2016 Volkswagen Golf Car Insurance Calculator

Understand how changes to driver risk factors and vehicle options influence insurance rates for a 2016 Volkswagen Golf. Customize policy discounts, trim level options, driving record, and coverage amounts to learn how each affects rates. Know immediately if your choice increases or decreases premium and learn exactly why.

The average estimated car insurance premium for a 2016 Volkswagen Golf is $1,518 per year, or about $127 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

$1,518

Cost Per Month

$127

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 2016 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.

$1,518
Average Rate
Your Rate
$1,518

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.

The 'Average Rate' is a combined value for all 2016 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 2016 Volkswagen Golf is $1,518.

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.

2016 Volkswagen Golf vs. the Small Car Segment

The table below compares insurance rates for the 2016 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.

2016 Volkswagen Golf Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Smart Fortwo$1,254-$264
2Chrysler Fiat 500$1,360-$158
3Honda Fit$1,386-$132
4Toyota Yaris$1,394-$124
5Nissan Versa$1,396-$122
6Ford Fiesta$1,408-$110
7Subaru Impreza$1,472-$46
8Scion IM$1,488-$30
9Chevrolet Spark$1,500-$18
10Hyundai Accent$1,504-$14
11Volkswagen Golf$1,518--
12Mazda 3$1,538$20
13Scion IA$1,540$22
14Honda CR-Z$1,576$58
15Honda Civic$1,586$68
16Nissan Sentra$1,590$72
17Kia Rio$1,612$94
18Toyota Corolla$1,628$110
2016 Small Car Average$1,636$118
19Nissan Leaf$1,642$124
20Toyota Prius$1,644$126
21Hyundai Veloster$1,650$132
22Chevrolet Sonic$1,668$150
23Volkswagen Beetle$1,694$176
24Volkswagen GTI$1,706$188
25Chevrolet Volt$1,708$190
26Chevrolet Cruze$1,712$194
27Volkswagen EOS$1,716$198
28Kia Forte$1,724$206
29Ford Focus$1,744$226
30Hyundai Elantra$1,760$242
31Scion FR-S$1,778$260
32Mitsubishi Lancer$1,838$320
33Volkswagen E-Golf$1,852$334
34Volkswagen Jetta$1,924$406
35Dodge Dart$1,968$450
36Scion TC$2,022$504
37Toyota Mirai$2,036$518

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.

2016 Golf Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 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.

2016 Volkswagen Golf Insurance Rates by Trim Level
2016 Volkswagen Golf Trim Level Annual Premium Cost Per Month
S Sportwagen Station Wagon$1,214$101
SE Sportwagen Station Wagon$1,358$113
SEL Sportwagen Station Wagon$1,408$117
1.8T S Hatchback$1,466$122
1.8T S w/Sunroof Hatchback$1,520$127
1.8T Hatchback$1,554$130
1.8T SE Hatchback$1,568$131
1.8T SEL Hatchback$1,616$135
R 4Motion Hatchback$1,714$143
R Hatchback$1,762$147

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 2016 Volkswagen Golf for different driver ages.

2016 Volkswagen Golf Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,425$452
17$5,231$436
18$4,639$387
19$4,246$354
20$3,242$270
21$3,094$258
22$2,765$230
23$2,293$191
24$2,159$180
25$1,754$146
30$1,612$134
35$1,560$130
40$1,518$127
45$1,424$119
50$1,354$113
55$1,266$106
60$1,268$106
65$1,346$112
70$1,456$121
75$1,722$144
80$2,116$176

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.