Used 2015 Volkswagen Golf Cost to Own

Total 5-Year Ownership Costs

Golf Hatchback

TSI S 4dr Hatchback (1.8L 4cyl Turbo 6A)

True Cost to Own

$31,210*

Total Cash Price

$12,872

TDI S 4dr Hatchback (2.0L 4cyl Turbodiesel 6AM)

True Cost to Own

$33,248*

Total Cash Price

$14,914

TSI S 2dr Hatchback (1.8L 4cyl Turbo 6A)

True Cost to Own

$31,090*

Total Cash Price

$12,595

TDI S 4dr Hatchback (2.0L 4cyl Turbodiesel 6M)

True Cost to Own

$32,717*

Total Cash Price

$13,490

TSI SE 4dr Hatchback (1.8L 4cyl Turbo 6A)

True Cost to Own

$32,761*

Total Cash Price

$14,638

TDI SEL 4dr Hatchback (2.0L 4cyl Turbodiesel 6AM)

True Cost to Own

$35,727*

Total Cash Price

$17,736

TDI SE 4dr Hatchback (2.0L 4cyl Turbodiesel 6AM)

True Cost to Own

$34,101*

Total Cash Price

$15,884

TSI SEL 4dr Hatchback (1.8L 4cyl Turbo 6A)

True Cost to Own

$33,731*

Total Cash Price

$15,741

TSI S 4dr Hatchback w/Sunroof (1.8L 4cyl Turbo 6A)

True Cost to Own

$31,814*

Total Cash Price

$13,560

TSI S 4dr Hatchback w/Sunroof (1.8L 4cyl Turbo 5M)

True Cost to Own

$32,269*

Total Cash Price

$13,319

TDI SEL 4dr Hatchback (2.0L 4cyl Turbodiesel 6M)

True Cost to Own

$35,078*

Total Cash Price

$16,177

TDI SE 4dr Hatchback (2.0L 4cyl Turbodiesel 6M)

True Cost to Own

$34,850*

Total Cash Price

$15,918

TSI S 2dr Hatchback (1.8L 4cyl Turbo 5M)

True Cost to Own

$29,944*

Total Cash Price

$10,580

TSI Launch Edition 2dr Hatchback (1.8L 4cyl Turbo 5M)

True Cost to Own

$30,666*

Total Cash Price

$11,512

Ownership Costs: 5-Year Total

Depreciation

$8,265

Taxes & Fees

$881

Financing

$2,340

Fuel

$6,752

Insurance

$3,876

Repairs

$3,998

Maintenance

$5,098

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Golf Hatchback TSI S 4dr Hatchback (1.8L 4cyl Turbo 6A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$730$752$774$798$822$3,876
Maintenance$718$210$2,039$324$1,807$5,098
Repairs$575$667$780$912$1,064$3,998
Taxes & Fees$717$41$41$41$41$881
Financing$800$647$481$302$110$2,340
Depreciation$3,567$1,398$1,230$1,091$979$8,265
Fuel$1,272$1,310$1,349$1,390$1,431$6,752
True Cost to Own®$8,379$5,025$6,694$4,858$6,254$31,210

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Golf Hatchback TDI S 4dr Hatchback (2.0L 4cyl Turbodiesel 6AM)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$752$775$798$822$846$3,993
Maintenance$655$205$2,457$355$1,774$5,446
Repairs$662$767$896$1,048$1,223$4,596
Taxes & Fees$823$41$41$41$41$987
Financing$927$750$557$350$127$2,711
Depreciation$4,136$1,621$1,426$1,264$1,134$9,581
Fuel$1,118$1,151$1,186$1,221$1,258$5,934
True Cost to Own®$9,073$5,310$7,361$5,101$6,403$33,248

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Golf Hatchback TSI S 2dr Hatchback (1.8L 4cyl Turbo 6A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$753$776$799$823$848$3,999
Maintenance$718$210$2,039$324$1,807$5,098
Repairs$575$667$780$912$1,064$3,998
Taxes & Fees$703$41$41$41$41$867
Financing$783$633$471$295$108$2,290
Depreciation$3,490$1,368$1,204$1,067$957$8,086
Fuel$1,272$1,310$1,349$1,390$1,431$6,752
True Cost to Own®$8,294$5,005$6,683$4,852$6,256$31,090

