Volkswagen Golf Insurance Rates

Is a VW Golf expensive to insure? The average Volkswagen Golf insurance rates are $123 per month or $1,478 annually. Many factors impact what you’ll pay for your VW Gold car insurance. For example, rates for a Volkswagen Golf 2020 model will be higher than what you’ll pay for a Volkswagen Golf 2019 model.  

Depending on the year of your VW Golf, you might consider purchasing fuller coverage car insurance. Read through our guide to learn what does liability insurance cover versus collision and comprehensive insurance policies, and to find out how to secure cheap can insurance for a VW Golf. 

When you’re ready to get the best car insurance for a Volkswagen Golf, just enter your five-digit ZIP code into our FREE quote comparison tool.

Average insurance rates for a Volkswagen Golf are $1,454 a year for full coverage insurance. Comprehensive insurance costs approximately $306 each year, collision insurance costs $600, and liability costs around $390. Liability-only coverage costs as low as $452 a year, and high-risk coverage costs $3,162 or more. 16-year-old drivers receive the highest rates at up to $5,402 a year.

Average premium for full coverage: $1,454

Rate estimates by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and Golf models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than congested cities. The graphic below illustrates how where you live affects auto insurance prices.

These examples illustrate why all drivers should compare prices using their specific location, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below illustrates average Volkswagen Golf insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $826
• Using higher $1,000 deductibles will save $204 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,454
• Buying low deductibles for physical damage coverage will cost an additional $404 annually
• High-risk insureds with multiple tickets or accidents could pay around $3,162
• The cost that insures a 16-year-old driver can cost $5,402 or more

View Chart as Image

Car insurance rates for a Volkswagen Golf can also vary considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,700 to $2,400 extra per year, depending on your age. Insurance for high-risk drivers can be from 44% to 130% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,400 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $5,400 a year. View Rates by Age

Where you live has a huge impact on Volkswagen Golf insurance prices. A driver around age 40 might see rates as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,970 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $610 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2024 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheap Volkswagen Golf Insurance

Saving money on insurance for a Volkswagen Golf requires avoiding accidents and violations, having a positive credit history, avoid buying unnecessary coverage, and attention to physical damage deductibles. Comparison shop once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The list below is a brief summary of the data that was touched on in the above illustrations.

• It is possible to save around $180 per year just by quoting online in advance
• Insureds who purchase higher liability limits will pay around $430 annually to increase from a minimum limit to the 250/500 level
• Teenagers pay the highest auto insurance rates, costing up to $450 per month if full coverage is purchased
• Drivers considered higher risk that tend to have accidents or serious violations could be charged and average of $1,710 more per year for car insurance

As you’ve learned from the above information, the model year and trim of your VW Golf impacts what you’ll pay for car insurance. Therefore, the price of insurance for a 2019 Volkswagen Golf R will be different than the costs for a 2020 Volkswagen Golf GTI. 

Whether you’re buying your Volkswagen Golf used or new, start comparing your best quotes by entering your ZIP code into our FREE tool below. 

What are the safety ratings for the Volkswagen Golf?

Understanding the Volkswagen Golf safety ratings can help you discover what discounts you might qualify for, and what could be costing you more money. 

Check out the safety ratings for the 2020 Volkswagen Golf below. 

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Acceptable
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

A rating of ‘Good’ is the highest possible score given by the Insurance Institute for Highway Safety. Unfortunately, the 2020 VW Golf headlights received a rating of poor. Your VW Golf insurance costs will reflect these nearly perfect safety ratings. 

Believe it or not, the classic VW car has been in production since 1974. Why is VW Golf so popular? It has proven to be reliable, safe, and relatively inexpensive to fix and replace. To those wondering are Golfs cheap to insure, all of these statistics do lead to lower average car insurance rates. 

When it comes to the cheapest VW Golf to insure, it’s more about your driving demographics than the car itself. If you’re an experienced driver with a perfect driving record, you’ll receive the best quotes in your area.

Volkswagen Golf Compared Against other Vehicles in the Same Class

Comparing the Volkswagen Golf to similar vehicles can help you save money, especially if the Volkswagen Golf has a better loss ratio than other vehicles in its class. 

Officially, the Insurance Institute for Highway Safety classifies it as a small four-door car.

Check out other comparable small cars below.

• Acura ILX
• Ford Focus
• Mazda 3

The good news is that the VW Golf has substantially better than average comprehensive insurance loss ratios at -32 percent. The small car also has better than average personal injury loss ratios at -26 percent, as well as better than average medical payment and bodily injury loss ratios at -28 percent and -23 percent respectively.

You’re now an expert on Volkswagen Golf insurance costs. Only you can say what is the best Volkswagen Golf for your needs. If you find a Volkswagen Golf for sale that you’re interested in, look up the specific model year to see if it meets all of your criteria. 

When you’re ready to secure the best Volkswagen Gold insurance rates, just enter your ZIP code into our FREE quote comparison tool to start shopping.