- Volkswagen Golf car insurance cost averages $2,098 per year, or about $175 per month for a policy with full coverage.
- The cheapest VW Golf insurance is on the GTI S trim level, costing around $1,970 per year. The most expensive car insurance is for the R Automatic at $2,212 per year.
- The VW Golf is one of the more expensive small cars to insure, costing $222 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 $2,098 a year for full coverage. Depending on the trim level being insured, insurance cost per month for a Golf ranges from $164 to $184.
When compared to the national average car insurance rate of $1,883, insurance for a VW Golf is $215 more per year. The Golf ranks 14th 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 $460 a year, liability will cost around $768, and the remaining collision coverage will cost an estimated $870.
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 $16,073 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 $329 per year over a good credit rating of 670-739. Conversely, a lesser credit score could cost as much as $382 more per year.
- Make your policy cheaper by raising deductibles. Raising your policy deductibles from $500 to $1,000 could save around $302 per year for a 40-year-old driver and $590 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 $314 per year for a 40-year-old driver and $626 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 $364 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 $2,632 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 $564 per year. Serious moving violations like driving under the influence or reckless driving could raise rates by an additional $1,982 or more.
- VW Golf insurance rates for teenagers are high. Average rates for full coverage Golf insurance costs $7,670 per year for a 16-year-old driver, $7,387 per year for a 17-year-old driver, and $6,536 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 $1,970 per year, or about $164 per month and the second cheapest to insure is the GTI 380 S at $1,988 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 $2,200 and $2,212 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.
| 2024 Volkswagen Golf Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| GTI S | $1,970 | $164 |
| GTI 380 S | $1,988 | $166 |
| GTI SE | $2,068 | $172 |
| GTI 380 SE | $2,078 | $173 |
| GTI Autobahn | $2,130 | $178 |
| GTI 380 Autobahn | $2,136 | $178 |
| R 6-speed Manual | $2,200 | $183 |
| R Automatic | $2,212 | $184 |
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. Updated February 23, 2024
Golf vs other small cars: Which is cheapest to insure?
The Volkswagen Golf ranks 14th out of 15 total comparison vehicles in the small car category. The Golf costs an estimated $2,098 per year for insurance, while the class average rate is $1,876 per year, a difference of $222 per year.
When compared directly to other popular small cars, insurance for a VW Golf costs $418 more per year than the Honda Civic, $248 more than the Toyota Corolla, $360 more than the Nissan Sentra, and $36 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Toyota GR Corolla | $1,650 | -$448 |
| 2 | Nissan Leaf | $1,662 | -$436 |
| 3 | Honda Civic | $1,680 | -$418 |
| 4 | Nissan Sentra | $1,738 | -$360 |
| 5 | Subaru Impreza | $1,744 | -$354 |
| 6 | Toyota Prius | $1,772 | -$326 |
| 7 | Toyota Corolla | $1,850 | -$248 |
| 8 | Kia Forte | $1,852 | -$246 |
| 9 | Nissan Versa | $1,872 | -$226 |
| 10 | Mitsubishi Mirage G4 | $1,916 | -$182 |
| 11 | Volkswagen Jetta | $1,918 | -$180 |
| 12 | Mazda 3 | $1,962 | -$136 |
| 13 | Hyundai Elantra | $2,062 | -$36 |
| 14 | Volkswagen Golf | $2,098 | -- |
| 15 | Toyota Mirai | $2,362 | $264 |
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 vehicle from the 2024 model year. Updated February 23, 2024
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 $1,664 per year to insure, or around $139 per month. Rates range from $1,528 per year for the Golf GTI S to $1,832 for the Golf R.
| 2022 Volkswagen Golf Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| GTI S | $1,528 | $127 |
| GTI SE | $1,622 | $135 |
| GTI Autobahn | $1,676 | $140 |
| R | $1,832 | $153 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 22, 2024
2021 Volkswagen Golf Car Insurance Rates
Average insurance cost on a 2021 Volkswagen Golf are $1,450 per year, or around $121 per month. Rates range from $1,324 per year for the Golf S Station Wagon to $1,734 for the Golf R 4Motion Hatchback.
