Volkswagen Golf Car Insurance Rates for 2022

We analyzed average car insurance rates from the GTI S model up to the Golf R to see how cost compares 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 $1,466 a year for full coverage. Depending on the trim level being insured, insurance cost per month for a Golf ranges from $112 to $135.

When compared to the national average car insurance rate of $1,567, insurance for a VW Golf is $101 less per year. The Golf ranks #3 for affordable car insurance rates out of 20 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 $362 a year, liability will cost around $454, and the remaining collision coverage will cost an estimated $650.

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 2022 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 September 27, 2022
Volkswagen Golf Car Insurance Rates
Volkswagen Golf Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,462$205
$500$2,908$242
$250$3,382$282
30$1,000$1,296$108
$500$1,548$129
$250$1,806$151
40$1,000$1,236$103
$500$1,466$122
$250$1,704$142
50$1,000$1,128$94
$500$1,334$111
$250$1,552$129
60$1,000$1,108$92
$500$1,310$109
$250$1,524$127

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 $11,794 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 $230 per year over a good credit rating of 670-739. Conversely, a lesser credit score could cost as much as $267 more per year.
  • Make your policy cheaper by raising deductibles. Raising your policy deductibles from $500 to $1,000 could save around $230 per year for a 40-year-old driver and $446 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 $238 per year for a 40-year-old driver and $474 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 $248 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 $1,774 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 $384 per year. Serious moving violations like driving under the influence or reckless driving could raise rates by an additional $1,344 or more.
  • VW Golf insurance rates for teenagers are high. Average rates for full coverage Golf insurance costs $5,228 per year for a 16-year-old driver, $4,892 per year for a 17-year-old driver, and $4,570 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 GTI S at an estimated $1,346 per year, or about $112 per month and the second cheapest to insure is the GTI SE at $1,430 per year.

On the opposite end of the price range, the more expensive Golf models to insure are the Volkswagen Golf GTI Autobahn and the R trim levels at around $1,476 and $1,614 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 2022 VW Golf model and trim level.

2022 Volkswagen Golf Insurance Cost by Trim Level
Volkswagen Golf Trim Level Annual Policy 6-month Policy Per Month
GTI S$1,346$673$112
GTI SE$1,430$715$119
GTI Autobahn$1,476$738$123
R$1,614$807$135

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 September 27, 2022
Volkswagen Golf Insurance Cost by Trim Level

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

The Volkswagen Golf ranks #3 out of 20 total comparison vehicles in the small car category. The Golf costs an estimated $1,466 per year for insurance, while the class average rate is $1,569 per year, a difference of $103 per year.

When compared directly to other popular small cars, insurance for a VW Golf costs $44 less per year than the Honda Civic, $34 less than the Toyota Corolla, $22 less than the Nissan Sentra, and $254 less than the Hyundai Elantra.

The table below shows how well VW Golf insurance prices compare to the entire compact car segment for the 2022 model year.

Insurance Cost Comparison: Volkswagen Golf vs Small Cars
Rank Make/Model Insurance Cost Difference
1Subaru Impreza$1,324-$142
2Chevrolet Spark$1,328-$138
3Volkswagen Golf$1,466--
4Volkswagen Jetta$1,482$16
5Nissan Sentra$1,488$22
6Toyota Corolla$1,500$34
7Kia Rio$1,504$38
8Honda Civic$1,510$44
9Mazda 3$1,516$50
10Toyota Prius$1,526$60
11Hyundai Accent$1,544$78
12Hyundai Veloster$1,556$90
13Kia Forte$1,560$94
14Nissan Leaf$1,628$162
15Hyundai Ioniq$1,636$170
16Honda Clarity$1,678$212
17Nissan Versa$1,718$252
18Hyundai Elantra$1,720$254
19Mitsubishi Mirage G4$1,728$262
20Toyota Mirai$1,968$502

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 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.Data last updated on September 27, 2022
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 2021 model years.

2021 Volkswagen Golf Car Insurance Rates

Average insurance cost on a 2021 Volkswagen Golf are $1,268 per year, or around $106 per month. Rates range from $1,158 per year for the Golf ALLTrack S 4Motion Station Wagon to $1,514 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$1,158$97
S Station Wagon$1,158$97
1.4 S Hatchback$1,188$99
S 4Motion Station Wagon$1,228$102
ALLTrack SE 4Motion Station Wagon$1,248$104
1.4 SE Hatchback$1,260$105
SE Station Wagon$1,316$110
ALLTrack SEL 4Motion Station Wagon$1,330$111
R 4Motion Hatchback$1,514$126

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 September 27, 2022
2021 Volkswagen Golf Insurance Cost by Trim Level

2020 Volkswagen Golf Car Insurance Rates

Average insurance cost on a 2020 Volkswagen Golf are $1,242 per year, or around $104 per month. Rates range from $1,130 per year for the Golf ALLTrack S 4Motion Station Wagon to $1,482 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$1,130$94
S Station Wagon$1,138$95
1.4 S Hatchback$1,166$97
S 4Motion Station Wagon$1,204$100
ALLTrack SE 4Motion Station Wagon$1,220$102
1.4 SE Hatchback$1,234$103
SE Station Wagon$1,292$108
ALLTrack SEL 4Motion Station Wagon$1,298$108
R 4Motion Hatchback$1,482$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.Data last updated on September 27, 2022
2020 Volkswagen Golf Insurance Cost by Trim Level

