats audio stereo.

Other notables with this model include above-average cargo space for the class (14.1 cubic feet) and 60/40-split-folding rear seats for more storage room.

Main competitors are the Toyota Corolla, Honda Civic, Chevrolet Cruze, and Mazda 3.


Find the Best Car Insurance Rates Online for the Volkswagen Jetta Today

If you are ready to explore all your auto insurance options, then Freeway Insurance is ready to step up to the plate.

To get started with Freeway Insurance, request a quote online, visit us at a Freeway Insurance office near you, or call 800-777-5620 for a free, no-obligation consultation with one of our friendly agents. Get in touch with us today!

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