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Golf Hatchback TDI S 4dr Hatchback (2.0L 4cyl Turbodiesel 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$750$773$796$820$844$3,983
Maintenance$1,678$205$2,313$355$1,625$6,176
Repairs$662$767$896$1,048$1,223$4,596
Taxes & Fees$749$41$41$41$41$913
Financing$839$678$504$316$115$2,452
Depreciation$3,739$1,466$1,289$1,143$1,026$8,663
Fuel$1,118$1,151$1,186$1,221$1,258$5,934
True Cost to Own®$9,535$5,081$7,025$4,944$6,132$32,717

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Golf Hatchback TSI SE 4dr Hatchback (1.8L 4cyl Turbo 6A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$730$752$774$798$822$3,876
Maintenance$718$210$2,039$324$1,807$5,098
Repairs$575$667$780$912$1,064$3,998
Taxes & Fees$809$41$41$41$41$973
Financing$910$736$547$343$125$2,661
Depreciation$4,059$1,591$1,399$1,241$1,113$9,403
Fuel$1,272$1,310$1,349$1,390$1,431$6,752
True Cost to Own®$9,073$5,307$6,929$5,049$6,403$32,761

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Golf Hatchback TDI SEL 4dr Hatchback (2.0L 4cyl Turbodiesel 6AM)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$752$775$798$822$846$3,993
Maintenance$655$205$2,457$355$1,774$5,446
Repairs$662$767$896$1,048$1,223$4,596
Taxes & Fees$970$41$41$41$41$1,134
Financing$1,103$891$663$416$151$3,224
Depreciation$4,921$1,928$1,697$1,504$1,350$11,400
Fuel$1,118$1,151$1,186$1,221$1,258$5,934
True Cost to Own®$10,181$5,758$7,738$5,407$6,643$35,727

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Golf Hatchback TDI SE 4dr Hatchback (2.0L 4cyl Turbodiesel 6AM)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$752$775$798$822$846$3,993
Maintenance$655$205$2,457$355$1,774$5,446
Repairs$662$767$896$1,048$1,223$4,596
Taxes & Fees$874$41$41$41$41$1,038
Financing$988$798$593$373$136$2,888
Depreciation$4,405$1,726$1,519$1,347$1,209$10,206
Fuel$1,118$1,151$1,186$1,221$1,258$5,934
True Cost to Own®$9,454$5,463$7,490$5,207$6,487$34,101

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Golf Hatchback TSI SEL 4dr Hatchback (1.8L 4cyl Turbo 6A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$730$752$774$798$822$3,876
Maintenance$718$210$2,039$324$1,807$5,098
Repairs$575$667$780$912$1,064$3,998
Taxes & Fees$866$41$41$41$41$1,030
Financing$979$791$588$369$135$2,862
Depreciation$4,366$1,711$1,505$1,335$1,198$10,115
Fuel$1,272$1,310$1,349$1,390$1,431$6,752
True Cost to Own®$9,506$5,482$7,076$5,169$6,498$33,731

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Golf Hatchback TSI S 4dr Hatchback w/Sunroof (1.8L 4cyl Turbo 6A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$730$752$774$798$822$3,876
Maintenance$718$210$2,039$324$1,807$5,098
Repairs$575$667$780$912$1,064$3,998
Taxes & Fees$753$41$41$41$41$917
Financing$843$681$507$318$116$2,465
Depreciation$3,759$1,473$1,296$1,149$1,031$8,708
Fuel$1,272$1,310$1,349$1,390$1,431$6,752
True Cost to Own®$8,650$5,134$6,786$4,932$6,312$31,814

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Golf Hatchback TSI S 4dr Hatchback w/Sunroof (1.8L 4cyl Turbo 5M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$738$760$783$806$831$3,918
Maintenance$1,656$210$2,039$324$1,715$5,944
Repairs$575$667$780$912$1,064$3,998
Taxes & Fees$740$41$41$41$41$904
Financing$828$669$498$313$113$2,421
Depreciation$3,692$1,447$1,273$1,129$1,013$8,554
Fuel$1,230$1,267$1,305$1,344$1,384$6,530
True Cost to Own®$9,459$5,061$6,719$4,869$6,161$32,269

