Volkswagen Golf vs Chevrolet Volt Insurance Cost

The Chevrolet Volt is cheaper to insure by about $55 a year for full coverage by our estimate ($1,365 vs. $1,310), 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	Volkswagen Golf	Chevrolet Volt	Difference
State minimum	$615	$615	—
Standard (100/300/100)	$890	$890	—
Full coverage	$1,365	$1,310	+$55

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

Why one costs more to insure

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

Golf vs Volt insurance by state

State	Golf	Volt	Difference
Alabama	$1,165	$1,110	+$55
Alaska	$1,190	$1,135	+$55
Arizona	$1,440	$1,380	+$60
Arkansas	$1,165	$1,100	+$65
California	$1,315	$1,255	+$60
Colorado	$1,535	$1,460	+$75
Connecticut	$1,480	$1,425	+$55
Delaware	$1,575	$1,525	+$50
District of Columbia	$1,710	$1,630	+$80
Florida	$2,040	$1,980	+$60
Georgia	$1,740	$1,680	+$60
Hawaii	$925	$880	+$45
Idaho	$920	$880	+$40
Illinois	$1,170	$1,115	+$55
Indiana	$960	$910	+$50
Iowa	$890	$835	+$55
Kansas	$1,055	$995	+$60
Kentucky	$1,155	$1,105	+$50
Louisiana	$1,905	$1,825	+$80
Maine	$855	$810	+$45
Maryland	$1,550	$1,485	+$65
Massachusetts	$1,340	$1,280	+$60
Michigan	$1,475	$1,410	+$65
Minnesota	$1,115	$1,060	+$55
Mississippi	$1,285	$1,220	+$65
Missouri	$1,220	$1,160	+$60
Montana	$1,050	$990	+$60
Nebraska	$1,055	$1,000	+$55
Nevada	$1,640	$1,590	+$50
New Hampshire	$960	$910	+$50
New Jersey	$1,700	$1,645	+$55
New Mexico	$1,215	$1,155	+$60
New York	$1,880	$1,815	+$65
North Carolina	$985	$930	+$55
North Dakota	$825	$775	+$50
Ohio	$960	$915	+$45
Oklahoma	$1,195	$1,135	+$60
Oregon	$1,260	$1,215	+$45
Pennsylvania	$1,165	$1,105	+$60
Rhode Island	$1,685	$1,625	+$60
South Carolina	$1,495	$1,440	+$55
South Dakota	$980	$915	+$65
Tennessee	$1,110	$1,055	+$55
Texas	$1,595	$1,515	+$80
Utah	$1,270	$1,225	+$45
Vermont	$855	$805	+$50
Virginia	$1,175	$1,120	+$55
Washington	$1,215	$1,170	+$45
West Virginia	$1,110	$1,050	+$60
Wisconsin	$915	$870	+$45
Wyoming	$1,000	$935	+$65

By driver profile (full coverage)

Driver	Golf	Volt
Teen driver (18, own policy)	$3,760	$3,600
Young adult (22)	$2,190	$2,095
Adult in their 30s	$1,365	$1,310
Adult in their 50s	$1,260	$1,205
Senior (72)	$1,530	$1,465
30s, one at-fault accident	$1,985	$1,895
30s, DUI on record	$2,530	$2,420

More comparisons

Frequently asked questions

Is the Volkswagen Golf or the Chevrolet Volt cheaper to insure?

By our estimate the Chevrolet Volt is cheaper, by about $55 a year for full coverage ($1,365 vs. $1,310) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Volkswagen Golf and Chevrolet Volt?

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