Volkswagen Golf Sportwagen Car Insurance Cost 2025
Insuring a Volkswagen Golf Sportwagen with American National P usually costs around $1,170 per year. However, the actual price may vary depending on factors such as your age, the car’s model year, and other considerations. You can utilize the quote tables below to obtain a personalized estimate.
We’ve saved shoppers an average of $600 per year on their car insurance.
The Volkswagen Golf Sportwagen is a practical, versatile vehicle with solid safety ratings and reliable performance—qualities that help keep insurance costs manageable.
On average, full coverage for a 2025 Volkswagen Golf Sportwagen costs around $1,170 per year, or roughly $98 per month. This is slightly lower than the national average for similar compact wagons, making it a budget-friendly option for many drivers.
Of course, your exact premium will depend on personal factors like your age, location, driving history, and coverage level. Shopping around and comparing quotes from multiple providers is the best way to ensure you’re getting the best rate.
How Much Does Volkswagen Golf Sportwagen Car Insurance Cost?
Usually, American National P offers the most favorable option, charging approximately $1,170 per year for comprehensive insurance on a 2024 Volkswagen Golf Sportwagen.
While American National P ‘s rate is a useful starting point, it’s important to understand that car insurance costs can vary significantly due to various factors. These factors include your location, driving history, car’s age, and the specific coverage options you choose. Maintaining a clean driving record often results in lower premiums, but a history of accidents or traffic violations can increase rates.
Additionally, living in a busy urban area often leads to higher insurance rates compared to quieter rural areas. The type of coverage you select also impacts your premium; comprehensive coverage, which includes both comprehensive and collision coverage, tends to be more expensive than basic liability coverage.
At Insuranceopedia, we’re here to help you shop around and compare quotes from different insurance providers to ensure you find the most favorable deal.
Average Insurance Cost Of Volkswagen Golf Sportwagen Model Year
| Model Year | Average Premium |
| 2025 Volkswagen Golf Sportwagen | $1,164 |
| 2024 Volkswagen Golf Sportwagen | $1,095 |
| 2020 Volkswagen Golf Sportwagen | $1,373 |
| 2019 Volkswagen Golf Sportwagen | $1,825 |
| 2018 Volkswagen Golf Sportwagen | $1,911 |
| 2017 Volkswagen Golf Sportwagen | $1,047 |
| 2016 Volkswagen Golf Sportwagen | $769 |
| 2015 Volkswagen Golf Sportwagen | $1,015 |
2025 Volkswagen Golf Sportwagen Insurance Rates
The average annual insurance cost for a 2025 Volkswagen Golf Sportwagen is $1,164. However, GEICO offers the cheapest rates, averaging $1,050 per year.
| Insurance Provider | Average Annual Cost |
|---|---|
| GEICO | $1,050 |
| State Farm | $1,120 |
| Progressive | $1,180 |
| USAA | $1,100 |
| Nationwide | $1,150 |
| Allstate | $1,200 |
| Farmers | $1,250 |
| Travelers | $1,170 |
| Liberty Mutual | $1,230 |
| American Family Insurance | $1,190 |
2024 Volkswagen Golf Sportwagen Insurance Rates
The average annual insurance cost for a 2024 Volkswagen Golf Sportwagen is $1,095. However, Texas Farm Bureau Group offers the cheapest rates, averaging $841 per year.
| Insurance Provider | Average Annual Cost |
|---|---|
| Safety Group | $1,047 |
| Cincinnati Insurance | $1,337 |
| Penn National | $1,183 |
| Virginia Farm Bureau | $1,129 |
| American National P | $654 |
| Farm Bureau Mutual (IA Group) | $1,096 |
| Texas Farm Bureau Group | $841 |
| Country | $1,195 |
| ACE American Pool | $1,303 |
| Norfolk and Dedham Group | $1,165 |
2020 Volkswagen Golf Sportwagen Insurance Rates
The average annual insurance cost for a 2020 Volkswagen Golf Sportwagen is $1,373. However, USAA offers the cheapest rates, averaging $1,093 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $1,188 |
| Shelter | $1,810 |
| MO Farm Bureau Services | $1,516 |
| American Family | $1,334 |
| Westfield | $1,034 |
| Allied | $1,231 |
| USAA | $1,093 |
| Nationwide | $1,541 |
| Auto-Owners Insurance Co | $1,655 |
| Farmers | $1,324 |
2019 Volkswagen Golf Sportwagen Insurance Rates
The average annual insurance cost for a 2019 Volkswagen Golf Sportwagen is $1,825. However, Dairyland offers the cheapest rates, averaging $1,174 per year.
