Kia Soul vs Volkswagen Golf Insurance Cost

The Volkswagen Golf is cheaper to insure by about $230 a year for full coverage by our estimate ($1,595 vs. $1,365), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Kia Soul	Volkswagen Golf	Difference
State minimum	$725	$615	+$110
Standard (100/300/100)	$1,055	$890	+$165
Full coverage	$1,595	$1,365	+$230

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Soul minus Golf.

Why one costs more to insure

Factor	Kia Soul	Volkswagen Golf
Segment	Compact car	Compact car
Powertrains	Gasoline, Electric	Gasoline, Electric, Diesel
HLDI collision (100 = avg)	83	—
HLDI comprehensive	84	—
HLDI property damage liability	119	—
HLDI bodily injury liability	138	—
NHTSA overall rating	4★	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	4	7

Soul vs Golf insurance by state

State	Soul	Golf	Difference
Alabama	$1,360	$1,165	+$195
Alaska	$1,385	$1,190	+$195
Arizona	$1,685	$1,440	+$245
Arkansas	$1,355	$1,165	+$190
California	$1,530	$1,315	+$215
Colorado	$1,790	$1,535	+$255
Connecticut	$1,725	$1,480	+$245
Delaware	$1,845	$1,575	+$270
District of Columbia	$1,990	$1,710	+$280
Florida	$2,390	$2,040	+$350
Georgia	$2,035	$1,740	+$295
Hawaii	$1,075	$925	+$150
Idaho	$1,075	$920	+$155
Illinois	$1,365	$1,170	+$195
Indiana	$1,115	$960	+$155
Iowa	$1,035	$890	+$145
Kansas	$1,230	$1,055	+$175
Kentucky	$1,350	$1,155	+$195
Louisiana	$2,225	$1,905	+$320
Maine	$995	$855	+$140
Maryland	$1,810	$1,550	+$260
Massachusetts	$1,560	$1,340	+$220
Michigan	$1,720	$1,475	+$245
Minnesota	$1,300	$1,115	+$185
Mississippi	$1,495	$1,285	+$210
Missouri	$1,425	$1,220	+$205
Montana	$1,225	$1,050	+$175
Nebraska	$1,230	$1,055	+$175
Nevada	$1,920	$1,640	+$280
New Hampshire	$1,115	$960	+$155
New Jersey	$1,985	$1,700	+$285
New Mexico	$1,415	$1,215	+$200
New York	$2,195	$1,880	+$315
North Carolina	$1,140	$985	+$155
North Dakota	$960	$825	+$135
Ohio	$1,120	$960	+$160
Oklahoma	$1,395	$1,195	+$200
Oregon	$1,475	$1,260	+$215
Pennsylvania	$1,355	$1,165	+$190
Rhode Island	$1,965	$1,685	+$280
South Carolina	$1,750	$1,495	+$255
South Dakota	$1,145	$980	+$165
Tennessee	$1,290	$1,110	+$180
Texas	$1,860	$1,595	+$265
Utah	$1,480	$1,270	+$210
Vermont	$990	$855	+$135
Virginia	$1,370	$1,175	+$195
Washington	$1,420	$1,215	+$205
West Virginia	$1,290	$1,110	+$180
Wisconsin	$1,065	$915	+$150
Wyoming	$1,165	$1,000	+$165

By driver profile (full coverage)

Driver	Soul	Golf
Teen driver (18, own policy)	$4,385	$3,760
Young adult (22)	$2,550	$2,190
Adult in their 30s	$1,595	$1,365
Adult in their 50s	$1,465	$1,260
Senior (72)	$1,785	$1,530
30s, one at-fault accident	$2,315	$1,985
30s, DUI on record	$2,950	$2,530

More comparisons

Frequently asked questions

Is the Kia Soul or the Volkswagen Golf cheaper to insure?

By our estimate the Volkswagen Golf is cheaper, by about $230 a year for full coverage ($1,595 vs. $1,365) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Kia Soul and Volkswagen Golf?

Mostly because of insurance-loss history: HLDI collision indices of 83 vs. n/a and comprehensive indices of 84 vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page