- Volkswagen Golf car insurance cost averages $1,704 per year, or about $142 per month for a policy with full coverage.
- The cheapest VW Golf insurance is on the GTI S trim level, costing around $1,536 per year. The most expensive car insurance is for the R 20th Anniversary Edition at $1,842 per year.
- The VW Golf is one of the cheaper small cars to insure, costing $100 less 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 $1,704 a year for full coverage. Depending on the trim level being insured, insurance cost per month for a Golf ranges from $128 to $154.
When compared to the national average car insurance rate of $1,728, insurance for a VW Golf is $24 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 $418 a year, liability will cost around $530, and the remaining collision coverage will cost an estimated $756.
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 $12,736 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 $268 per year over a good credit rating of 670-739. Conversely, a lesser credit score could cost as much as $310 more per year.
- Make your policy cheaper by raising deductibles. Raising your policy deductibles from $500 to $1,000 could save around $268 per year for a 40-year-old driver and $520 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 $276 per year for a 40-year-old driver and $546 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 $288 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 $2,068 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 $446 per year. Serious moving violations like driving under the influence or reckless driving could raise rates by an additional $1,562 or more.
- VW Golf insurance rates for teenagers are high. Average rates for full coverage Golf insurance costs $6,088 per year for a 16-year-old driver, $5,692 per year for a 17-year-old driver, and $5,320 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 $1,536 per year, or about $128 per month and the second cheapest to insure is the GTI SE at $1,624 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 $1,836 and $1,842 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.
| Volkswagen Golf Trim Level | Annual Policy | Six-Month Policy | Per Month |
|---|---|---|---|
| GTI S | $1,536 | $768 | $128 |
| GTI SE | $1,624 | $812 | $135 |
| GTI Autobahn | $1,684 | $842 | $140 |
| R | $1,836 | $918 | $153 |
| R 20th Anniversary Edition | $1,842 | $921 | $154 |
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 $1,704 per year for insurance, while the class average rate is $1,804 per year, a difference of $100 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, $22 more than the Nissan Sentra, and $274 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.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Subaru Impreza | $1,498 | -$206 |
| 2 | Volkswagen Jetta | $1,654 | -$50 |
| 3 | Nissan Sentra | $1,682 | -$22 |
| 4 | Toyota Corolla | $1,700 | -$4 |
| 5 | Volkswagen Golf | $1,704 | -- |
| 6 | Toyota Prius | $1,706 | $2 |
| 7 | Mazda 3 | $1,738 | $34 |
| 8 | Honda Civic | $1,772 | $68 |
| 9 | Kia Forte | $1,778 | $74 |
| 10 | Mitsubishi Mirage G4 | $1,784 | $80 |
| 11 | Nissan Leaf | $1,826 | $122 |
| 12 | Nissan Versa | $1,932 | $228 |
| 13 | Hyundai Elantra | $1,978 | $274 |
| 14 | Toyota GR Corolla | $2,058 | $354 |
| 15 | Toyota Mirai | $2,248 | $544 |
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 $1,632 per year to insure, or around $136 per month. Rates range from $1,498 per year for the Golf GTI S to $1,800 for the Golf R.
| 2022 Volkswagen Golf Trim Level | Annual Rate | Per Month |
|---|---|---|
| GTI S | $1,498 | $125 |
| GTI SE | $1,592 | $133 |
| GTI Autobahn | $1,644 | $137 |
| R | $1,800 | $150 |
2021 Volkswagen Golf Car Insurance Rates
Average insurance cost on a 2021 Volkswagen Golf are $1,414 per year, or around $118 per month. Rates range from $1,290 per year for the Golf ALLTrack S 4Motion Station Wagon to $1,690 for the Golf R 4Motion Hatchback.
