Volkswagen Golf Car Insurance Rates for 2023

How much will it cost to insure a Volkswagen Golf?

From the GTI S model to the R 20th Anniversary Edition trim, we compared insurance quotes on the Golf to discover how average rates rank when compared to the 2023 small car segment.

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How much does Volkswagen Golf car insurance cost?

Average car insurance rates for a Volkswagen Golf cost $1,660 a year for full coverage. Depending on the trim level being insured, insurance cost per month for a Golf ranges from $125 to $149.

When compared to the national average car insurance rate of $1,685, insurance for a VW Golf is $25 less per year. The Golf ranks fifth 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 $408 a year, liability will cost around $516, and the remaining collision coverage will cost an estimated $736.

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

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2023 Volkswagen Golf with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Volkswagen Golf trim levels.Data last updated on May 5, 2023
Volkswagen Golf Car Insurance Rates
2023 Volkswagen Golf Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,794$233
$500$3,300$275
$250$3,832$319
30$1,000$1,466$122
$500$1,750$146
$250$2,044$170
40$1,000$1,400$117
$500$1,660$138
$250$1,930$161
50$1,000$1,280$107
$500$1,514$126
$250$1,756$146
60$1,000$1,254$105
$500$1,484$124
$250$1,722$144

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 $12,560 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 $261 per year over a good credit rating of 670-739. Conversely, a lesser credit score could cost as much as $302 more per year.
  • Make your policy cheaper by raising deductibles. Raising your policy deductibles from $500 to $1,000 could save around $260 per year for a 40-year-old driver and $506 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 $270 per year for a 40-year-old driver and $532 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 $280 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 $2,014 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 $434 per year. Serious moving violations like driving under the influence or reckless driving could raise rates by an additional $1,522 or more.
  • VW Golf insurance rates for teenagers are high. Average rates for full coverage Golf insurance costs $5,930 per year for a 16-year-old driver, $5,546 per year for a 17-year-old driver, and $5,182 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 $1,496 per year, or about $125 per month and the second cheapest to insure is the GTI SE at $1,584 per year.

On the opposite end of the price range, the more expensive Golf models to insure are the Volkswagen Golf R and the R 20th Anniversary Edition trim levels at around $1,790 and $1,792 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 2023 VW Golf model and trim level.

2023 Volkswagen Golf Insurance Cost by Trim Level
Volkswagen Golf Trim Level Annual Policy Six-Month Policy Per Month
GTI S$1,496$748$125
GTI SE$1,584$792$132
GTI Autobahn$1,642$821$137
R$1,790$895$149
R 20th Anniversary Edition$1,792$896$149

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Volkswagen Golf, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
Volkswagen Golf Insurance Cost by Trim Level

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

The Volkswagen Golf ranks fifth out of 15 total comparison vehicles in the small car category. The Golf costs an estimated $1,660 per year for insurance, while the class average rate is $1,757 per year, a difference of $97 per year.

When compared directly to other popular small cars, insurance for a VW Golf costs $68 less per year than the Honda Civic, $4 more than the Toyota Corolla, $24 more than the Nissan Sentra, and $268 less than the Hyundai Elantra.

The table below shows how well VW Golf insurance prices compare to the entire compact car segment for the 2023 model year.

Insurance Cost Comparison: Volkswagen Golf vs Small Cars
Rank Make/Model Insurance Cost Difference
1Subaru Impreza$1,462-$198
2Volkswagen Jetta$1,610-$50
3Nissan Sentra$1,636-$24
4Toyota Corolla$1,656-$4
5Volkswagen Golf$1,660--
6Toyota Prius$1,662$2
7Mazda 3$1,690$30
8Honda Civic$1,728$68
9Kia Forte$1,730$70
10Mitsubishi Mirage G4$1,738$78
11Nissan Leaf$1,778$118
12Nissan Versa$1,882$222
13Hyundai Elantra$1,928$268
14Toyota GR Corolla$2,004$344
15Toyota Mirai$2,190$530

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2023 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on May 5, 2023
Insurance Cost Comparison: Volkswagen Golf vs Small Cars

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 $1,592 per year to insure, or around $133 per month. Rates range from $1,460 per year for the Golf GTI S to $1,750 for the Golf R.

