2018 Volkswagen Golf Car Insurance Calculator

Observe in real-time how life choices affect car insurance rates for a 2018 Volkswagen Golf. Modify options like your location, homeowner status, and credit score to get insights on how rates change. Immediately see if the changes you make have a positive or negative affect on rates.

The average estimated car insurance premium for a 2018 Volkswagen Golf is $1,600 per year, or about $133 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

$1,600

Cost Per Month

$133

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 2018 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.

$1,600
Average Rate
Your Rate
$1,600

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 2018 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 2018 Volkswagen Golf is $1,600.

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.

2018 Volkswagen Golf vs. the Small Car Segment

The table below compares insurance rates for the 2018 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.

2018 Volkswagen Golf Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chrysler Fiat 500$1,452-$148
2Ford Fiesta$1,496-$104
3Fiat 124 Spider$1,552-$48
4Smart Fortwo$1,570-$30
5Mazda 3$1,580-$20
6Volkswagen Golf$1,600--
7Subaru Impreza$1,610$10
8Toyota Yaris$1,614$14
9Chevrolet Spark$1,618$18
10Honda Fit$1,622$22
11Hyundai Accent$1,630$30
12Nissan Sentra$1,760$160
13Nissan Versa$1,768$168
14Honda Civic$1,790$190
2018 Small Car Average$1,814$214
15Toyota Prius$1,850$250
16Volkswagen Beetle$1,868$268
17Toyota Corolla$1,874$274
18Hyundai Ioniq$1,880$280
19Nissan Leaf$1,886$286
20Chevrolet Sonic$1,894$294
21Volkswagen GTI$1,930$330
22Chevrolet Cruze$1,940$340
23Chevrolet Volt$1,972$372
24Volkswagen E-Golf$1,988$388
25Honda Clarity$1,998$398
26Kia Rio$2,014$414
27Ford Focus$2,046$446
28Hyundai Elantra$2,064$464
29Kia Forte$2,072$472
30Volkswagen Jetta$2,078$478
31Toyota 86$2,214$614

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.

2018 Golf Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Volkswagen Golf Insurance Rates by Trim Level
2018 Volkswagen Golf Trim Level Annual Premium Cost Per Month
ALLTrack S Station Wagon$1,458$122
S Sportwagen Station Wagon$1,468$122
1.8T S Hatchback$1,524$127
1.8T SE Hatchback$1,562$130
ALLTrack SE Station Wagon$1,570$131
1.8T S 4Motion Station Wagon$1,578$132
SE Sportwagen Station Wagon$1,606$134
ALLTrack SEL Station Wagon$1,644$137
SEL Sportwagen Station Wagon$1,718$143
R Hatchback$1,862$155

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 2018 Volkswagen Golf for different driver ages.

2018 Volkswagen Golf Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,678$473
17$5,511$459
18$4,959$413
19$4,505$375
20$3,452$288
21$3,293$274
22$2,948$246
23$2,411$201
24$2,285$190
25$1,858$155
30$1,708$142
35$1,642$137
40$1,600$133
45$1,496$125
50$1,416$118
55$1,326$111
60$1,330$111
65$1,414$118
70$1,524$127
75$1,784$149
80$2,200$183

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.