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.

The average insurance rates for a Volkswagen Golf are $1,454 a year including full coverage. Comprehensive insurance costs an estimated $306 each year, collision costs $600, and liability costs $390. Liability-only coverage costs as little as $452 a year, with high-risk coverage costing $3,162 or more. Teenage drivers cost the most to insure at $5,402 a year or more.

Average premium for full coverage: $1,454

Policy rates broken down by type of insurance:

Comprehensive $306
Collision $600
Liability $390

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Golf models.

Price Range Variability

For a driver in their 40's, Volkswagen Golf insurance rates go from the low end price of $452 for the bare minimum liability coverage to a high rate of $3,162 for coverage for higher-risk drivers.

Liability Only $452
Full Coverage $1,454
High Risk $3,162

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location helps determine insurance prices.

Rural Areas $1,091
Small Cities $1,527
Large Cities $1,963

The examples above highlight why all drivers should compare rates for a targeted area, instead of using average rates.

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.

Additional Rate Information

The chart below breaks down estimated Volkswagen Golf insurance rates for other coverage scenarios.

  • The best discount rate is $826
  • Drivers who choose higher $1,000 deductibles will pay approximately $204 every year
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,454
  • Using low deductibles for comprehensive and collision insurance will cost an additional $404 every year
  • Higher-risk drivers who are prone to accidents and violations could pay up to $3,162 or more
  • Policy cost that insures a teen driver can cost as much as $5,402 a year

View Chart as Image

Volkswagen Golf insurance cost comparison chart
Column chart showing full coverage Volkswagen Golf insurance prices range from $826 to $5,402

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

If you have a few points on your driving record or you caused an accident, you are likely paying $1,700 to $2,400 additional every year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,400 a year. View Rates by Age

Your home state makes a big difference in Volkswagen Golf insurance prices. A 40-year-old driver could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,080 on average in Louisiana, New York, and Michigan.

Volkswagen Golf Insurance Rates by State
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%

View Chart as Image

Volkswagen Golf insurance rates by U.S. city

Using high physical damage deductibles could save up to $610 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Every company uses a different method to calculate rates, and rates will be varied.

Insurance Rates by Trim Level and Model Year

Volkswagen Golf Insurance Rates by Model and Trim Level
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.

Volkswagen Golf Insurance Rates by Model Year
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 Find Low Cost Volkswagen Golf Insurance

Finding cheaper rates on car insurance not only requires being safe and accident-free, but also having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices at least once a year by getting quotes from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a review of the primary concepts that were covered in the charts and tables above.

  • You may be able to save approximately $180 per year simply by quoting online in advance
  • Higher risk drivers who have several accidents or serious violations could be charged and average of $1,710 more annually than a low-risk driver
  • Increasing comprehensive and collision deductibles can save approximately $600 each year
  • Youthful drivers are expensive to insure, with premiums being up to $450 each month if comprehensive and collision insurance 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. 

Rates by Driver Age

Volkswagen Golf Insurance 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

Volkswagen Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,858
$250 $1,672
$500 $1,454
$1,000 $1,250

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf Insurance Rates with Different Liability Limits
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

Volkswagen Golf Insurance 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.

SR-22 Surcharge $205

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
Rate after discounts $826

Discounts are estimated and may not be available from every company or in every state.

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