2019 Volkswagen Golf Insurance Rates

Insurance rates for a 2019 Volkswagen Golf average $1,222 per year, or about $102 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$1,120$93
1.4 S Hatchback$1,146$96
S 4Motion Station Wagon$1,186$99
ALLTrack SE 4Motion Station Wagon$1,202$100
1.4 SE Hatchback$1,216$101
SE Station Wagon$1,270$106
ALLTrack SEL 4Motion Station Wagon$1,278$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.Data last updated on September 27, 2022
2019 Volkswagen Golf Insurance Cost by Trim Level

2018 Volkswagen Golf Insurance Rates

2018 Volkswagen Golf insurance cost averages $1,190 per year, or around $99 per month. Cost ranges from $1,086 per year for the Golf ALLTrack S Station Wagon to $1,384 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$1,086$91
S Sportwagen Station Wagon$1,094$91
1.8T S Hatchback$1,134$95
1.8T SE Hatchback$1,164$97
ALLTrack SE Station Wagon$1,168$97
1.8T S 4Motion Station Wagon$1,176$98
SE Sportwagen Station Wagon$1,196$100
ALLTrack SEL Station Wagon$1,220$102
SEL Sportwagen Station Wagon$1,278$107
R Hatchback$1,384$115

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 September 27, 2022
2018 Volkswagen Golf Insurance Cost by Trim Level

2017 Volkswagen Golf Insurance Rates

A 2017 Volkswagen Golf averages $1,132 per year for full coverage insurance, or around $94 per month. Rates range from $1,024 per year for the Golf ALLTrack S Station Wagon to $1,320 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$1,024$85
1.8T S Hatchback$1,044$87
S Sportwagen Station Wagon$1,044$87
1.8T S Wolfsburg Hatchback$1,084$90
S Sportwagen 4Motion Station Wagon$1,084$90
ALLTrack SE Station Wagon$1,092$91
ALLTrack SEL Station Wagon$1,130$94
SE Sportwagen Station Wagon$1,162$97
SEL Sportwagen Station Wagon$1,202$100
R 2.0 Hatchback$1,282$107
R 4Motion Hatchback$1,320$110

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 September 27, 2022
2017 Volkswagen Golf Insurance Cost by Trim Level

2016 Volkswagen Golf Insurance Rates

Average insurance cost for a 2016 Volkswagen Golf is $1,164 per year, or around $97 per month. Rates range from $928 per year for the Golf S Sportwagen Station Wagon to $1,352 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$928$77
SE Sportwagen Station Wagon$1,040$87
SEL Sportwagen Station Wagon$1,078$90
1.8T S Hatchback$1,124$94
1.8T S w/Sunroof Hatchback$1,166$97
1.8T Hatchback$1,188$99
1.8T SE Hatchback$1,204$100
1.8T SEL Hatchback$1,240$103
R 4Motion Hatchback$1,314$110
R Hatchback$1,352$113

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 September 27, 2022
2016 Volkswagen Golf Insurance Cost by Trim Level

2015 Volkswagen Golf Insurance Rates

Insurance rates average $1,092 per year for a 2015 Volkswagen Golf, or around $91 per month. Rates range from $924 per year for the Golf S Sportwagen Station Wagon to $1,294 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$924$77
Sportwagen Station Wagon$924$77
S Sportwagen Station Wagon Turbo Diesel$994$83
SE Sportwagen Station Wagon$1,030$86
SE Sportwagen Station Wagon Turbo Diesel$1,030$86
SEL Sportwagen Station Wagon$1,066$89
2.0T S Hatchback Turbo Diesel$1,074$90
SEL Sportwagen Station Wagon Turbo Diesel$1,100$92
1.8T S w/Sunroof Hatchback$1,108$92
1.8T Launch Edition Hatchback$1,124$94
1.8T S Hatchback$1,128$94
1.8T SE Hatchback$1,144$95
2.0T SE Hatchback Turbo Diesel$1,144$95
1.8T SEL Hatchback$1,178$98
2.0T SEL Hatchback Turbo Diesel$1,178$98
R 4Motion Hatchback Turbo$1,294$108

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 September 27, 2022
2015 Volkswagen Golf Insurance Cost by Trim Level

2014 Volkswagen Golf Insurance Rates

Average insurance cost for a 2014 Volkswagen Golf is $1,104 per year, or around $92 per month. Rates range from $1,056 per year for the Golf 2.5 Hatchback to $1,152 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$1,056$88
TDT Hatchback Turbo Diesel$1,152$96

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 September 27, 2022
2014 Volkswagen Golf Insurance Cost by Trim Level

2013 Volkswagen Golf Insurance Rates

Insurance rates for a 2013 Volkswagen Golf average $1,144 per year, or about $95 per month. Rates range from $1,022 per year for the Golf 2.5 Hatchback to $1,240 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$1,022$85
TDT Hatchback Turbo Diesel$1,102$92
2.0T Hatchback Turbo Diesel$1,152$96
R 4Motion Hatchback$1,210$101
R Hatchback$1,240$103

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 September 27, 2022
2013 Volkswagen Golf Insurance Cost by Trim Level