2022 Volkswagen Golf Insurance Cost by Trim Level
2022 Volkswagen Golf Trim Level Annual Rate Per Month
GTI S$1,460$122
GTI SE$1,552$129
GTI Autobahn$1,600$133
R$1,750$146

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Volkswagen Golf, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2022 Volkswagen Golf Insurance Cost by Trim Level

2021 Volkswagen Golf Car Insurance Rates

Average insurance cost on a 2021 Volkswagen Golf are $1,380 per year, or around $115 per month. Rates range from $1,260 per year for the Golf ALLTrack S 4Motion Station Wagon to $1,646 for the Golf R 4Motion Hatchback.

2021 Volkswagen Golf Insurance Cost by Trim Level
2021 Volkswagen Golf Trim Level Annual Rate Per Month
ALLTrack S 4Motion Station Wagon$1,260$105
S Station Wagon$1,264$105
1.4 S Hatchback$1,296$108
S 4Motion Station Wagon$1,338$112
ALLTrack SE 4Motion Station Wagon$1,358$113
1.4 SE Hatchback$1,372$114
SE Station Wagon$1,434$120
ALLTrack SEL 4Motion Station Wagon$1,446$121
R 4Motion Hatchback$1,646$137

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 Volkswagen Golf, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2021 Volkswagen Golf Insurance Cost by Trim Level

2020 Volkswagen Golf Car Insurance Rates

Average insurance cost on a 2020 Volkswagen Golf are $1,360 per year, or around $113 per month. Rates range from $1,240 per year for the Golf ALLTrack S 4Motion Station Wagon to $1,620 for the Golf R 4Motion Hatchback.

2020 Volkswagen Golf Insurance Cost by Trim Level
2020 Volkswagen Golf Trim Level Annual Rate Per Month
ALLTrack S 4Motion Station Wagon$1,240$103
S Station Wagon$1,246$104
1.4 S Hatchback$1,278$107
S 4Motion Station Wagon$1,318$110
ALLTrack SE 4Motion Station Wagon$1,334$111
1.4 SE Hatchback$1,352$113
SE Station Wagon$1,412$118
ALLTrack SEL 4Motion Station Wagon$1,422$119
R 4Motion Hatchback$1,620$135

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2020 Volkswagen Golf, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2020 Volkswagen Golf Insurance Cost by Trim Level

2019 Volkswagen Golf Insurance Rates

Insurance rates for a 2019 Volkswagen Golf average $1,322 per year, or about $110 per month. Rates range from $1,204 per year for the Golf ALLTrack S 4Motion Station Wagon to $1,576 for the Golf R 4Motion Hatchback.

2019 Volkswagen Golf Insurance Cost by Trim Level
2019 Volkswagen Golf Trim Level Annual Rate Per Month
ALLTrack S 4Motion Station Wagon$1,204$100
S Station Wagon$1,216$101
1.4 S Hatchback$1,244$104
S 4Motion Station Wagon$1,284$107
ALLTrack SE 4Motion Station Wagon$1,298$108
1.4 SE Hatchback$1,316$110
SE Station Wagon$1,376$115
ALLTrack SEL 4Motion Station Wagon$1,380$115
R 4Motion Hatchback$1,576$131

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2019 Volkswagen Golf, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2019 Volkswagen Golf Insurance Cost by Trim Level

2018 Volkswagen Golf Insurance Rates

2018 Volkswagen Golf insurance cost averages $1,284 per year, or around $107 per month. Cost ranges from $1,172 per year for the Golf ALLTrack S Station Wagon to $1,494 for the Golf R Hatchback.

2018 Volkswagen Golf Insurance Cost by Trim Level
2018 Volkswagen Golf Trim Level Annual Rate Per Month
ALLTrack S Station Wagon$1,172$98
S Sportwagen Station Wagon$1,182$99
1.8T S Hatchback$1,224$102
1.8T SE Hatchback$1,256$105
ALLTrack SE Station Wagon$1,260$105
1.8T S 4Motion Station Wagon$1,270$106
SE Sportwagen Station Wagon$1,292$108
ALLTrack SEL Station Wagon$1,316$110
SEL Sportwagen Station Wagon$1,380$115
R Hatchback$1,494$125

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2018 Volkswagen Golf, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2018 Volkswagen Golf Insurance Cost by Trim Level

2017 Volkswagen Golf Insurance Rates

A 2017 Volkswagen Golf averages $1,208 per year for full coverage insurance, or around $101 per month. Rates range from $1,090 per year for the Golf ALLTrack S Station Wagon to $1,394 for the Golf R 4Motion Hatchback.

