Volkswagen Golf Car Insurance Rates for 2021

We analyzed average car insurance rates from the Alltrack S up to the R 4Motion Hatchback to see how VW Golf insurance cost compared to the rest of the compact car segment.

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How much does Volkswagen Golf car insurance cost?

Average car insurance rates for a Volkswagen Golf cost $1,276 a year for full coverage. Depending on the trim level being insured, insurance cost per month for a Golf ranges from $97 to $128.

From an individual policy coverage perspective, comprehensive coverage will cost an estimated $320 a year, liability will cost around $332, and the remaining collision coverage will cost an estimated $624.

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 2021 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.
Volkswagen Golf Car Insurance Rates
Volkswagen Golf Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,106$176
$500$2,526$211
$250$2,970$248
30$1,000$1,120$93
$500$1,352$113
$250$1,596$133
40$1,000$1,062$89
$500$1,276$106
$250$1,500$125
50$1,000$968$81
$500$1,160$97
$250$1,364$114
60$1,000$952$79
$500$1,140$95
$250$1,340$112

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 $9,944 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 $200 per year over a good credit rating of 670-739. Conversely, a lesser credit score could cost as much as $232 more per year.
  • Make your policy cheaper by raising deductibles. Raising your policy deductibles from $500 to $1,000 could save around $214 per year for a 40-year-old driver and $420 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 $224 per year for a 40-year-old driver and $444 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 many other policy discounts which could save the average driver as much as $214 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 $1,534 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 bleminshes on your motor vehicle report have the potential to raise policy rates by as much as $328 per year. Serious moving violations like driving under the influence or reckless driving could raise rates by an additional $1,158 or more.
  • VW Golf insurance rates for teenagers are high. Average rates for full coverage Golf insurance costs $4,454 per year for a 16-year-old driver, $4,192 per year for a 17-year-old driver, and $3,928 per year for a 18-year-old driver.

Which VW Golf insurance is cheapest?

The cheapest trim level of Volkswagen Golf to insure is the S Station Wagon at an estimated $1,168 per year, or about $97 per month. The second cheapest trim is the ALLTrack S 4Motion Station Wagon at $1,170 per year, and the third cheapest model to insure is the 1.4 S Hatchback at $1,198 per year.

On the opposite end of the price range, the three highest-cost Golf models to insure are the Volkswagen Golf SE Station Wagon, the ALLTrack SEL 4Motion Station Wagon, and the R 4Motion Hatchback trim levels at around $1,328,  $1,346, and $1,530 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 2021 VW Golf model and trim level.

2021 Volkswagen Golf Insurance Cost by Trim Level
Volkswagen Golf Trim Level Annual Policy 6-month Policy Per Month
S Station Wagon$1,168$584$97
ALLTrack S 4Motion Station Wagon$1,170$585$98
1.4 S Hatchback$1,198$599$100
S 4Motion Station Wagon$1,236$618$103
ALLTrack SE 4Motion Station Wagon$1,262$631$105
1.4 SE Hatchback$1,268$634$106
SE Station Wagon$1,328$664$111
ALLTrack SEL 4Motion Station Wagon$1,346$673$112
R 4Motion Hatchback$1,530$765$128

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.
Volkswagen Golf Insurance Cost by Trim Level

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

The Volkswagen Golf ranks #4 out of 24 total comparison vehicles in the small car category. The Golf costs an estimated $1,276 per year for insurance, while the class average rate is $1,469 per year, a difference of $193 per year.

When compared directly to other popular small cars, insurance for a VW Golf costs $76 less per year than the Honda Civic, $42 more than the Toyota Corolla, $62 less than the Nissan Sentra, and $366 less than the Hyundai Elantra.

The table below shows how well VW Golf insurance prices compare to the entire compact car segment for the 2021 model year.

Insurance Cost Comparison: Volkswagen Golf vs Small Cars
Rank Make/Model Insurance Cost Difference
1Chevrolet Spark$1,166-$110
2Kia Rio5$1,226-$50
3Toyota Corolla$1,234-$42
4Volkswagen Golf$1,276--
5Subaru Impreza$1,286$10
6Nissan Sentra$1,338$62
7Honda Civic$1,352$76
8Mazda 3$1,352$76
9Kia Rio$1,374$98
10Hyundai Accent$1,388$112
11Kia Forte$1,408$132
12Toyota Prius$1,492$216
13Volkswagen Jetta$1,536$260
14Volkswagen GTI$1,536$260
15Hyundai Veloster$1,540$264
16Chevrolet Bolt$1,544$268
17Nissan Versa$1,546$270
18Nissan Leaf$1,552$276
19Mitsubishi Mirage G4$1,560$284
20Honda Clarity$1,624$348
21Hyundai Elantra$1,642$366
22Hyundai Ioniq$1,670$394
23Toyota 86$1,774$498
24Toyota Mirai$1,840$564

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2021 model year, 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, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.
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 for the 2013 to 2020 model years.

