Volkswagen Golf vs Scion iM Insurance Cost

The Scion iM is cheaper to insure by about $115 a year for full coverage by our estimate ($1,365 vs. $1,250), 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	Scion iM	Difference
State minimum	$615	$630	−$15
Standard (100/300/100)	$890	$915	−$25
Full coverage	$1,365	$1,250	+$115

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

Why one costs more to insure

Factor	Volkswagen Golf	Scion iM
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★	—
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	7	1

Golf vs iM insurance by state

State	Golf	iM	Difference
Alabama	$1,165	$1,045	+$120
Alaska	$1,190	$1,080	+$110
Arizona	$1,440	$1,320	+$120
Arkansas	$1,165	$1,025	+$140
California	$1,315	$1,180	+$135
Colorado	$1,535	$1,380	+$155
Connecticut	$1,480	$1,370	+$110
Delaware	$1,575	$1,485	+$90
District of Columbia	$1,710	$1,545	+$165
Florida	$2,040	$1,940	+$100
Georgia	$1,740	$1,630	+$110
Hawaii	$925	$830	+$95
Idaho	$920	$835	+$85
Illinois	$1,170	$1,055	+$115
Indiana	$960	$860	+$100
Iowa	$890	$775	+$115
Kansas	$1,055	$930	+$125
Kentucky	$1,155	$1,060	+$95
Louisiana	$1,905	$1,750	+$155
Maine	$855	$765	+$90
Maryland	$1,550	$1,425	+$125
Massachusetts	$1,340	$1,215	+$125
Michigan	$1,475	$1,335	+$140
Minnesota	$1,115	$995	+$120
Mississippi	$1,285	$1,150	+$135
Missouri	$1,220	$1,095	+$125
Montana	$1,050	$920	+$130
Nebraska	$1,055	$930	+$125
Nevada	$1,640	$1,560	+$80
New Hampshire	$960	$860	+$100
New Jersey	$1,700	$1,600	+$100
New Mexico	$1,215	$1,095	+$120
New York	$1,880	$1,755	+$125
North Carolina	$985	$865	+$120
North Dakota	$825	$705	+$120
Ohio	$960	$865	+$95
Oklahoma	$1,195	$1,060	+$135
Oregon	$1,260	$1,180	+$80
Pennsylvania	$1,165	$1,040	+$125
Rhode Island	$1,685	$1,570	+$115
South Carolina	$1,495	$1,395	+$100
South Dakota	$980	$835	+$145
Tennessee	$1,110	$990	+$120
Texas	$1,595	$1,430	+$165
Utah	$1,270	$1,185	+$85
Vermont	$855	$745	+$110
Virginia	$1,175	$1,070	+$105
Washington	$1,215	$1,130	+$85
West Virginia	$1,110	$980	+$130
Wisconsin	$915	$815	+$100
Wyoming	$1,000	$855	+$145

By driver profile (full coverage)

Driver	Golf	iM
Teen driver (18, own policy)	$3,760	$3,430
Young adult (22)	$2,190	$1,995
Adult in their 30s	$1,365	$1,250
Adult in their 50s	$1,260	$1,150
Senior (72)	$1,530	$1,395
30s, one at-fault accident	$1,985	$1,810
30s, DUI on record	$2,530	$2,310

More comparisons

Frequently asked questions

Is the Volkswagen Golf or the Scion iM cheaper to insure?

By our estimate the Scion iM is cheaper, by about $115 a year for full coverage ($1,365 vs. $1,250) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Volkswagen Golf and Scion iM?

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