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.

The average auto insurance rates for a Volkswagen Golf are $1,454 annually for full coverage insurance. Comprehensive costs approximately $306, collision costs $600, and liability coverage costs $390. Buying just liability costs as little as $452 a year, with insurance for high-risk drivers costing around $3,162. Teens cost the most to insure at $5,402 a year or more.

Average premium for full coverage: $1,454

Policy rates by type of insurance:

Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all Golf models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than cities with more traffic congestion.

The example below illustrates how where you live affects auto insurance prices.

The examples above illustrate why everyone should compare rates using their specific location and their own personal driving habits, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $826
• Drivers who choose higher $1,000 deductibles will pay $204 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,454
• Selecting pricier low deductibles for comprehensive and collision insurance will cost $1,858
• High-risk insureds with serious driving violations could pay around $3,162 or more
• Policy cost with full coverage for a teenage driver for full coverage can cost $5,402 a year

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Insurance rates for a Volkswagen Golf also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,700 to $2,400 extra every year, depending on your age. Volkswagen Golf insurance for high-risk drivers can cost around 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $610 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Volkswagen Golf insurance rates. A 40-year-old driver could pay as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,970 on average in Florida, New York, and Michigan.

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Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates and see how they stack up. Every company calculates rates differently, so the rates will be varied between companies.

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 Buy Cheaper Volkswagen Golf Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit history, being claim-free, and maximizing policy discounts. Take the time to comparison shop at least every other year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a condensed summary of the car insurance concepts touched on in the above illustrations.

• Drivers with multiple at-fault accidents could be forced to pay on average $1,710 more per year for auto insurance
• It is possible to save around $180 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $600 each year
• Consumers who purchase higher levels of liability will pay approximately $430 annually to go from a 30/60 limit to higher 250/500 limits

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.