How Much is Insurance for a Volkswagen Golf? Rates & Insights for 2025

• Volkswagen Golf car insurance cost averages $2,586 per year, or about $216 per month for a policy with full coverage.
• The cheapest VW Golf insurance is on the GTI S trim level, costing around $2,428 per year. The most expensive car insurance is for the R Automatic at $2,726 per year.
• The VW Golf is one of the more expensive small cars to insure, costing $271 more per year on average as compared to the rest of the vehicles in the segment.

How much does Volkswagen Golf car insurance cost?

Average car insurance rates for a Volkswagen Golf cost $2,586 a year for full coverage. Depending on the trim level being insured, insurance cost per month for a Golf ranges from $202 to $227.

When compared to the national average car insurance rate of $2,221, insurance for a VW Golf is $365 more per year. The Golf ranks 14^th for affordable car insurance rates out of 15 other compact car models, which we discuss in detail later in this article.

From an individual policy coverage perspective, comprehensive coverage will cost an estimated $568 a year, liability will cost around $944, and the remaining collision coverage will cost an estimated $1,074.

The chart below demonstrates how VW Golf car insurance rates vary based on the age of the driver and different policy deductibles.

To better illustrate the full range of possible rates, keep in mind that a Golf insurance policy with only liability coverage in the most affordable parts of Ohio or North Carolina can cost around $203 a year.

For the same style of Volkswagen Golf, a 16-year-old male driver with a poor driving record in some areas in California could cost as much as $19,236 a year for a policy that provides full coverage.

More data insights concerning the cost of insurance for a Golf include:

• Improve your credit to save money. In states that have statutes allowing an insured’s credit score to be used as a factor in determining insurance rates, drivers who maintain a credit score over 800 could experience savings as high as $406 per year over a good credit rating of 670-739. Conversely, a lesser credit score could cost as much as $471 more per year.
• Make your policy cheaper by raising deductibles. Raising your policy deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $728 per year for a 20-year-old driver.
• The lower the deductibles, the higher the cost. Cutting your deductibles from $500 to $250 could cost an additional $386 per year for a 40-year-old driver and $770 per year for a 20-year-old driver.
• Save money by qualifying for policy discounts. Discounts may be available if the insureds are homeowners, are military or federal employees, are loyal customers, take a defensive driving course, or other policy discounts which could save the average driver as much as $444 per year.
• High-risk drivers pay extremely high rates. For a 30-year-old driver, having a high frequency of accidents or violations could inflate rates by $3,248 or more per year.
• Obey driving laws to keep insurance rates low. If you want to receive the most affordable price on Golf insurance rates, it pays to drive conservatively. Just a couple of blemishes on your motor vehicle report have the potential to raise policy rates by as much as $702 per year. Serious moving violations like driving under the influence or reckless driving could raise rates by an additional $2,448 or more.
• VW Golf insurance rates for teenagers are high. Average rates for full coverage Golf insurance costs $9,464 per year for a 16-year-old driver, $9,114 per year for a 17-year-old driver, and $8,063 per year for an 18-year-old driver.

Which VW Golf insurance is the cheapest?

The cheapest trim level of Volkswagen Golf to insure is the GTI S at an estimated $2,428 per year, or about $202 per month and the second cheapest to insure is the GTI 380 S at $2,450 per year.

On the opposite end of the price range, the more expensive Golf models to insure are the Volkswagen Golf R 6-speed Manual and the R Automatic trim levels at around $2,714 and $2,726 per year, respectively.

The table below displays average car insurance rates for annual and semi-annual policy terms, including a monthly budget estimate, for each 2024 VW Golf model and trim level.

Golf vs other small cars: Which is cheapest to insure?

The Volkswagen Golf ranks 14^th out of 15 total comparison vehicles in the small car category. The Golf costs an estimated $2,586 per year for insurance, while the class average rate is $2,315 per year, a difference of $271 per year.

When compared directly to other popular small cars, insurance for a VW Golf costs $512 more per year than the Honda Civic, $304 more than the Toyota Corolla, $440 more than the Nissan Sentra, and $44 more than the Hyundai Elantra.

The table below shows how well VW Golf insurance prices compare to the entire compact car segment for the 2024 model year.

Volkswagen Golf prior model year insurance rates

The following sections detail Volkswagen Golf insurance rates for every trim level since the 2013 model year.

2022 Volkswagen Golf Car Insurance Rates

A 2022 Volkswagen Golf averages $2,056 per year to insure, or around $171 per month. Rates range from $1,886 per year for the Golf GTI S to $2,262 for the Golf R.

2021 Volkswagen Golf Car Insurance Rates

Average insurance cost on a 2021 Volkswagen Golf are $1,788 per year, or around $149 per month. Rates range from $1,636 per year for the Golf ALLTrack S 4Motion Station Wagon to $2,140 for the Golf R 4Motion Hatchback.

2020 Volkswagen Golf Car Insurance Rates

Average insurance cost on a 2020 Volkswagen Golf are $1,732 per year, or around $144 per month. Rates range from $1,584 per year for the Golf ALLTrack S 4Motion Station Wagon to $2,072 for the Golf R 4Motion Hatchback.

2019 Volkswagen Golf Insurance Rates

Insurance rates for a 2019 Volkswagen Golf average $1,678 per year, or about $140 per month. Rates range from $1,534 per year for the Golf ALLTrack S 4Motion Station Wagon to $2,004 for the Golf R 4Motion Hatchback.

2018 Volkswagen Golf Insurance Rates

2018 Volkswagen Golf insurance cost averages $1,600 per year, or around $133 per month. Cost ranges from $1,458 per year for the Golf ALLTrack S Station Wagon to $1,862 for the Golf R Hatchback.

2017 Volkswagen Golf Insurance Rates

A 2017 Volkswagen Golf averages $1,506 per year for full coverage insurance, or around $126 per month. Rates range from $1,364 per year for the Golf ALLTrack S Station Wagon to $1,742 for the Golf R 4Motion Hatchback.

2016 Volkswagen Golf Insurance Rates

Average insurance cost for a 2016 Volkswagen Golf is $1,518 per year, or around $127 per month. Rates range from $1,214 per year for the Golf S Sportwagen Station Wagon to $1,762 for the Golf R Hatchback.

2015 Volkswagen Golf Insurance Rates

Insurance rates average $1,392 per year for a 2015 Volkswagen Golf, or around $116 per month. Rates range from $1,180 per year for the Golf S Sportwagen Station Wagon to $1,652 for the Golf R 4Motion Hatchback Turbo.

2014 Volkswagen Golf Insurance Rates

Average insurance cost for a 2014 Volkswagen Golf is $1,428 per year, or around $119 per month. Rates range from $1,366 per year for the Golf 2.5 Hatchback to $1,492 for the Golf TDT Hatchback Turbo Diesel.

2013 Volkswagen Golf Insurance Rates

Insurance rates for a 2013 Volkswagen Golf average $1,492 per year, or about $124 per month. Rates range from $1,326 per year for the Golf 2.5 Hatchback to $1,620 for the Golf R Hatchback.