| Insurance Provider | Average Annual Cost |
| Grange | $1,728 |
| California Capital | $2,222 |
| Hartford | $2,037 |
| Unitrin | $1,842 |
| Dairyland | $1,174 |
| Esurance | $1,727 |
| SECURA Insurance | $1,219 |
| Nationwide | $2,077 |
| Allstate | $2,191 |
| Mercury | $2,030 |
2018 Volkswagen Golf Sportwagen Insurance Rates
The average annual insurance cost for a 2018 Volkswagen Golf Sportwagen is $1,911. However, National General offers the cheapest rates, averaging $809 per year.
| Insurance Provider | Average Annual Cost |
| 21st Century | $1,877 |
| Hartford | $2,200 |
| Farmers | $2,055 |
| Unitrin | $2,042 |
| National General | $809 |
| Grange | $1,994 |
| Mercury Insurance Company | $1,745 |
| CSAA | $2,142 |
| Mercury | $2,177 |
| California Capital | $2,066 |
2017 Volkswagen Golf Sportwagen Insurance Rates
The average annual insurance cost for a 2017 Volkswagen Golf Sportwagen is $1,047. However, SECURA Insurance offers the cheapest rates, averaging $792 per year.
| Insurance Provider | Average Annual Cost |
| West Bend Mutual | $925 |
| Mutual Of Enumclaw | $1,277 |
| Western National | $1,131 |
| Country | $1,100 |
| SECURA Insurance | $792 |
| Rockford Mutual Insurance | $979 |
| New Jersey Manufacturers | $857 |
| Pekin Insurance | $1,133 |
| Infinity Special | $1,203 |
| Rural Mutual Insurance | $1,068 |
2016 Volkswagen Golf Sportwagen Insurance Rates
The average annual insurance cost for a 2016 Volkswagen Golf Sportwagen is $759. However, PEMCO offers the cheapest rates, averaging $460 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Economy | $685 |
| Erie | $920 |
| Mutual Of Enumclaw | $866 |
| North Carolina Farm Bureau | $758 |
| PEMCO | $460 |
| Chubb | $728 |
| Capital Insurance Group | $541 |
| Dairyland | $900 |
| GMAC Insurance Group | $941 |
| Oregon Mutual | $789 |
2015 Volkswagen Golf Sportwagen Insurance Rates
The average annual insurance cost for a 2015 Volkswagen Golf Sportwagen is $1,015. However, Safeco offers the cheapest rates, averaging $187 per year.
| Insurance Provider | Average Annual Cost |
| Penn National | $667 |
| Donegal Mutual Insurance Co | $1,454 |
| Atlantic States Insurance | $1,372 |
| Chubb | $1,136 |
| Safeco | $187 |
| Plymouth Rock | $1,050 |
| Mercury Insurance | $232 |
| Tennessee Farmers | $1,371 |
| American Independent Ins Co | $1,425 |
| Cincinnati Insurance | $1,258 |
Find Affordable Volkswagen Golf Sportwagen Car Insurance
Are Volkswagen Golf Sportwagens Expensive To Insure?
The Volkswagen Golf Sportwagen is generally affordable to insure compared to other compact vehicles. On average, full coverage costs around $1,170 per year, which is slightly below the national average for similar models. Its solid safety ratings, moderate repair costs, and practical design make it a lower-risk vehicle in the eyes of insurance companies. However, the actual premium you’ll pay depends on your personal profile—including factors like your location, age, driving history, and coverage selections. Overall, the Golf Sportwagen strikes a good balance between value and insurance affordability, especially for drivers with clean records.
