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

• Volkswagen Golf car insurance cost averages $2,650 per year, or about $221 per month for a policy with full coverage.
• The cheapest VW Golf insurance is on the GTI S trim level, costing around $2,490 per year. The most expensive car insurance is for the R Automatic at $2,794 per year.
• The VW Golf is one of the more expensive small cars to insure, costing $279 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 $2,650 a year for full coverage. Depending on the trim level being insured, insurance cost per month for a Golf ranges from $208 to $233.

When compared to the national average car insurance rate of $2,276, insurance for a VW Golf is $374 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 $582 a year, liability will cost around $968, and the remaining collision coverage will cost an estimated $1,100.

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 $19,482 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 $416 per year over a good credit rating of 670-739. Conversely, a lesser credit score could cost as much as $482 more per year.
• Make your policy cheaper by raising deductibles. Raising your policy deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $746 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 $398 per year for a 40-year-old driver and $788 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 $454 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 $3,330 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 $720 per year. Serious moving violations like driving under the influence or reckless driving could raise rates by an additional $2,508 or more.
• VW Golf insurance rates for teenagers are high. Average rates for full coverage Golf insurance costs $9,697 per year for a 16-year-old driver, $9,340 per year for a 17-year-old driver, and $8,262 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 $2,490 per year, or about $208 per month and the second cheapest to insure is the GTI 380 S at $2,510 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 $2,780 and $2,794 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 $2,650 per year for insurance, while the class average rate is $2,371 per year, a difference of $279 per year.

When compared directly to other popular small cars, insurance for a VW Golf costs $526 more per year than the Honda Civic, $314 more than the Toyota Corolla, $450 more than the Nissan Sentra, and $42 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 $2,104 per year to insure, or around $175 per month. Rates range from $1,932 per year for the Golf GTI S to $2,314 for the Golf R.

2021 Volkswagen Golf Car Insurance Rates

Average insurance cost on a 2021 Volkswagen Golf are $1,832 per year, or around $153 per month. Rates range from $1,674 per year for the Golf S Station Wagon to $2,194 for the Golf R 4Motion Hatchback.

2020 Volkswagen Golf Car Insurance Rates

Average insurance cost on a 2020 Volkswagen Golf are $1,774 per year, or around $148 per month. Rates range from $1,624 per year for the Golf ALLTrack S 4Motion Station Wagon to $2,122 for the Golf R 4Motion Hatchback.

2019 Volkswagen Golf Insurance Rates

Insurance rates for a 2019 Volkswagen Golf average $1,718 per year, or about $143 per month. Rates range from $1,570 per year for the Golf ALLTrack S 4Motion Station Wagon to $2,052 for the Golf R 4Motion Hatchback.

2018 Volkswagen Golf Insurance Rates

2018 Volkswagen Golf insurance cost averages $1,638 per year, or around $137 per month. Cost ranges from $1,494 per year for the Golf ALLTrack S Station Wagon to $1,908 for the Golf R Hatchback.

2017 Volkswagen Golf Insurance Rates

A 2017 Volkswagen Golf averages $1,542 per year for full coverage insurance, or around $129 per month. Rates range from $1,398 per year for the Golf ALLTrack S Station Wagon to $1,784 for the Golf R 4Motion Hatchback.

2016 Volkswagen Golf Insurance Rates

Average insurance cost for a 2016 Volkswagen Golf is $1,552 per year, or around $129 per month. Rates range from $1,246 per year for the Golf S Sportwagen Station Wagon to $1,804 for the Golf R Hatchback.

2015 Volkswagen Golf Insurance Rates

Insurance rates average $1,426 per year for a 2015 Volkswagen Golf, or around $119 per month. Rates range from $1,208 per year for the Golf S Sportwagen Station Wagon to $1,694 for the Golf R 4Motion Hatchback Turbo.

2014 Volkswagen Golf Insurance Rates

Average insurance cost for a 2014 Volkswagen Golf is $1,462 per year, or around $122 per month. Rates range from $1,396 per year for the Golf 2.5 Hatchback to $1,526 for the Golf TDT Hatchback Turbo Diesel.

2013 Volkswagen Golf Insurance Rates

Insurance rates for a 2013 Volkswagen Golf average $1,526 per year, or about $127 per month. Rates range from $1,356 per year for the Golf 2.5 Hatchback to $1,656 for the Golf R Hatchback.