| 2021 Volkswagen Golf Trim Level | Annual Rate | Per Month |
|---|---|---|
| ALLTrack S 4Motion Station Wagon | $1,290 | $108 |
| S Station Wagon | $1,296 | $108 |
| 1.4 S Hatchback | $1,328 | $111 |
| S 4Motion Station Wagon | $1,372 | $114 |
| ALLTrack SE 4Motion Station Wagon | $1,392 | $116 |
| 1.4 SE Hatchback | $1,406 | $117 |
| SE Station Wagon | $1,472 | $123 |
| ALLTrack SEL 4Motion Station Wagon | $1,482 | $124 |
| R 4Motion Hatchback | $1,690 | $141 |
2020 Volkswagen Golf Car Insurance Rates
Average insurance cost on a 2020 Volkswagen Golf are $1,394 per year, or around $116 per month. Rates range from $1,272 per year for the Golf ALLTrack S 4Motion Station Wagon to $1,662 for the Golf R 4Motion Hatchback.
| 2020 Volkswagen Golf Trim Level | Annual Rate | Per Month |
|---|---|---|
| ALLTrack S 4Motion Station Wagon | $1,272 | $106 |
| S Station Wagon | $1,278 | $107 |
| 1.4 S Hatchback | $1,308 | $109 |
| S 4Motion Station Wagon | $1,350 | $113 |
| ALLTrack SE 4Motion Station Wagon | $1,370 | $114 |
| 1.4 SE Hatchback | $1,384 | $115 |
| SE Station Wagon | $1,448 | $121 |
| ALLTrack SEL 4Motion Station Wagon | $1,456 | $121 |
| R 4Motion Hatchback | $1,662 | $139 |
2019 Volkswagen Golf Insurance Rates
Insurance rates for a 2019 Volkswagen Golf average $1,356 per year, or about $113 per month. Rates range from $1,236 per year for the Golf ALLTrack S 4Motion Station Wagon to $1,616 for the Golf R 4Motion Hatchback.
| 2019 Volkswagen Golf Trim Level | Annual Rate | Per Month |
|---|---|---|
| ALLTrack S 4Motion Station Wagon | $1,236 | $103 |
| S Station Wagon | $1,244 | $104 |
| 1.4 S Hatchback | $1,274 | $106 |
| S 4Motion Station Wagon | $1,316 | $110 |
| ALLTrack SE 4Motion Station Wagon | $1,332 | $111 |
| 1.4 SE Hatchback | $1,348 | $112 |
| SE Station Wagon | $1,410 | $118 |
| ALLTrack SEL 4Motion Station Wagon | $1,414 | $118 |
| R 4Motion Hatchback | $1,616 | $135 |
2018 Volkswagen Golf Insurance Rates
2018 Volkswagen Golf insurance cost averages $1,318 per year, or around $110 per month. Cost ranges from $1,200 per year for the Golf ALLTrack S Station Wagon to $1,532 for the Golf R Hatchback.
| 2018 Volkswagen Golf Trim Level | Annual Rate | Per Month |
|---|---|---|
| ALLTrack S Station Wagon | $1,200 | $100 |
| S Sportwagen Station Wagon | $1,212 | $101 |
| 1.8T S Hatchback | $1,258 | $105 |
| 1.8T SE Hatchback | $1,290 | $108 |
| ALLTrack SE Station Wagon | $1,290 | $108 |
| 1.8T S 4Motion Station Wagon | $1,304 | $109 |
| SE Sportwagen Station Wagon | $1,326 | $111 |
| ALLTrack SEL Station Wagon | $1,350 | $113 |
| SEL Sportwagen Station Wagon | $1,416 | $118 |
| R Hatchback | $1,532 | $128 |
2017 Volkswagen Golf Insurance Rates
A 2017 Volkswagen Golf averages $1,238 per year for full coverage insurance, or around $103 per month. Rates range from $1,118 per year for the Golf ALLTrack S Station Wagon to $1,428 for the Golf R 4Motion Hatchback.