Cost of Volkswagen Golf Sportwagen Car Insurance By Age
Age is one of the most important factors influencing how much you’ll pay for car insurance. Young drivers, particularly teenagers, usually face the highest premiums because they are statistically more likely to be involved in accidents. Insurance companies view them as high-risk due to their lack of experience behind the wheel. As you get older and gain more experience, your risk level tends to decrease, and insurance costs generally follow. Most drivers begin to see lower rates in their mid-20s, with premiums continuing to decline through their 30s, 40s, and 50s—especially if they maintain a clean driving record.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
|---|---|---|---|
| 17 | $825 | $1,770 | $1,355 |
| 18 | $825 | $1,770 | $1,355 |
| 19 | $265 | $330 | $1,580 |
| 20 | $225 | $185 | $1,235 |
| 21 | $120 | $165 | $1,110 |
| 22 | $110 | $195 | $1,060 |
| 23 | $130 | $240 | $1,000 |
| 24 | $465 | $205 | $950 |
| 25 | $360 | $215 | $895 |
| 30 | $240 | $185 | $830 |
| 35 | $205 | $170 | $770 |
| 40 | $185 | $155 | $720 |
| 45 | $170 | $155 | $665 |
| 55 | $155 | $180 | $605 |
| 65 | $185 | $165 | $545 |
| 75 | $170 | $155 | $495 |
Volkswagen Golf Sportwagen Car Insurance Rates By State
Your location plays a major role in determining how much you’ll pay to insure your Volkswagen Golf Sportwagen. Every state has its own insurance regulations, which can significantly affect premium costs. For instance, Michigan drivers often face higher rates due to the state’s strict coverage requirements. Local weather conditions also matter—if you live in an area prone to floods, storms, or other extreme weather, your rates may be higher due to increased risk. Additionally, insurers factor in local statistics such as crime rates, vehicle theft, accident frequency, and fatalities. All of these elements influence your personalized insurance premium.
| State | Good Driver | Recent Accident | Poor Credit |
|---|---|---|---|
| Alabama | $2,020 | $2,947 | $3,750 |
| Alaska | $1,690 | $2,290 | $2,260 |
| Arizona | $1,920 | $2,765 | $4,015 |
| Arkansas | $2,090 | $3,240 | $3,550 |
| California | $2,290 | $4,080 | $2,275 |
| Colorado | $2,160 | $3,000 | $3,815 |
| Connecticut | $2,740 | $4,260 | $5,405 |
| Delaware | $2,310 | $3,060 | $3,900 |
| Florida | $2,725 | $3,740 | $4,905 |
| Hawaii | $885 | $1,220 | $900 |
| Idaho | $1,530 | $2,035 | $2,485 |
| Illinois | $1,615 | $2,425 | $2,775 |
| Indiana | $1,660 | $2,500 | $2,815 |
| Iowa | $1,330 | $1,800 | $2,110 |
| Kansas | $1,770 | $2,530 | $2,945 |
| Kentucky | $2,510 | $3,700 | $4,390 |
| Louisiana | $3,235 | $4,885 | $5,320 |
| Maine | $1,235 | $1,680 | $2,485 |
| Maryland | $1,970 | $2,890 | $3,195 |
| Massachusetts | $1,610 | $2,790 | $1,595 |
| Michigan | $3,830 | $5,855 | $9,200 |
| Minnesota | $1,600 | $2,105 | $2,960 |
| Mississippi | $1,920 | $2,730 | $2,745 |
| Missouri | $1,785 | $2,575 | $3,330 |
| Montana | $1,820 | $2,535 | $2,950 |
| Nebraska | $1,550 | $2,285 | $2,505 |
| Nevada | $2,540 | $3,805 | $4,035 |
| New Hampshire | $1,780 | $2,815 | $3,540 |
| New Jersey | $1,975 | $3,055 | $4,020 |
| New Mexico | $2,010 | $3,005 | $3,100 |
| New York | $1,870 | $2,350 | $3,905 |
| North Carolina | $1,160 | $1,985 | $1,415 |
| North Dakota | $1,600 | $2,380 | $2,850 |
| Ohio | $1,415 | $2,160 | $2,245 |
| Oklahoma | $2,270 | $3,210 | $3,620 |
| Oregon | $2,040 | $2,725 | $3,260 |
| Pennsylvania | $1,710 | $2,535 | $2,975 |
| Rhode Island | $2,865 | $4,215 | $4,735 |
| South Carolina | $1,955 | $2,690 | $3,735 |
| South Dakota | $1,755 | $2,520 | $2,900 |
| Tennessee | $2,050 | $3,050 | $4,065 |
| Texas | $2,070 | $3,020 | $3,735 |
| Utah | $1,765 | $2,485 | $3,435 |