2020 Volkswagen Golf Car Insurance Rates

Average insurance cost on a 2020 Volkswagen Golf are $1,240 per year, or around $103 per month. Rates range from $1,140 per year for the Golf ALLTrack S 4Motion Station Wagon to $1,488 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$1,140$95
S Station Wagon$1,140$95
1.4 S Hatchback$1,168$97
S 4Motion Station Wagon$1,206$101
ALLTrack SE 4Motion Station Wagon$1,228$102
1.4 SE Hatchback$1,238$103
SE Station Wagon$1,296$108
ALLTrack SEL 4Motion Station Wagon$1,308$109
R 4Motion Hatchback$1,488$124

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.
2020 Volkswagen Golf Insurance Cost by Trim Level

2019 Volkswagen Golf Insurance Rates

Insurance rates for a 2019 Volkswagen Golf average $1,216 per year, or about $101 per month. Rates range from $1,116 per year for the Golf ALLTrack S 4Motion Station Wagon to $1,458 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$1,116$93
S Station Wagon$1,118$93
1.4 S Hatchback$1,146$96
S 4Motion Station Wagon$1,182$99
ALLTrack SE 4Motion Station Wagon$1,202$100
1.4 SE Hatchback$1,214$101
SE Station Wagon$1,270$106
ALLTrack SEL 4Motion Station Wagon$1,280$107
R 4Motion Hatchback$1,458$122

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.
2019 Volkswagen Golf Insurance Cost by Trim Level

2018 Volkswagen Golf Insurance Rates

2018 Volkswagen Golf insurance cost averages $1,208 per year, or around $101 per month. Cost ranges from $1,098 per year for the Golf ALLTrack S Station Wagon to $1,398 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$1,098$92
S Sportwagen Station Wagon$1,102$92
1.8T S Hatchback$1,144$95
1.8T SE Hatchback$1,172$98
ALLTrack SE Station Wagon$1,182$99
1.8T S 4Motion Station Wagon$1,184$99
SE Sportwagen Station Wagon$1,206$101
ALLTrack SEL Station Wagon$1,238$103
SEL Sportwagen Station Wagon$1,292$108
R Hatchback$1,398$117

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.
2018 Volkswagen Golf Insurance Cost by Trim Level

2017 Volkswagen Golf Insurance Rates

A 2017 Volkswagen Golf averages $1,142 per year for full coverage insurance, or around $95 per month. Rates range from $1,038 per year for the Golf ALLTrack S Station Wagon to $1,336 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$1,038$87
1.8T S Hatchback$1,052$88
S Sportwagen Station Wagon$1,052$88
1.8T S Wolfsburg Hatchback$1,094$91
S Sportwagen 4Motion Station Wagon$1,094$91
ALLTrack SE Station Wagon$1,106$92
ALLTrack SEL Station Wagon$1,148$96
SE Sportwagen Station Wagon$1,174$98
SEL Sportwagen Station Wagon$1,214$101
R 2.0 Hatchback$1,296$108
R 4Motion Hatchback$1,336$111

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.
2017 Volkswagen Golf Insurance Cost by Trim Level

2016 Volkswagen Golf Insurance Rates

Average insurance cost for a 2016 Volkswagen Golf is $1,178 per year, or around $98 per month. Rates range from $954 per year for the Golf S Sportwagen Station Wagon to $1,384 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$954$80
SE Sportwagen Station Wagon$1,070$89
SEL Sportwagen Station Wagon$1,110$93
1.8T S Hatchback$1,144$95
1.8T S w/Sunroof Hatchback$1,190$99
1.8T Hatchback$1,210$101
1.8T SE Hatchback$1,230$103
1.8T SEL Hatchback$1,268$106
R 4Motion Hatchback$1,346$112
R Hatchback$1,384$115

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.
2016 Volkswagen Golf Insurance Cost by Trim Level

2015 Volkswagen Golf Insurance Rates

Insurance rates average $1,112 per year for a 2015 Volkswagen Golf, or around $93 per month. Rates range from $944 per year for the Golf S Sportwagen Station Wagon to $1,318 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$944$79
Sportwagen Station Wagon$944$79
S Sportwagen Station Wagon Turbo Diesel$1,016$85
SE Sportwagen Station Wagon$1,054$88
SE Sportwagen Station Wagon Turbo Diesel$1,054$88
2.0T S Hatchback Turbo Diesel$1,088$91
SEL Sportwagen Station Wagon$1,090$91
1.8T S w/Sunroof Hatchback$1,124$94
SEL Sportwagen Station Wagon Turbo Diesel$1,126$94
1.8T Launch Edition Hatchback$1,132$94
1.8T S Hatchback$1,144$95
1.8T SE Hatchback$1,160$97
2.0T SE Hatchback Turbo Diesel$1,160$97
1.8T SEL Hatchback$1,198$100
2.0T SEL Hatchback Turbo Diesel$1,198$100
R 4Motion Hatchback Turbo$1,318$110

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.
2015 Volkswagen Golf Insurance Cost by Trim Level

2014 Volkswagen Golf Insurance Rates

Average insurance cost for a 2014 Volkswagen Golf is $1,148 per year, or around $96 per month. Rates range from $1,080 per year for the Golf 2.5 Hatchback to $1,182 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$1,080$90
TDT Hatchback Turbo Diesel$1,182$99

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.
2014 Volkswagen Golf Insurance Cost by Trim Level

2013 Volkswagen Golf Insurance Rates

Insurance rates for a 2013 Volkswagen Golf average $1,134 per year, or about $95 per month. Rates range from $1,036 per year for the Golf 2.5 Hatchback to $1,270 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$1,036$86
TDT Hatchback Turbo Diesel$1,122$94
2.0T Hatchback Turbo Diesel$1,176$98
R 4Motion Hatchback$1,240$103
R Hatchback$1,270$106

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.
2013 Volkswagen Golf Insurance Cost by Trim Level