Volkswagen Golf Car Insurance Calculator

Gain insights into how changes to driver risk factors and vehicle options impact the insurance cost for a Volkswagen Golf. Tweak settings like your marital status, location, and homeowner status to see how insurance cost is affected. Immediately discover how much rates change and learn exactly why.

The average estimated car insurance premium for a 2024 Volkswagen Golf is $2,586 per year, or about $216 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,586

Cost Per Month

$216

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Volkswagen Golf Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Volkswagen Golf.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,586
Average Rate
Your Rate
$2,586

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Volkswagen Golf.

The 'Average Rate' is a combined value for all Volkswagen Golf trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2024 Volkswagen Golf is $2,586.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2024 Volkswagen Golf vs. the Small Car Segment

The table below compares insurance rates for the 2024 Volkswagen Golf against all other models in the small car segment. The Volkswagen Golf is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Volkswagen Golf, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Volkswagen Golf.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2024 Volkswagen Golf Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Toyota GR Corolla$2,034-$552
2Nissan Leaf$2,052-$534
3Honda Civic$2,074-$512
4Nissan Sentra$2,146-$440
5Subaru Impreza$2,154-$432
6Toyota Prius$2,188-$398
7Toyota Corolla$2,282-$304
8Kia Forte$2,288-$298
9Nissan Versa$2,310-$276
2024 Small Car Average$2,315-$271
10Mitsubishi Mirage G4$2,364-$222
11Volkswagen Jetta$2,370-$216
12Mazda 3$2,424-$162
13Hyundai Elantra$2,542-$44
14Volkswagen Golf$2,586--
15Toyota Mirai$2,916$330

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2024 Golf Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 Volkswagen Golf.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2024 Volkswagen Golf Insurance Rates by Trim Level
2024 Volkswagen Golf Trim Level Annual Premium Cost Per Month
GTI S$2,428$202
GTI 380 S$2,450$204
GTI SE$2,548$212
GTI 380 SE$2,560$213
GTI Autobahn$2,624$219
GTI 380 Autobahn$2,630$219
R 6-speed Manual$2,714$226
R Automatic$2,726$227

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2024 Volkswagen Golf for different driver ages.

2024 Volkswagen Golf Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,464$789
17$9,114$760
18$8,063$672
19$7,373$614
20$5,614$468
21$5,348$446
22$4,767$397
23$3,938$328
24$3,710$309
25$3,002$250
30$2,748$229
35$2,660$222
40$2,586$216
45$2,426$202
50$2,304$192
55$2,150$179
60$2,154$180
65$2,300$192
70$2,510$209
75$2,984$249
80$3,694$308

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Volkswagen Golf trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Volkswagen Golf.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Volkswagen Golf Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 Volkswagen Golf$2,586$216
2023 Volkswagen Golf$2,142$179
2022 Volkswagen Golf$2,056$171
2021 Volkswagen Golf$1,788$149
2020 Volkswagen Golf$1,732$144
2019 Volkswagen Golf$1,678$140
2018 Volkswagen Golf$1,600$133
2017 Volkswagen Golf$1,506$126
2016 Volkswagen Golf$1,518$127
2015 Volkswagen Golf$1,392$116
2014 Volkswagen Golf$1,428$119
2013 Volkswagen Golf$1,492$124

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Volkswagen Golf trim levels for each model year.