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.

Estimated insurance rates for a Volkswagen Golf are $1,478 a year for full coverage insurance. Comprehensive costs approximately $322 a year, collision insurance costs $626, and liability costs around $372. A policy with only liability insurance costs as low as $438 a year, and a high-risk policy costs around $3,206. 16-year-old drivers pay the most at up to $5,438 a year.

Average premium for full coverage: $1,478

Premium estimates by type of coverage:

These estimates include $500 deductible amounts, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and Golf trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

These rate differences illustrate why it is important to compare prices using their specific location, instead of making a decision based on rate averages.

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

Additional Rate Details

The chart below illustrates average Volkswagen Golf insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $840
• Using higher $1,000 deductibles will save $1,262 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,478
• Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,896
• High-risk insureds with multiple tickets or accidents could pay around $3,206
• An auto insurance policy that insures a 16-year-old driver can cost $5,438 or more

View Chart as Image

Car insurance prices for a Volkswagen Golf also have a wide range based on the trim level of your Golf, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,800 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy can be from 44% to 136% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $5,400 a year. View Rates by Age

Where you choose to live has a huge impact on Volkswagen Golf insurance prices. A driver around age 40 might see prices as low as $970 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,000 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $640 annually, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $335 extra every 12 months. View Rates by Deductible or Liability Limit

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 Cheap Volkswagen Golf Insurance

Finding better rates on insurance for a Volkswagen Golf requires having a good driving record, having a positive credit history, paying for small claims out-of-pocket, and attention to physical damage deductibles. Comparison shop every couple of years by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The next list is a brief summary of the material that was raised in the charts and tables above.

• Insureds who purchase increased levels of liability coverage will pay around $410 annually to increase from 30/60 bodily injury limits to the 250/500 level
• Drivers age 20 and younger pay the highest auto insurance prices, with premiums being up to $453 per month if full coverage is purchased
• Drivers considered higher risk that tend to have accidents or serious violations could be charged and average of $1,730 more per year to buy Volkswagen Golf insurance
• Increasing policy deductibles can save approximately $625 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.