2017 Volkswagen Golf Insurance Cost by Trim Level
2017 Volkswagen Golf Trim Level Annual Rate Per Month
ALLTrack S Station Wagon$1,090$91
1.8T S Hatchback$1,116$93
S Sportwagen Station Wagon$1,116$93
1.8T S Wolfsburg Hatchback$1,158$97
S Sportwagen 4Motion Station Wagon$1,158$97
ALLTrack SE Station Wagon$1,160$97
ALLTrack SEL Station Wagon$1,202$100
SE Sportwagen Station Wagon$1,240$103
SEL Sportwagen Station Wagon$1,282$107
R 2.0 Hatchback$1,358$113
R 4Motion Hatchback$1,394$116

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2017 Volkswagen Golf, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2017 Volkswagen Golf Insurance Cost by Trim Level

2016 Volkswagen Golf Insurance Rates

Average insurance cost for a 2016 Volkswagen Golf is $1,254 per year, or around $105 per month. Rates range from $998 per year for the Golf S Sportwagen Station Wagon to $1,450 for the Golf R Hatchback.

2016 Volkswagen Golf Insurance Cost by Trim Level
2016 Volkswagen Golf Trim Level Annual Rate Per Month
S Sportwagen Station Wagon$998$83
SE Sportwagen Station Wagon$1,116$93
SEL Sportwagen Station Wagon$1,156$96
1.8T S Hatchback$1,214$101
1.8T S w/Sunroof Hatchback$1,256$105
1.8T Hatchback$1,288$107
1.8T SE Hatchback$1,296$108
1.8T SEL Hatchback$1,336$111
R 4Motion Hatchback$1,412$118
R Hatchback$1,450$121

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2016 Volkswagen Golf, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2016 Volkswagen Golf Insurance Cost by Trim Level

2015 Volkswagen Golf Insurance Rates

Insurance rates average $1,150 per year for a 2015 Volkswagen Golf, or around $96 per month. Rates range from $970 per year for the Golf S Sportwagen Station Wagon to $1,364 for the Golf R 4Motion Hatchback Turbo.

2015 Volkswagen Golf Insurance Cost by Trim Level
2015 Volkswagen Golf Trim Level Annual Rate Per Month
S Sportwagen Station Wagon$970$81
Sportwagen Station Wagon$970$81
S Sportwagen Station Wagon Turbo Diesel$1,042$87
SE Sportwagen Station Wagon$1,078$90
SE Sportwagen Station Wagon Turbo Diesel$1,078$90
SEL Sportwagen Station Wagon$1,112$93
2.0T S Hatchback Turbo Diesel$1,138$95
SEL Sportwagen Station Wagon Turbo Diesel$1,148$96
1.8T S w/Sunroof Hatchback$1,174$98
1.8T S Hatchback$1,196$100
1.8T Launch Edition Hatchback$1,200$100
1.8T SE Hatchback$1,210$101
2.0T SE Hatchback Turbo Diesel$1,210$101
1.8T SEL Hatchback$1,246$104
2.0T SEL Hatchback Turbo Diesel$1,246$104
R 4Motion Hatchback Turbo$1,364$114

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2015 Volkswagen Golf, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2015 Volkswagen Golf Insurance Cost by Trim Level

2014 Volkswagen Golf Insurance Rates

Average insurance cost for a 2014 Volkswagen Golf is $1,186 per year, or around $99 per month. Rates range from $1,136 per year for the Golf 2.5 Hatchback to $1,236 for the Golf TDT Hatchback Turbo Diesel.

2014 Volkswagen Golf Insurance Cost by Trim Level
2014 Volkswagen Golf Trim Level Annual Rate Per Month
2.5 Hatchback$1,136$95
TDT Hatchback Turbo Diesel$1,236$103

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2014 Volkswagen Golf, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2014 Volkswagen Golf Insurance Cost by Trim Level

2013 Volkswagen Golf Insurance Rates

Insurance rates for a 2013 Volkswagen Golf average $1,234 per year, or about $103 per month. Rates range from $1,106 per year for the Golf 2.5 Hatchback to $1,334 for the Golf R Hatchback.

2013 Volkswagen Golf Insurance Cost by Trim Level
2013 Volkswagen Golf Trim Level Annual Rate Per Month
2.5 Hatchback$1,106$92
TDT Hatchback Turbo Diesel$1,188$99
2.0T Hatchback Turbo Diesel$1,240$103
R 4Motion Hatchback$1,304$109
R Hatchback$1,334$111

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2013 Volkswagen Golf, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2013 Volkswagen Golf Insurance Cost by Trim Level