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 auto insurance rates for a Volkswagen Golf are $1,454 annually for full coverage insurance. Comprehensive costs on average $306 a year, collision costs $600, and liability insurance costs $390. Buying just liability costs as little as $452 a year, with insurance for high-risk drivers costing around $3,162. 16-year-old drivers receive the highest rates at $5,402 a year or more.

Average premium for full coverage: $1,454

Rate estimates by individual coverage type:

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Golf trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on insurance rates. Rural areas tend to have fewer physical damage claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These examples illustrate why it is important to compare rates based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $826
• Drivers who choose higher $1,000 deductibles will pay around $1,250 each year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,454
• Buying low $100 deductibles for comprehensive and collision insurance will cost $1,858
• High risk drivers with multiple tickets or accidents could pay upwards of $3,162 or more
• The cost with full coverage for a teen driver may cost $5,402 a year

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Auto insurance rates for a Volkswagen Golf can also vary considerably based on the trim level of your Golf, your risk profile, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $5,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,400 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $610 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit

Where you live 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 at least $1,970 on average in Michigan, New York, and Florida.

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With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company utilizes a different rate formula, and quoted rates can be significantly different 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 the Right Volkswagen Golf Insurance

Saving money on Volkswagen Golf insurance not only requires avoiding accidents and violations, but also having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates every couple of years by quoting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a quick rundown of the material that was covered above.

• Drivers who require higher liability limits will pay around $430 annually to go from a minimum limit to higher 250/500 limits
• Teenagers are charged the highest rates, costing up to $450 per month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions may pay on average $1,710 more each year for car insurance
• Increasing deductibles could save up to $600 each year

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.