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 insurance rates for a Volkswagen Golf are $1,454 a year with full coverage. Comprehensive insurance costs around $306 each year, collision costs $600, and liability is estimated at $390. A liability-only policy costs approximately $452 a year, with high-risk insurance costing $3,162 or more. Teen drivers receive the highest rates at $5,402 a year or more.

Average premium for full coverage: $1,454

Rate estimates for individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and Golf models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than larger metro areas.

The graphic below illustrates how where you live affects auto insurance rates.

These examples demonstrate why all drivers should get quotes for a specific zip code, instead of using price averages.

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

Detailed Rate Analysis

The chart below details estimated Volkswagen Golf insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $826
• Choosing higher $1,000 deductibles can save about $204 annually
• The estimated price for a 40-year-old driver using $500 deductibles is $1,454
• Choosing low deductibles for comp and collision coverage will cost an additional $404 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $3,162 or more
• The cost that insures a teen driver can be $5,402 each year

View Chart as Image

Insurance rates for a Volkswagen Golf can also vary considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $1,700 to $2,400 extra per year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 130% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,400 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay as much as $5,400 a year. View Rates by Age

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 as much as $1,970 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can save as much as $610 every year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out your exact price is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different rate calculation, so the rates can be significantly different.

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 Best Cheap Volkswagen Golf Insurance

Saving money on car insurance takes having a decent driving record, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Shop around every time your policy renews by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a quick review of the information touched on in the above illustrations.

• You may be able to save up to $180 per year simply by quoting online in advance
• 16 to 18-year-old drivers pay higher rates, with premiums as much as $450 per month if full coverage is included
• Increasing deductibles can save approximately $600 each year
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,710 more every year than a driver with a clean driving record
• Policyholders who may need additional liability coverage will pay about $430 every year to raise limits from a minimum 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.