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 insurance rates for a Volkswagen Golf are $1,454 a year for full coverage insurance. Comprehensive insurance costs on average $306, collision insurance costs $600, and liability coverage costs $390. A liability-only policy costs as little as $452 a year, and high-risk insurance costs $3,162 or more. Teenage drivers cost the most to insure at up to $5,402 a year.

Average premium for full coverage: $1,454

Policy rates by type of insurance:

Prices include $500 deductible amounts, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for different Golf trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates how location helps determine car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates based on a specific location, rather than using average rates.

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

More Rate Information

The chart below illustrates average Volkswagen Golf insurance rates for different risk profiles and scenarios.

• The best discount rate is $826
• Drivers who choose higher $1,000 deductibles will pay around $204 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,454
• Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $404 each year
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,162
• Policy cost that insures a teenage driver with full coverage may cost $5,402 a year

View Chart as Image

Car insurance rates for a Volkswagen Golf also range considerably based on the model year and trim level, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $5,400 a year. View Rates by Age

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 Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,970 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $610 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $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 the Right Volkswagen Golf Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also having a positive credit history, being claim-free, and possibly raising deductibles. Compare prices at least every other year by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a quick rundown of the car insurance concepts covered in the charts and tables above.

• Drivers with reckless driving or DUI convictions may pay on average $1,710 more each year to buy Volkswagen Golf insurance
• It is possible to save as much as $180 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Consumers who require increased levels of liability coverage will pay an extra $430 annually to go from a 30/60 limit to the 250/500 level

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.