Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

Full Bio →

Written by

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

Full Bio →

Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Looking for a used Volkswagen Golf SportsWagen? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Volkswagen Golf SportsWagen insurance facts

  • Average full coverage auto insurance premium: $101/month

  • Most affordable companies: Nationwide ($79/month) & Progressive ($82/month)

  • Golf car insurance cost vs. average rate: $17 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Volkswagen Golf SportsWagen by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Below average Volkswagen Golf SportsWagen insurer costs by state:

Risk factors affecting Volkswagen Golf SportWagen car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Volkswagen Golf SportWagen car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Volkswagen models, you can get the following discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Volkswagen Automobile Brand

Volkswagen Group is the world’s largest automobile manufacturer overtaking Toyota, selling nearly 12 million vehicles worldwide and in the United States market. The target market of Volkswagen is urban and suburban consumers from 24 to 50 years old. All Volkswagen automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Tiguan, Beetle, Jetta, and Passat are some of their most popular vehicles.

Higher than average Golf SportWagen repair costs equal higher coverage rates

Many consumers are attracted to the Volkswagen cars for the performance, safety ratings, and driver-assist technologies, such as the forward-collision warning system. Automotive parts are pretty common, but not a cheap as popular vehicles, like Toyota or Honda. Repairing a Volkswagen is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Volkswagen’s are going to have higher than average car insurance rates to similar vehicles in its class.

Fast depreciation for Volkswagen Golf SportWagen affecting auto policies

Volkswagens are one of the fastest depreciating automobiles in the U.S. market, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Volkswagen models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Volkswagen’s are known for their safety ratings, safety features, 5-star crash test ratings, and driver-assist technologies (Attentiveness Monitoring), lowering coverage rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Volkswagen models. The Tiguan, Golf GTI, and Jetta are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Volkswagen top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Volkswagen automobile owners when buying a car insurance policy.

2019 Volkswagen Golf SportWagen

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1706
Allstate$1537
American Family$1316
Amica$1889
Country Financial$1650
Erie$1049
GEICO$1086
Kentucky Farm Bureau$1687
Liberty Mutual$1135
Mercury$1491
MetLife$1835
Nationwide$956
Progressive$980
State Farm$1247
Tennessee Farmers$1452
Texas Farm Bureau$1302
The Hanover$1703
Travelers$1540
USAA$1035

Compare all 2019 Volkswagen Golf SportWagen rates

Average Cost to Insure Per Year

$1215

List Price

$21895

Trims Available

TSI S - TSI S 4Motion - TSI SE - TSI SEL - Intercooled Turbo Regular Unleaded I-4 - Transmission Auto-Shift Manual w/OD - with safety features - Electronic Stability Control - Anti-Slip Regulation Engine - Brake Assist - Antilock Braking System Electronic - Brake Pressure Distribution - Hydraulic Brake Assist - Safety Cage - Intelligent Crash Response System - Automatic Post Collision Breaking - Tire Pressure Monitoring

2018 Volkswagen Golf SportWagen

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1883
Allstate$1528
American Family$1315
Amica$1882
Country Financial$1648
Erie$1030
GEICO$1042
Kentucky Farm Bureau$1653
Liberty Mutual$1130
Mercury$1485
MetLife$1830
Nationwide$936
Progressive$975
State Farm$1244
Tennessee Farmers$1450
Texas Farm Bureau$1299
The Hanover$1698
Travelers$1533

Compare all 2018 Volkswagen Golf SportWagen rates

Average Cost to Insure Per Year

$1206

List Price

$21685

Trims Available

TSI S - TSI S 4Motion - TSI SE - TSI SEL - Intercooled Turbo Regular Unleaded I-4 - Transmission Auto-Shift Manual w/OD - - with safety features - Electronic Stability Control - Anti-Slip Regulation Engine - Brake Assist - Antilock Braking System Electronic - Brake Pressure Distribution - Hydraulic Brake Assist - Safety Cage - Intelligent Crash Response System - Automatic Post Collision Breaking - Tire Pressure Monitoring

2017 Volkswagen Golf SportWagen

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1146
Acuity$ 1146
Allied$ 1122
Allied$ 1122
Erie$ 870
Erie$ 870
GEICO$ 1051
GEICO$ 1051
Mercury$ 1207
Mercury$ 1207
Plymouth Rock Insurance$ 1040
Plymouth Rock Insurance$ 1040
Progressive$ 1185
Progressive$ 1185
State Farm$ 1029
State Farm$ 1029
Tennessee Farmers$ 1022
Tennessee Farmers$ 1022
Texas Farm Bureau$ 914
Texas Farm Bureau$ 914
USAA$ 1061
USAA$ 1061
Vermont Mutual$ 1049
Vermont Mutual$ 1049

Compare all 2017 Volkswagen Golf SportWagen rates

Average Cost to Insure Per Year

$ 1171

List Price

$ 21580

Trims Available

TSI S - TSI S 4Motion - TSI SE - TSI SEL

2016 Volkswagen Golf SportWagen

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1128
Acuity$ 1128
Allied$ 1165
Allied$ 1165
American Family$ 1168
American Family$ 1168
Erie$ 808
Erie$ 808
GEICO$ 697
GEICO$ 697
Mercury$ 1179
Mercury$ 1179
Plymouth Rock Insurance$ 1013
Plymouth Rock Insurance$ 1013
Progressive$ 844
Progressive$ 844
State Farm$ 867
State Farm$ 867
Texas Farm Bureau$ 866
Texas Farm Bureau$ 866
USAA$ 1054
USAA$ 1054
Vermont Mutual$ 1032
Vermont Mutual$ 1032

Compare all 2016 Volkswagen Golf SportWagen rates

Average Cost to Insure Per Year

$ 1043

List Price

$ 21580

Trims Available

TDI S - TDI SE - TDI SEL - TSI S PZEV - TSI Limited Edition PZEV - TSI SE PZEV - TSI SEL PZEV

2015 Volkswagen Golf SportWagen

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 803
Allied$ 803
Allstate$ 1014
Allstate$ 1014
American Family$ 963
American Family$ 963
Erie$ 738
Erie$ 738
GEICO$ 539
GEICO$ 539
Nationwide$ 870
Nationwide$ 870
Progressive$ 389
Progressive$ 389
Safeco$ 829
Safeco$ 829
State Farm$ 538
State Farm$ 538
Texas Farm Bureau$ 768
Texas Farm Bureau$ 768
USAA$ 669
USAA$ 669
Vermont Mutual$ 814
Vermont Mutual$ 814

Compare all 2015 Volkswagen Golf SportWagen rates

Average Cost to Insure Per Year

$ 730

List Price

$ 21395

Trims Available

TSI S PZEV - TDI S - TSI SE PZEV - TDI SE - TSI SEL PZEV - TDI SEL