| 2017 Volkswagen Golf Trim Level | Annual Rate | Per Month |
|---|---|---|
| ALLTrack S Station Wagon | $1,118 | $93 |
| 1.8T S Hatchback | $1,144 | $95 |
| S Sportwagen Station Wagon | $1,144 | $95 |
| 1.8T S Wolfsburg Hatchback | $1,186 | $99 |
| S Sportwagen 4Motion Station Wagon | $1,186 | $99 |
| ALLTrack SE Station Wagon | $1,190 | $99 |
| ALLTrack SEL Station Wagon | $1,234 | $103 |
| SE Sportwagen Station Wagon | $1,272 | $106 |
| SEL Sportwagen Station Wagon | $1,314 | $110 |
| R 2.0 Hatchback | $1,392 | $116 |
| R 4Motion Hatchback | $1,428 | $119 |
2016 Volkswagen Golf Insurance Rates
Average insurance cost for a 2016 Volkswagen Golf is $1,284 per year, or around $107 per month. Rates range from $1,024 per year for the Golf S Sportwagen Station Wagon to $1,490 for the Golf R Hatchback.
| 2016 Volkswagen Golf Trim Level | Annual Rate | Per Month |
|---|---|---|
| S Sportwagen Station Wagon | $1,024 | $85 |
| SE Sportwagen Station Wagon | $1,144 | $95 |
| SEL Sportwagen Station Wagon | $1,184 | $99 |
| 1.8T S Hatchback | $1,244 | $104 |
| 1.8T S w/Sunroof Hatchback | $1,288 | $107 |
| 1.8T Hatchback | $1,324 | $110 |
| 1.8T SE Hatchback | $1,328 | $111 |
| 1.8T SEL Hatchback | $1,368 | $114 |
| R 4Motion Hatchback | $1,450 | $121 |
| R Hatchback | $1,490 | $124 |
2015 Volkswagen Golf Insurance Rates
Insurance rates average $1,180 per year for a 2015 Volkswagen Golf, or around $98 per month. Rates range from $994 per year for the Golf S Sportwagen Station Wagon to $1,400 for the Golf R 4Motion Hatchback Turbo.
| 2015 Volkswagen Golf Trim Level | Annual Rate | Per Month |
|---|---|---|
| S Sportwagen Station Wagon | $994 | $83 |
| Sportwagen Station Wagon | $994 | $83 |
| S Sportwagen Station Wagon Turbo Diesel | $1,068 | $89 |
| SE Sportwagen Station Wagon | $1,106 | $92 |
| SE Sportwagen Station Wagon Turbo Diesel | $1,106 | $92 |
| SEL Sportwagen Station Wagon | $1,142 | $95 |
| 2.0T S Hatchback Turbo Diesel | $1,166 | $97 |
| SEL Sportwagen Station Wagon Turbo Diesel | $1,178 | $98 |
| 1.8T S w/Sunroof Hatchback | $1,204 | $100 |
| 1.8T S Hatchback | $1,230 | $103 |
| 1.8T Launch Edition Hatchback | $1,232 | $103 |
| 1.8T SE Hatchback | $1,242 | $104 |
| 2.0T SE Hatchback Turbo Diesel | $1,242 | $104 |
| 1.8T SEL Hatchback | $1,276 | $106 |
| 2.0T SEL Hatchback Turbo Diesel | $1,276 | $106 |
| R 4Motion Hatchback Turbo | $1,400 | $117 |
2014 Volkswagen Golf Insurance Rates
Average insurance cost for a 2014 Volkswagen Golf is $1,216 per year, or around $101 per month. Rates range from $1,166 per year for the Golf 2.5 Hatchback to $1,270 for the Golf TDT Hatchback Turbo Diesel.
| 2014 Volkswagen Golf Trim Level | Annual Rate | Per Month |
|---|---|---|
| 2.5 Hatchback | $1,166 | $97 |
| TDT Hatchback Turbo Diesel | $1,270 | $106 |
2013 Volkswagen Golf Insurance Rates
Insurance rates for a 2013 Volkswagen Golf average $1,266 per year, or about $106 per month. Rates range from $1,136 per year for the Golf 2.5 Hatchback to $1,372 for the Golf R Hatchback.
| 2013 Volkswagen Golf Trim Level | Annual Rate | Per Month |
|---|---|---|
| 2.5 Hatchback | $1,136 | $95 |
| TDT Hatchback Turbo Diesel | $1,220 | $102 |
| 2.0T Hatchback Turbo Diesel | $1,274 | $106 |
| R 4Motion Hatchback | $1,338 | $112 |
| R Hatchback | $1,372 | $114 |