| Vermont | $1,345 | $2,085 | $2,235 |
| Virginia | $1,275 | $1,950 | $1,920 |
| Washington | $1,710 | $2,310 | $2,740 |
| West Virginia | $1,710 | $2,445 | $3,080 |
| Wisconsin | $1,710 | $2,645 | $3,045 |
| Wyoming | $1,575 | $2,205 | $2,345 |
| Georgia | $2,255 | $3,335 | $3,360 |
Find Affordable Volkswagen Golf Sportwagen Car Insurance
Cheapest Car Insurance Companies For A Volkswagen Golf Sportwagen
GEICO offers the most affordable rate at approximately $1,050 annually, which breaks down to about $88 per month. State Farm provides competitive pricing with an estimated annual premium of $1,120, translating to roughly $93 monthly. Progressive’s estimated annual premium stands at $1,180, equating to approximately $98 per month. USAA offers a balanced option with an estimated annual premium of $1,100, or about $92 monthly. Nationwide provides comprehensive coverage options at an estimated annual premium of $1,150, which is around $96 per month.
| Insurance Company | Average Monthly |
|---|---|
| GEICO | $88 |
| State Farm | $93 |
| Progressive | $98 |
| USAA | $92 |
| Nationwide | $96 |
Common Volkswagen Golf Sportwagen Insurance Discounts
Discounts are a great way to lower your car insurance costs. While each auto insurance provider will offer their own discounts, there are some common ones which you can check your eligibility for:
- Multi-policy: If you bundle your home and auto insurance policies with one provider, you can often get a discounted rate.
- Pay annually: This is for people who pay their premium all at once, rather than spreading the payments out every month.
- Defensive driving: By taking defensive driving courses from a certified institution you can become eligible for discounted prices.
There are other discounts that you can apply for. You should speak to your insurance agent, as they can help you find ones that you are eligible for.
Compare Volkswagen Golf Sportwagen To Other Volkswagen Models
Looking for other Volkswagen model insurance costs?
- Volkswagen GTI Car Insurance
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- Volkswagen Tiguan Car Insurance
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- Volkswagen Golf R Car Insurance
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Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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FAQs
Do You Need Insurance Before You Can Purchase A Volkswagen Golf Sportwagen?
Yes, you’ll need to show proof of insurance before you can drive your Volkswagen Golf Sportwagen off the dealership lot. The best approach is to purchase a policy in advance and notify your insurance provider that you’re finalizing a new vehicle purchase. This ensures you’re fully covered the moment you take ownership. While dealerships may offer to arrange insurance for you, their options are often limited and may come at a higher cost. By organizing your coverage ahead of time, you’ll have more control over your policy and can compare quotes to find the best rate for your needs.
How Can You Get The Cheapest Insurance For Your Volkswagen Golf Sportwagen?
The most effective way to find the lowest insurance rates for your Volkswagen Golf Sportwagen is to shop around and compare quotes from different auto insurance companies. Rates can vary significantly from one provider to another, even for the same vehicle and driver profile. By comparing multiple offers, you can ensure you’re getting the best value for your coverage. At Insuranceopedia, we make this easy—our website lets you compare quotes from several trusted insurance providers all in one place. This saves you time and helps you find a policy that fits both your coverage needs and your budget.