| 2021 Volkswagen Golf Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| S Station Wagon | $1,324 | $110 |
| ALLTrack S 4Motion Station Wagon | $1,326 | $111 |
| 1.4 S Hatchback | $1,358 | $113 |
| S 4Motion Station Wagon | $1,402 | $117 |
| ALLTrack SE 4Motion Station Wagon | $1,432 | $119 |
| 1.4 SE Hatchback | $1,440 | $120 |
| SE Station Wagon | $1,506 | $126 |
| ALLTrack SEL 4Motion Station Wagon | $1,524 | $127 |
| R 4Motion Hatchback | $1,734 | $145 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 22, 2024
2020 Volkswagen Golf Car Insurance Rates
Average insurance cost on a 2020 Volkswagen Golf are $1,404 per year, or around $117 per month. Rates range from $1,284 per year for the Golf ALLTrack S 4Motion Station Wagon to $1,680 for the Golf R 4Motion Hatchback.
| 2020 Volkswagen Golf Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| ALLTrack S 4Motion Station Wagon | $1,284 | $107 |
| S Station Wagon | $1,286 | $107 |
| 1.4 S Hatchback | $1,318 | $110 |
| S 4Motion Station Wagon | $1,362 | $114 |
| ALLTrack SE 4Motion Station Wagon | $1,386 | $116 |
| 1.4 SE Hatchback | $1,396 | $116 |
| SE Station Wagon | $1,462 | $122 |
| ALLTrack SEL 4Motion Station Wagon | $1,476 | $123 |
| R 4Motion Hatchback | $1,680 | $140 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 22, 2024
2019 Volkswagen Golf Insurance Rates
Insurance rates for a 2019 Volkswagen Golf average $1,358 per year, or about $113 per month. Rates range from $1,244 per year for the Golf ALLTrack S 4Motion Station Wagon to $1,622 for the Golf R 4Motion Hatchback.
| 2019 Volkswagen Golf Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| ALLTrack S 4Motion Station Wagon | $1,244 | $104 |
| S Station Wagon | $1,244 | $104 |
| 1.4 S Hatchback | $1,276 | $106 |
| S 4Motion Station Wagon | $1,318 | $110 |
| ALLTrack SE 4Motion Station Wagon | $1,340 | $112 |
| 1.4 SE Hatchback | $1,352 | $113 |
| SE Station Wagon | $1,414 | $118 |
| ALLTrack SEL 4Motion Station Wagon | $1,426 | $119 |
| R 4Motion Hatchback | $1,622 | $135 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 23, 2024
2018 Volkswagen Golf Insurance Rates
2018 Volkswagen Golf insurance cost averages $1,296 per year, or around $108 per month. Cost ranges from $1,182 per year for the Golf ALLTrack S Station Wagon to $1,510 for the Golf R Hatchback.
| 2018 Volkswagen Golf Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| ALLTrack S Station Wagon | $1,182 | $99 |
| S Sportwagen Station Wagon | $1,192 | $99 |
| 1.8T S Hatchback | $1,236 | $103 |
| 1.8T SE Hatchback | $1,268 | $106 |
| ALLTrack SE Station Wagon | $1,272 | $106 |
| 1.8T S 4Motion Station Wagon | $1,280 | $107 |
| SE Sportwagen Station Wagon | $1,304 | $109 |
| ALLTrack SEL Station Wagon | $1,332 | $111 |
| SEL Sportwagen Station Wagon | $1,392 | $116 |
| R Hatchback | $1,510 | $126 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 23, 2024
2017 Volkswagen Golf Insurance Rates
A 2017 Volkswagen Golf averages $1,222 per year for full coverage insurance, or around $102 per month. Rates range from $1,106 per year for the Golf ALLTrack S Station Wagon to $1,412 for the Golf R 4Motion Hatchback.
