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 prices for a Volkswagen Golf are $1,478 every 12 months for full coverage. Comprehensive insurance costs approximately $322, collision insurance costs $626, and liability coverage is $372. Buying just liability costs around $438 a year, and insurance for high-risk drivers costs $3,206 or more. Teens cost the most to insure at up to $5,438 a year.

Average premium for full coverage: $1,478

Policy rates by type of insurance:

Rates are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all Golf models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are shown to have more infrequent accident claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance prices.

The examples above show why everyone should compare rates quotes using their specific location and their own driving history, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $840
• Raising to $1,000 deductibles will save $216 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,478
• Selecting pricier low deductibles costs an extra $418 each year
• Unlucky drivers with serious driving violations could pay around $3,206
• Policy cost to insure a teenage driver for full coverage can cost $5,438

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Insurance rates for a Volkswagen Golf also range considerably based on liability limits and deductibles, your driver profile, and the model of your Golf.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $640 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers 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 were responsible for an accident, you could be paying anywhere from $1,800 to $2,400 extra every year, depending on your age. Volkswagen Golf insurance for high-risk drivers is expensive and can cost around 44% to 136% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Volkswagen Golf insurance rates. A middle-age driver might find rates as low as $970 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,110 on average in New York, Louisiana, and Michigan.

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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 Shop for the Best Cheap Volkswagen Golf Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop at least every other year by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The items below are a quick review of the car insurance concepts touched on in the above illustrations.

• Drivers with a DUI or reckless driving violation may pay on average $1,730 more per year to insure their Golf
• Drivers can save around $180 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $625 each year
• Consumers who purchase more liability coverage will pay approximately $410 each year to raise from a 30/60 limit to a 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.