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The Volkswagen Jetta is easy to use, economical, and roomy, making it a consumer favorite. With advanced safety features, the Volkswagen Jetta is a sensible choice that may earn some lower insurance premiums.
You'll need the right car insurance for your Volkswagen Jetta, and an independent insurance agent will make sure a policy suits all your needs.
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What Kind of Insurance Do You Need for Your Volkswagen Jetta?
The options are many when it comes to insuring your Volkswagen Jetta. State laws vary depending on where you live, and some optional coverages make sense if you want to be well-protected.
Most states mandate the following coverage:
Bodily Injury Liability
If you are involved in a car accident that causes injury to another party including a passenger or pedestrian, bodily injury liability will respond and will cover the cost of medical expenses and even lost wages due to an injury.
Property Damage Liability
If you or a permitted driver causes damage to another person's property, your property damage liability policy will step in to replace or repaire damage to a vehicle or structure. Property damage liability won't cover damage to your car, however.
Many states require this coverage:
Medical Payments/Personal Injury Protection
Medical payments (med pay) or personal injury protection (PIP) coverage pays for necessary medical treatment when you or a passenger is injured. PIP insurance is available in "no-fault" states and is usually a requirement. Everywhere else, you'll have the opportunity to purchase med pay.
Uninsured and Underinsured Motorist Coverage
Uninsured and underinsured motorist (UM/UIM) coverage will pay for damage to your vehicle should the other driver be improperly insured. Even if your state requires coverage, not everyone follows the rules, and UM/UIM insurance could save the day.
Collision coverage will pay damages to another party's property on your behalf should you cause an accident. Without collision coverage, you could be liable for the expense out of your own pocket.
Your Volkswagen Jetta is at risk, even parked in your driveway. Due to the nature of natural disasters, storms, and other incidents out of your control, damage could occur. Comprehensive coverage will respond to repair or replace your vehicle in the event of a loss.
Replacing your Volkswagen Jetta's windshield could run you up to $500. Instead of paying the cost yourself, you could have your policy replace the windshield with zero-deductible glass coverage. This policy endorsement typically costs just a few dollars more each month.
Gap coverage is essential if you finance or lease your Volkswagen Jetta. Gap coverage will pay the difference between what your car is worth and the amount left on your loan when a total loss occurs. Opting out of gap coverage will make you liable for paying the difference yourself.
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What Affects the Cost of Insurance for Your Volkswagen Jetta
Many factors go into calculating insurance premiums for a Volkswagen Jetta. For example, younger drivers usually pay higher insurance rates because of a lack of driving experience and the number of accidents in the age group. A teen Jetta driver will spend an average of $5,196 per year for insurance. The lowest average annual rate is $815. If you have multiple driving offenses or accidents, then on average, you will pay $3,052 annually.
Average Cost of Volkswagen Insurance by Model
The type of Volkswagen you drive also affects your insurance premiums. The below estimated rates assume that the driver has no violations or accidents, is male, and 40 years old. They also reflect a $500 comprehensive and collision deductible, UM/UIM coverage, and minimum liability limits. Rates are averaged across all 50 states.
|Average annual insurance premium for a new Volkswagen by model|
|Volkswagen Beetle Convertible||$1,240|
|Volkswagen Golf Alltrack||$1,594|
|Volkswagen Golf R||$1,608|
|Volkswagen Jetta GLI||$1,666|
|Volkswagen Tiguan Limited||$1,232|
The Safety of Your Volkswagen Jetta
Your insurance rates are affected by your Volkswagen's safety features. You are giving the insurance company an idea of how likely you are to file a claim when you drive a particular type of car. Fortunately, Volkswagen goes a long way to ensure that each vehicle in its product line has advanced safety features.
The Volkswagen Jetta has forward collision warning, along with automatic emergency braking, and blind spot warning. These safety features are standard and will get you high marks with a carrier.
How Location Affects Your Volkswagen Jetta Insurance
Insurance companies also determine premiums based on location. They will take into account local traffic patterns, the number of claims filed in the area, and crime rates.
|Average yearly auto insurance rates are the least expensive in these states:|
|Average yearly auto insurance rates are most expensive in these states:|
Average Cost to Insure a Volkswagen Jetta
The average annual premium in the US for a Volkswagen Jetta is $1,414. Your costs will depend on your age, where you live, coverage, and driving record.
Here's how Volkswagen Jetta rates change for younger vs. older drivers:
|Volkswagen Jetta rates by age for full coverage with a $500 deductible|
Top Independent Insurance Carriers That Insure the Volkswagen Jetta
The right coverage for your Volkswagen Jetta is essential, and so is the company that provides that protection. Your insurance carrier should be responsive to claims and honest. The US Independent Insurance Agent Satisfaction Study by J.D. Power gave these companies a good recommendation:
Get a Volkswagen Jetta Quote
Reach out to a TrustedChoice.com independent agent today to get a quote for insurance on your Volkswagen Jetta. An independent insurance agent can shop dozens of insurance companies, providing you with the most affordable and complete auto insurance coverage.
TrustedChoice.com Article | Reviewed by Candace Jenkins
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