Toyota Corolla vs Volkswagen Golf Insurance Cost

The Volkswagen Golf is cheaper to insure by about $340 a year for full coverage by our estimate ($1,705 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	Toyota Corolla	Volkswagen Golf	Difference
State minimum	$710	$615	+$95
Standard (100/300/100)	$1,025	$890	+$135
Full coverage	$1,705	$1,365	+$340

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

Why one costs more to insure

Factor	Toyota Corolla	Volkswagen Golf
Segment	Compact car	Compact car
Powertrains	Gasoline, Hybrid	Gasoline, Electric, Diesel
HLDI collision (100 = avg)	102	—
HLDI comprehensive	89	—
HLDI property damage liability	114	—
HLDI bodily injury liability	137	—
NHTSA overall rating	5★	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	3	7

Corolla vs Golf insurance by state

State	Corolla	Golf	Difference
Alabama	$1,475	$1,165	+$310
Alaska	$1,490	$1,190	+$300
Arizona	$1,790	$1,440	+$350
Arkansas	$1,480	$1,165	+$315
California	$1,665	$1,315	+$350
Colorado	$1,920	$1,535	+$385
Connecticut	$1,830	$1,480	+$350
Delaware	$1,930	$1,575	+$355
District of Columbia	$2,145	$1,710	+$435
Florida	$2,480	$2,040	+$440
Georgia	$2,135	$1,740	+$395
Hawaii	$1,170	$925	+$245
Idaho	$1,155	$920	+$235
Illinois	$1,470	$1,170	+$300
Indiana	$1,205	$960	+$245
Iowa	$1,130	$890	+$240
Kansas	$1,335	$1,055	+$280
Kentucky	$1,435	$1,155	+$280
Louisiana	$2,365	$1,905	+$460
Maine	$1,080	$855	+$225
Maryland	$1,925	$1,550	+$375
Massachusetts	$1,675	$1,340	+$335
Michigan	$1,855	$1,475	+$380
Minnesota	$1,405	$1,115	+$290
Mississippi	$1,615	$1,285	+$330
Missouri	$1,535	$1,220	+$315
Montana	$1,335	$1,050	+$285
Nebraska	$1,340	$1,055	+$285
Nevada	$2,000	$1,640	+$360
New Hampshire	$1,210	$960	+$250
New Jersey	$2,085	$1,700	+$385
New Mexico	$1,520	$1,215	+$305
New York	$2,315	$1,880	+$435
North Carolina	$1,255	$985	+$270
North Dakota	$1,060	$825	+$235
Ohio	$1,210	$960	+$250
Oklahoma	$1,515	$1,195	+$320
Oregon	$1,550	$1,260	+$290
Pennsylvania	$1,475	$1,165	+$310
Rhode Island	$2,080	$1,685	+$395
South Carolina	$1,840	$1,495	+$345
South Dakota	$1,260	$980	+$280
Tennessee	$1,405	$1,110	+$295
Texas	$2,000	$1,595	+$405
Utah	$1,565	$1,270	+$295
Vermont	$1,090	$855	+$235
Virginia	$1,465	$1,175	+$290
Washington	$1,500	$1,215	+$285
West Virginia	$1,405	$1,110	+$295
Wisconsin	$1,155	$915	+$240
Wyoming	$1,285	$1,000	+$285

By driver profile (full coverage)

Driver	Corolla	Golf
Teen driver (18, own policy)	$4,695	$3,760
Young adult (22)	$2,730	$2,190
Adult in their 30s	$1,705	$1,365
Adult in their 50s	$1,570	$1,260
Senior (72)	$1,910	$1,530
30s, one at-fault accident	$2,475	$1,985
30s, DUI on record	$3,155	$2,530

More comparisons

Frequently asked questions

Is the Toyota Corolla or the Volkswagen Golf cheaper to insure?

By our estimate the Volkswagen Golf is cheaper, by about $340 a year for full coverage ($1,705 vs. $1,365) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Toyota Corolla and Volkswagen Golf?

Mostly because of insurance-loss history: HLDI collision indices of 102 vs. n/a and comprehensive indices of 89 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