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Golf Hatchback TDI SEL 4dr Hatchback (2.0L 4cyl Turbodiesel 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$750$773$796$820$844$3,983
Maintenance$1,678$205$2,313$355$1,625$6,176
Repairs$662$767$896$1,048$1,223$4,596
Taxes & Fees$889$41$41$41$41$1,053
Financing$1,006$813$604$380$138$2,941
Depreciation$4,487$1,758$1,547$1,372$1,231$10,395
Fuel$1,118$1,151$1,186$1,221$1,258$5,934
True Cost to Own®$10,590$5,508$7,383$5,237$6,360$35,078

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Golf Hatchback TDI SE 4dr Hatchback (2.0L 4cyl Turbodiesel 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$750$773$796$820$844$3,983
Maintenance$1,678$205$2,313$355$1,625$6,176
Repairs$662$767$896$1,048$1,223$4,596
Taxes & Fees$875$41$41$41$41$1,039
Financing$990$800$594$374$136$2,894
Depreciation$4,415$1,730$1,522$1,350$1,211$10,228
Fuel$1,118$1,151$1,186$1,221$1,258$5,934
True Cost to Own®$10,488$5,467$7,348$5,209$6,338$34,850

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Golf Hatchback TSI S 2dr Hatchback (1.8L 4cyl Turbo 5M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$753$776$799$823$848$3,999
Maintenance$1,656$210$2,039$324$1,715$5,944
Repairs$575$667$780$912$1,064$3,998
Taxes & Fees$598$41$41$41$41$762
Financing$658$531$396$248$90$1,923
Depreciation$2,930$1,148$1,010$896$804$6,788
Fuel$1,230$1,267$1,305$1,344$1,384$6,530
True Cost to Own®$8,400$4,640$6,370$4,588$5,946$29,944

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Golf Hatchback TSI Launch Edition 2dr Hatchback (1.8L 4cyl Turbo 5M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$735$757$780$803$827$3,902
Maintenance$1,656$210$2,039$324$1,715$5,944
Repairs$575$667$780$912$1,064$3,998
Taxes & Fees$646$41$41$41$41$810
Financing$716$578$430$271$98$2,093
Depreciation$3,189$1,250$1,100$975$875$7,389
Fuel$1,230$1,267$1,305$1,344$1,384$6,530
True Cost to Own®$8,747$4,770$6,475$4,670$6,004$30,666

*Based on a 5-year estimate with 15,000 miles driven per year.

Shop nowLearn about the 2015 Golf 

True Cost To Own®

Edmunds.com's True Cost to Own® (TCO®) is proprietary data that helps you estimate the total five-year cost of buying and owning a vehicle — including some items you may not have taken into consideration. A benefit of using our TCO® tool is that you can easily compare the five-year totals for different vehicles and make a more informed choice.

The components of TCO® are depreciation, interest on financing, taxes and fees, insurance premiums, fuel, maintenance, repairs and any federal tax credit that may be available. In order to estimate certain mileage-dependent costs, we assume that vehicles will be driven 15,000 miles per year. For a used vehicle, we calculate the years the vehicle has been driven using the nominal difference between the current calendar year and the vehicle's model year, and assume that it was driven 15,000 miles during each of those years.

Note that TCO® is a comparative tool, not a predictive tool — your actual five-year cost of owning a particular vehicle will vary depending on your personal circumstances, such as your driving history and the number of miles you drive.

How We Calculate True Cost to Own®

The True Cost to Own® calculations use the following set of assumptions:

  • Ownership expenses are estimated for a five-year period
  • You will drive 15,000 miles per year
  • You are financing the vehicle using traditional financing, not lease financing
  • You have an above-average credit rating for the purpose of determining your finance rate
  • You are making a 10% down payment on the vehicle at purchase
  • Your loan term is 60 months

Using proprietary formulas, we calculate the five-year costs for the seven cost categories that make up the TCO® (depreciation, insurance, financing, taxes & fees, fuel, maintenance and repairs). We also take into account any applicable federal tax credit.

