Nissan Leaf vs Volkswagen Golf Insurance Cost

The Volkswagen Golf is cheaper to insure by about $100 a year for full coverage by our estimate ($1,465 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	Nissan Leaf	Volkswagen Golf	Difference
State minimum	$615	$615	—
Standard (100/300/100)	$890	$890	—
Full coverage	$1,465	$1,365	+$100

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

Why one costs more to insure

Factor	Nissan Leaf	Volkswagen Golf
Segment	Compact car	Compact car
Powertrains	Electric	Gasoline, Electric, Diesel
HLDI collision (100 = avg)	96	—
HLDI comprehensive	57	—
HLDI property damage liability	104	—
HLDI bodily injury liability	97	—
NHTSA overall rating	5★	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	2	7

Leaf vs Golf insurance by state

State	Leaf	Golf	Difference
Alabama	$1,265	$1,165	+$100
Alaska	$1,290	$1,190	+$100
Arizona	$1,530	$1,440	+$90
Arkansas	$1,260	$1,165	+$95
California	$1,455	$1,315	+$140
Colorado	$1,610	$1,535	+$75
Connecticut	$1,585	$1,480	+$105
Delaware	$1,670	$1,575	+$95
District of Columbia	$1,855	$1,710	+$145
Florida	$2,145	$2,040	+$105
Georgia	$1,845	$1,740	+$105
Hawaii	$1,020	$925	+$95
Idaho	$990	$920	+$70
Illinois	$1,265	$1,170	+$95
Indiana	$1,035	$960	+$75
Iowa	$945	$890	+$55
Kansas	$1,120	$1,055	+$65
Kentucky	$1,230	$1,155	+$75
Louisiana	$2,025	$1,905	+$120
Maine	$925	$855	+$70
Maryland	$1,660	$1,550	+$110
Massachusetts	$1,455	$1,340	+$115
Michigan	$1,600	$1,475	+$125
Minnesota	$1,185	$1,115	+$70
Mississippi	$1,375	$1,285	+$90
Missouri	$1,300	$1,220	+$80
Montana	$1,115	$1,050	+$65
Nebraska	$1,125	$1,055	+$70
Nevada	$1,735	$1,640	+$95
New Hampshire	$1,045	$960	+$85
New Jersey	$1,810	$1,700	+$110
New Mexico	$1,300	$1,215	+$85
New York	$2,000	$1,880	+$120
North Carolina	$1,080	$985	+$95
North Dakota	$885	$825	+$60
Ohio	$1,040	$960	+$80
Oklahoma	$1,280	$1,195	+$85
Oregon	$1,335	$1,260	+$75
Pennsylvania	$1,265	$1,165	+$100
Rhode Island	$1,805	$1,685	+$120
South Carolina	$1,575	$1,495	+$80
South Dakota	$1,025	$980	+$45
Tennessee	$1,205	$1,110	+$95
Texas	$1,700	$1,595	+$105
Utah	$1,350	$1,270	+$80
Vermont	$935	$855	+$80
Virginia	$1,260	$1,175	+$85
Washington	$1,295	$1,215	+$80
West Virginia	$1,190	$1,110	+$80
Wisconsin	$975	$915	+$60
Wyoming	$1,060	$1,000	+$60

By driver profile (full coverage)

Driver	Leaf	Golf
Teen driver (18, own policy)	$4,035	$3,760
Young adult (22)	$2,345	$2,190
Adult in their 30s	$1,465	$1,365
Adult in their 50s	$1,350	$1,260
Senior (72)	$1,645	$1,530
30s, one at-fault accident	$2,125	$1,985
30s, DUI on record	$2,715	$2,530

More comparisons

Frequently asked questions

Is the Nissan Leaf or the Volkswagen Golf cheaper to insure?

By our estimate the Volkswagen Golf is cheaper, by about $100 a year for full coverage ($1,465 vs. $1,365) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Nissan Leaf and Volkswagen Golf?

Mostly because of insurance-loss history: HLDI collision indices of 96 vs. n/a and comprehensive indices of 57 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