| 2017 Volkswagen Golf Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| ALLTrack S Station Wagon | $1,106 | $92 |
| 1.8T S Hatchback | $1,124 | $94 |
| S Sportwagen Station Wagon | $1,124 | $94 |
| 1.8T S Wolfsburg Hatchback | $1,166 | $97 |
| S Sportwagen 4Motion Station Wagon | $1,166 | $97 |
| ALLTrack SE Station Wagon | $1,178 | $98 |
| ALLTrack SEL Station Wagon | $1,220 | $102 |
| SE Sportwagen Station Wagon | $1,254 | $105 |
| SEL Sportwagen Station Wagon | $1,296 | $108 |
| R 2.0 Hatchback | $1,374 | $115 |
| R 4Motion Hatchback | $1,412 | $118 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 23, 2024
2016 Volkswagen Golf Insurance Rates
Average insurance cost for a 2016 Volkswagen Golf is $1,232 per year, or around $103 per month. Rates range from $984 per year for the Golf S Sportwagen Station Wagon to $1,428 for the Golf R Hatchback.
| 2016 Volkswagen Golf Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| S Sportwagen Station Wagon | $984 | $82 |
| SE Sportwagen Station Wagon | $1,102 | $92 |
| SEL Sportwagen Station Wagon | $1,140 | $95 |
| 1.8T S Hatchback | $1,188 | $99 |
| 1.8T S w/Sunroof Hatchback | $1,232 | $103 |
| 1.8T Hatchback | $1,258 | $105 |
| 1.8T SE Hatchback | $1,270 | $106 |
| 1.8T SEL Hatchback | $1,310 | $109 |
| R 4Motion Hatchback | $1,388 | $116 |
| R Hatchback | $1,428 | $119 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 22, 2024
2015 Volkswagen Golf Insurance Rates
Insurance rates average $1,126 per year for a 2015 Volkswagen Golf, or around $94 per month. Rates range from $958 per year for the Golf S Sportwagen Station Wagon to $1,340 for the Golf R 4Motion Hatchback Turbo.
| 2015 Volkswagen Golf Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| S Sportwagen Station Wagon | $958 | $80 |
| Sportwagen Station Wagon | $958 | $80 |
| S Sportwagen Station Wagon Turbo Diesel | $1,028 | $86 |
| SE Sportwagen Station Wagon | $1,064 | $89 |
| SE Sportwagen Station Wagon Turbo Diesel | $1,064 | $89 |
| SEL Sportwagen Station Wagon | $1,102 | $92 |
| 2.0T S Hatchback Turbo Diesel | $1,110 | $93 |
| SEL Sportwagen Station Wagon Turbo Diesel | $1,138 | $95 |
| 1.8T S w/Sunroof Hatchback | $1,148 | $96 |
| 1.8T Launch Edition Hatchback | $1,166 | $97 |
| 1.8T S Hatchback | $1,168 | $97 |
| 1.8T SE Hatchback | $1,184 | $99 |
| 2.0T SE Hatchback Turbo Diesel | $1,184 | $99 |
| 1.8T SEL Hatchback | $1,220 | $102 |
| 2.0T SEL Hatchback Turbo Diesel | $1,220 | $102 |
| R 4Motion Hatchback Turbo | $1,340 | $112 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 22, 2024
2014 Volkswagen Golf Insurance Rates
Average insurance cost for a 2014 Volkswagen Golf is $1,156 per year, or around $96 per month. Rates range from $1,104 per year for the Golf 2.5 Hatchback to $1,208 for the Golf TDT Hatchback Turbo Diesel.
| 2014 Volkswagen Golf Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 2.5 Hatchback | $1,104 | $92 |
| TDT Hatchback Turbo Diesel | $1,208 | $101 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 23, 2024
2013 Volkswagen Golf Insurance Rates
Insurance rates for a 2013 Volkswagen Golf average $1,208 per year, or about $101 per month. Rates range from $1,074 per year for the Golf 2.5 Hatchback to $1,312 for the Golf R Hatchback.
| 2013 Volkswagen Golf Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 2.5 Hatchback | $1,074 | $90 |
| TDT Hatchback Turbo Diesel | $1,160 | $97 |
| 2.0T Hatchback Turbo Diesel | $1,214 | $101 |
| R 4Motion Hatchback | $1,280 | $107 |
| R Hatchback | $1,312 | $109 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 22, 2024