Explanation of True Cost to Own® Terms

Total Cash Price

For new vehicles, the Total Cash Price displayed is the vehicle's True Market Value® (TMV®) price plus typically equipped options, destination charge, base tax and fees assessed by your state, and, if applicable, gas guzzler tax; less any widely available manufacturer-to-customer cash rebates. (However, we do not account for other types of cash rebates or incentives because of the variability of those offers and their eligibility requirements.) For used vehicles, the Total Cash Price shown is the sum of the vehicle's Private Party TMV® price in "clean" condition plus typically equipped options, and base tax and fees assessed by your state.

Depreciation

This is the amount by which the value of a vehicle declines from its purchase price to its estimated resale value. The purchase price employed is the vehicle's Total Cash Price, minus any taxes and fees included in that amount. We estimate the resale value assuming the vehicle will be in "clean" condition, will be driven 15,000 miles per year, and will be sold to a private party.

Insurance

This is the estimated average annual insurance premium in your state. The premium has been determined based on annual premium data for defined driver profiles and coverages (liability, comprehensive and collision) from a major national insurer. While this information is specific to vehicle make, model, model year and body type, your personal information is not taken into consideration and could greatly alter the actual premium quoted by an insurer. Factors that will affect your rate include your age, marital status, credit history, driving record, and the garaging address of your vehicle.

Financing

This is the interest expense on a loan in the amount of the Total Cash Price, assuming a 10% down payment and a loan term of 60 months. The interest rate used is the prevailing rate that banks and other direct automotive lenders are currently charging consumers in your geographic region who have above average credit scores.

Note: Even if you do not finance your vehicle, the inclusion of financing cost in determining True Cost to Own® is still appropriate because it reflects the estimated "opportunity cost" (i.e., the amount you may earn) if you invest the Purchase Price instead of using it to purchase the vehicle.

Taxes & Fees

This consists of the base sales (or use) taxes, license and registration fees in your state, and gas guzzler tax if applicable. These taxes and fees are often based on a percentage of the purchase price, and generally decrease as the vehicle ages and loses its value.

Note: the state sales/use tax rate that we use includes the average local and county taxes assessed in that state.

Fuel

This expense is based on the revised EPA mileage ratings, assuming consumption consists of 45% highway and 55% city driving and that the vehicle is equipped with the transmission that is standard equipment for that vehicle. Cost estimates are based on the current one-year moving average of self-service prices in your state, using regular unleaded gasoline for vehicles whose manufacturers require regular; premium unleaded gasoline for vehicles whose manufacturers recommend or require premium; or diesel fuel for diesel vehicles.

Maintenance

This is the estimated expense of the two types of maintenance: scheduled and unscheduled. Scheduled maintenance is the performance of factory-recommended items at periodic mileage and/or calendar intervals. Unscheduled maintenance includes wheel alignment and the replacement of items such as the battery, brakes, headlamps, hoses, exhaust system parts, taillight/turn signal bulbs, tires and wiper blades/inserts. Estimated tire replacement costs are supplied to Edmunds.com by The Tire Rack, Inc.

Repairs

This is the estimated expense for repairs not covered by the vehicle manufacturer's warranties over the five years from the date of purchase, assuming 15,000 miles are driven annually. We estimate this expense based on the cost of a typical "zero deductible" extended warranty for the vehicle, minus the estimated amount of that cost that consists of the warranty provider's overhead and profit.

Federal Tax Credits

This is the tax credit that is provided for under the Energy Policy Act of 2005. A tax credit is subtracted directly from the total amount of federal tax you owe. The tax credit is for electric fuel vehicles.

The credit is only available to the original purchaser of a new, qualifying vehicle, and is subject to certain "phase out" rules that we take into consideration when computing TCO®. If a qualifying vehicle is leased to a consumer, the leasing company may claim the credit.



Edmunds Insurance Estimator

The Edmunds TCO® estimated monthly insurance payment for a 2015 Volkswagen Golf in Virginia is:

not available
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