Volkswagen Golf Insurance Rates
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UPDATED: Apr 3, 2024
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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 with full coverage. Comprehensive costs on average $306 each year, collision insurance costs $600, and liability is estimated at $390. Buying just liability costs approximately $452 a year, and insurance for high-risk drivers costs around $3,162. Teens receive the highest rates at up to $5,402 a year.
Average premium for full coverage: $1,454
Rate estimates by individual coverage type:
Prices are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Golf models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from as cheap as $452 for basic liability insurance to a high rate of $3,162 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city can make a big difference on auto insurance rates. Rural areas tend to have fewer collision claims than cities with more traffic congestion. The graphic below illustrates how where you live affects car insurance rates.
These examples demonstrate why all drivers should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below details average Volkswagen Golf insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $826
- Choosing higher $1,000 deductibles can save around $204 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,454
- Selecting low deductibles for comp and collision coverage will cost $1,858
- Higher-risk drivers with serious driving violations could pay upwards of $3,162
- The cost with full coverage for a 16-year-old driver may cost $5,402 each year
Auto insurance rates for a Volkswagen Golf can also vary considerably based on the trim level of your Golf, your driving record, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,400 annually on average for full coverage. Rates are much higher 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 may be forking out at a minimum $1,700 to $2,400 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges from 44% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $610 annually, whereas increasing liability limits will cost you more. Moving 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 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 New Hampshire, Ohio, and Utah, or have to pay at least $1,970 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,318 | -$136 | -9.4% |
| Alaska | $1,116 | -$338 | -23.2% |
| Arizona | $1,208 | -$246 | -16.9% |
| Arkansas | $1,454 | -$0 | 0.0% |
| California | $1,658 | $204 | 14.0% |
| Colorado | $1,390 | -$64 | -4.4% |
| Connecticut | $1,498 | $44 | 3.0% |
| Delaware | $1,648 | $194 | 13.3% |
| Florida | $1,822 | $368 | 25.3% |
| Georgia | $1,346 | -$108 | -7.4% |
| Hawaii | $1,046 | -$408 | -28.1% |
| Idaho | $986 | -$468 | -32.2% |
| Illinois | $1,084 | -$370 | -25.4% |
| Indiana | $1,098 | -$356 | -24.5% |
| Iowa | $984 | -$470 | -32.3% |
| Kansas | $1,384 | -$70 | -4.8% |
| Kentucky | $1,986 | $532 | 36.6% |
| Louisiana | $2,156 | $702 | 48.3% |
| Maine | $898 | -$556 | -38.2% |
| Maryland | $1,202 | -$252 | -17.3% |
| Massachusetts | $1,166 | -$288 | -19.8% |
| Michigan | $2,530 | $1,076 | 74.0% |
| Minnesota | $1,218 | -$236 | -16.2% |
| Mississippi | $1,744 | $290 | 19.9% |
| Missouri | $1,292 | -$162 | -11.1% |
| Montana | $1,564 | $110 | 7.6% |
| Nebraska | $1,150 | -$304 | -20.9% |
| Nevada | $1,746 | $292 | 20.1% |
| New Hampshire | $1,048 | -$406 | -27.9% |
| New Jersey | $1,628 | $174 | 12.0% |
| New Mexico | $1,290 | -$164 | -11.3% |
| New York | $1,532 | $78 | 5.4% |
| North Carolina | $838 | -$616 | -42.4% |
| North Dakota | $1,192 | -$262 | -18.0% |
| Ohio | $1,006 | -$448 | -30.8% |
| Oklahoma | $1,494 | $40 | 2.8% |
| Oregon | $1,332 | -$122 | -8.4% |
| Pennsylvania | $1,390 | -$64 | -4.4% |
| Rhode Island | $1,942 | $488 | 33.6% |
| South Carolina | $1,320 | -$134 | -9.2% |
| South Dakota | $1,228 | -$226 | -15.5% |
| Tennessee | $1,276 | -$178 | -12.2% |
| Texas | $1,756 | $302 | 20.8% |
| Utah | $1,076 | -$378 | -26.0% |
| Vermont | $996 | -$458 | -31.5% |
| Virginia | $872 | -$582 | -40.0% |
| Washington | $1,124 | -$330 | -22.7% |
| West Virginia | $1,336 | -$118 | -8.1% |
| Wisconsin | $1,008 | -$446 | -30.7% |
| Wyoming | $1,300 | -$154 | -10.6% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volkswagen Golf 2.5 2-Dr Hatchback | $1,398 | $117 |
| Volkswagen Golf 2.5 4-Dr Hatchback | $1,396 | $116 |
| Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback | $1,498 | $125 |
| Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback | $1,480 | $123 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volkswagen Golf | $306 | $600 | $390 | $1,454 |
| 2023 Volkswagen Golf | $294 | $596 | $398 | $1,446 |
| 2022 Volkswagen Golf | $284 | $582 | $416 | $1,440 |
| 2021 Volkswagen Golf | $274 | $558 | $430 | $1,420 |
| 2020 Volkswagen Golf | $260 | $538 | $442 | $1,398 |
| 2019 Volkswagen Golf | $250 | $500 | $452 | $1,360 |
| 2018 Volkswagen Golf | $240 | $470 | $456 | $1,324 |
| 2017 Volkswagen Golf | $230 | $422 | $460 | $1,270 |
| 2016 Volkswagen Golf | $214 | $388 | $460 | $1,220 |
| 2015 Volkswagen Golf | $206 | $364 | $464 | $1,192 |
| 2012 Volkswagen Golf | $182 | $286 | $478 | $1,104 |
Rates are averaged for all Volkswagen Golf models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Affordable Volkswagen Golf Insurance
Saving money on insurance for a Volkswagen Golf takes being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop at least once a year by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The items below are a brief review of the primary concepts that were touched on in the above illustrations.
- You may be able to save as much as $180 per year just by quoting online in advance
- Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,710 more each year to insure their Golf
- Increasing deductibles could save up to $600 each year
- Teen drivers are charged the highest rates, with premiums as much as $450 per month if full coverage is included
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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,402 |
| 20 | $3,380 |
| 30 | $1,522 |
| 40 | $1,454 |
| 50 | $1,330 |
| 60 | $1,306 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,858 |
| $250 | $1,672 |
| $500 | $1,454 |
| $1,000 | $1,250 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,454 |
| 50/100 | $1,558 |
| 100/300 | $1,656 |
| 250/500 | $1,909 |
| 100 CSL | $1,597 |
| 300 CSL | $1,812 |
| 500 CSL | $1,968 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,722 |
| 20 | $5,378 |
| 30 | $3,234 |
| 40 | $3,162 |
| 50 | $3,016 |
| 60 | $2,990 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $78 |
| Multi-vehicle | $76 |
| Homeowner | $21 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $95 |
| Paid in Full/EFT | $69 |
| Advance Quote | $74 |
| Online Quote | $104 |
| Total Discounts | $628 |
Discounts are estimated and may not be available from every company or in every state.
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