Toyota Prius 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	Toyota Prius	Volkswagen Golf	Difference
State minimum	$565	$615	−$50
Standard (100/300/100)	$820	$890	−$70
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 = Prius minus Golf.

Why one costs more to insure

Factor	Toyota Prius	Volkswagen Golf
Segment	Compact car	Compact car
Powertrains	Hybrid, Plug-in hybrid	Gasoline, Electric, Diesel
HLDI collision (100 = avg)	118	—
HLDI comprehensive	104	—
HLDI property damage liability	85	—
HLDI bodily injury liability	89	—
NHTSA overall rating	5★	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	2	7

Prius vs Golf insurance by state

State	Prius	Golf	Difference
Alabama	$1,405	$1,165	+$240
Alaska	$1,405	$1,190	+$215
Arizona	$1,665	$1,440	+$225
Arkansas	$1,430	$1,165	+$265
California	$1,585	$1,315	+$270
Colorado	$1,815	$1,535	+$280
Connecticut	$1,680	$1,480	+$200
Delaware	$1,745	$1,575	+$170
District of Columbia	$2,020	$1,710	+$310
Florida	$2,215	$2,040	+$175
Georgia	$1,940	$1,740	+$200
Hawaii	$1,115	$925	+$190
Idaho	$1,085	$920	+$165
Illinois	$1,395	$1,170	+$225
Indiana	$1,145	$960	+$185
Iowa	$1,105	$890	+$215
Kansas	$1,295	$1,055	+$240
Kentucky	$1,335	$1,155	+$180
Louisiana	$2,195	$1,905	+$290
Maine	$1,025	$855	+$170
Maryland	$1,780	$1,550	+$230
Massachusetts	$1,575	$1,340	+$235
Michigan	$1,745	$1,475	+$270
Minnesota	$1,345	$1,115	+$230
Mississippi	$1,535	$1,285	+$250
Missouri	$1,455	$1,220	+$235
Montana	$1,295	$1,050	+$245
Nebraska	$1,295	$1,055	+$240
Nevada	$1,785	$1,640	+$145
New Hampshire	$1,145	$960	+$185
New Jersey	$1,885	$1,700	+$185
New Mexico	$1,440	$1,215	+$225
New York	$2,105	$1,880	+$225
North Carolina	$1,215	$985	+$230
North Dakota	$1,050	$825	+$225
Ohio	$1,150	$960	+$190
Oklahoma	$1,455	$1,195	+$260
Oregon	$1,410	$1,260	+$150
Pennsylvania	$1,410	$1,165	+$245
Rhode Island	$1,905	$1,685	+$220
South Carolina	$1,680	$1,495	+$185
South Dakota	$1,255	$980	+$275
Tennessee	$1,340	$1,110	+$230
Texas	$1,900	$1,595	+$305
Utah	$1,425	$1,270	+$155
Vermont	$1,060	$855	+$205
Virginia	$1,370	$1,175	+$195
Washington	$1,370	$1,215	+$155
West Virginia	$1,350	$1,110	+$240
Wisconsin	$1,100	$915	+$185
Wyoming	$1,280	$1,000	+$280

By driver profile (full coverage)

Driver	Prius	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	$2,310	$1,985
30s, DUI on record	$2,950	$2,530

More comparisons

Frequently asked questions

Is the Toyota Prius 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 Toyota Prius and Volkswagen Golf?

Mostly because of insurance-loss history: HLDI collision indices of 118 vs. n/a and comprehensive indices of 104 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