Volkswagen Golf vs Hyundai Accent Insurance Cost

The Volkswagen Golf is cheaper to insure by about $60 a year for full coverage by our estimate ($1,365 vs. $1,425), 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	Hyundai Accent	Difference
State minimum	$615	$630	−$15
Standard (100/300/100)	$890	$915	−$25
Full coverage	$1,365	$1,425	−$60

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

Why one costs more to insure

Factor	Volkswagen Golf	Hyundai Accent
Segment	Compact car	Compact car
Powertrains	Gasoline, Electric, Diesel	Gasoline
HLDI collision (100 = avg)	—	—
HLDI comprehensive	—	—
HLDI property damage liability	—	—
HLDI bodily injury liability	—	—
NHTSA overall rating	5★	4★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	7	6

Golf vs Accent insurance by state

State	Golf	Accent	Difference
Alabama	$1,165	$1,215	−$50
Alaska	$1,190	$1,240	−$50
Arizona	$1,440	$1,500	−$60
Arkansas	$1,165	$1,215	−$50
California	$1,315	$1,375	−$60
Colorado	$1,535	$1,600	−$65
Connecticut	$1,480	$1,540	−$60
Delaware	$1,575	$1,635	−$60
District of Columbia	$1,710	$1,780	−$70
Florida	$2,040	$2,115	−$75
Georgia	$1,740	$1,810	−$70
Hawaii	$925	$965	−$40
Idaho	$920	$960	−$40
Illinois	$1,170	$1,220	−$50
Indiana	$960	$1,000	−$40
Iowa	$890	$930	−$40
Kansas	$1,055	$1,100	−$45
Kentucky	$1,155	$1,205	−$50
Louisiana	$1,905	$1,985	−$80
Maine	$855	$890	−$35
Maryland	$1,550	$1,610	−$60
Massachusetts	$1,340	$1,395	−$55
Michigan	$1,475	$1,540	−$65
Minnesota	$1,115	$1,165	−$50
Mississippi	$1,285	$1,340	−$55
Missouri	$1,220	$1,275	−$55
Montana	$1,050	$1,095	−$45
Nebraska	$1,055	$1,105	−$50
Nevada	$1,640	$1,700	−$60
New Hampshire	$960	$1,000	−$40
New Jersey	$1,700	$1,765	−$65
New Mexico	$1,215	$1,265	−$50
New York	$1,880	$1,955	−$75
North Carolina	$985	$1,025	−$40
North Dakota	$825	$865	−$40
Ohio	$960	$1,005	−$45
Oklahoma	$1,195	$1,250	−$55
Oregon	$1,260	$1,310	−$50
Pennsylvania	$1,165	$1,215	−$50
Rhode Island	$1,685	$1,750	−$65
South Carolina	$1,495	$1,555	−$60
South Dakota	$980	$1,025	−$45
Tennessee	$1,110	$1,160	−$50
Texas	$1,595	$1,660	−$65
Utah	$1,270	$1,320	−$50
Vermont	$855	$890	−$35
Virginia	$1,175	$1,220	−$45
Washington	$1,215	$1,265	−$50
West Virginia	$1,110	$1,160	−$50
Wisconsin	$915	$955	−$40
Wyoming	$1,000	$1,050	−$50

By driver profile (full coverage)

Driver	Golf	Accent
Teen driver (18, own policy)	$3,760	$3,915
Young adult (22)	$2,190	$2,280
Adult in their 30s	$1,365	$1,425
Adult in their 50s	$1,260	$1,310
Senior (72)	$1,530	$1,595
30s, one at-fault accident	$1,985	$2,065
30s, DUI on record	$2,530	$2,635

More comparisons

Frequently asked questions

Is the Volkswagen Golf or the Hyundai Accent cheaper to insure?

By our estimate the Volkswagen Golf is cheaper, by about $60 a year for full coverage ($1,365 vs. $1,425) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Volkswagen Golf and Hyundai Accent?

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