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 with full coverage. Comprehensive costs approximately $306, collision costs $600, and liability is estimated at $390. Buying just liability costs approximately $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:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Golf trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $826
• Choosing higher $1,000 deductibles can save $204 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,454
• Selecting more expensive low deductibles for comp and collision coverage bumps up the cost to $1,858
• Higher-risk drivers with serious driving violations could pay around $3,162 or more
• Policy cost that insures a 16-year-old driver with full coverage can cost $5,402 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance ranges from 44% to 130% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Volkswagen Golf insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,970 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $610 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates from multiple companies. Each auto insurer calculates rates differently, so the rates will be varied.

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 Low Cost Volkswagen Golf Insurance

Finding cheaper rates on insurance for a Volkswagen Golf takes avoiding accidents and violations, having above-average credit, not filing small claims, and maximizing policy discounts. Compare rates every other policy renewal by obtaining price quotes from direct companies, and also from local insurance agencies.

The list below is a review of the ideas that were presented in the illustrations above.

• Teenagers are expensive to insure, as much as $450 each month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,710 more per year for car insurance
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• You may be able to save around $180 per year simply by shopping early and online

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.