Volkswagen Golf Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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.

U.S. average insurance rates for a Volkswagen Golf are $1,478 a year for full coverage insurance. Comprehensive insurance costs on average $322, collision insurance costs $626, and liability coverage is $372. A policy with just liability insurance costs around $438 a year, and coverage for high-risk drivers costs $3,206 or more. Teenage drivers pay the highest rates at up to $5,438 a year.

Average premium for full coverage: $1,478

Price estimates by individual coverage:

Comprehensive $322
Collision $626
Liability $372

Prices are based on $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Golf models.

Price Range from Low to High

Using a middle-aged driver as an example, Volkswagen Golf insurance prices range from as low as $438 for just liability coverage to the much higher price of $3,206 for a high-risk driver policy.

Liability Only $438
Full Coverage $1,478
High Risk $3,206

Geographic Price Range

Choosing to live in a large city has a large influence on insurance rates. Rural areas have a lower frequency of physical damage claims than densely populated cities. The example below illustrates how where you live affects car insurance rates.

Rural Areas $1,109
Small Cities $1,552
Large Cities $1,995

The ranges above illustrate why everyone should compare rates quotes based on a specific location and risk profile, rather than 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.

Detailed Rate Analysis

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

  • The best discount rate is $840
  • Raising to $1,000 deductibles will save around $216 each year
  • The average rate for the average middle-age driver with $500 deductibles is $1,478
  • Using pricier low deductibles will cost an extra $418 each year
  • Unlucky drivers who are prone to accidents and violations could pay upwards of $3,206
  • The price for full coverage for a teenage driver for full coverage may cost $5,438

View Chart as Image

Volkswagen Golf insurance cost comparison chart
Column chart showing Volkswagen Golf insurance prices range from $840 to $5,438 for full coverage

Insurance prices for a Volkswagen Golf are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles may only pay around $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $5,400 a year. View Rates by Age

The state you live in also has a big influence on Volkswagen Golf insurance rates. A middle-age driver might find prices as low as $970 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,000 on average in Michigan, New York, and Florida.

Volkswagen Golf Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,334 -$144 -9.7%
Alaska $1,134 -$344 -23.3%
Arizona $1,224 -$254 -17.2%
Arkansas $1,478 -$0 0.0%
California $1,682 $204 13.8%
Colorado $1,412 -$66 -4.5%
Connecticut $1,518 $40 2.7%
Delaware $1,674 $196 13.3%
Florida $1,850 $372 25.2%
Georgia $1,366 -$112 -7.6%
Hawaii $1,060 -$418 -28.3%
Idaho $1,000 -$478 -32.3%
Illinois $1,102 -$376 -25.4%
Indiana $1,112 -$366 -24.8%
Iowa $998 -$480 -32.5%
Kansas $1,406 -$72 -4.9%
Kentucky $2,014 $536 36.3%
Louisiana $2,188 $710 48.0%
Maine $912 -$566 -38.3%
Maryland $1,220 -$258 -17.5%
Massachusetts $1,184 -$294 -19.9%
Michigan $2,566 $1,088 73.6%
Minnesota $1,238 -$240 -16.2%
Mississippi $1,770 $292 19.8%
Missouri $1,310 -$168 -11.4%
Montana $1,588 $110 7.4%
Nebraska $1,166 -$312 -21.1%
Nevada $1,772 $294 19.9%
New Hampshire $1,064 -$414 -28.0%
New Jersey $1,652 $174 11.8%
New Mexico $1,308 -$170 -11.5%
New York $1,556 $78 5.3%
North Carolina $852 -$626 -42.4%
North Dakota $1,210 -$268 -18.1%
Ohio $1,020 -$458 -31.0%
Oklahoma $1,518 $40 2.7%
Oregon $1,352 -$126 -8.5%
Pennsylvania $1,410 -$68 -4.6%
Rhode Island $1,970 $492 33.3%
South Carolina $1,340 -$138 -9.3%
South Dakota $1,248 -$230 -15.6%
Tennessee $1,296 -$182 -12.3%
Texas $1,780 $302 20.4%
Utah $1,094 -$384 -26.0%
Vermont $1,012 -$466 -31.5%
Virginia $884 -$594 -40.2%
Washington $1,142 -$336 -22.7%
West Virginia $1,354 -$124 -8.4%
Wisconsin $1,022 -$456 -30.9%
Wyoming $1,316 -$162 -11.0%

View Chart as Image

Volkswagen Golf insurance rates by U.S. city

Using high physical damage deductibles can reduce prices by up to $640 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $335 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,800 to $2,400 extra each year, depending on your age. Volkswagen Golf insurance for high-risk drivers is expensive and can cost around 44% to 136% more than a normal policy. View High Risk Driver Rates

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 $1,418 $118
Volkswagen Golf 2.5 4-Dr Hatchback $1,414 $118
Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback $1,522 $127
Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback $1,504 $125

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 $322 $626 $372 $1,478
2023 Volkswagen Golf $306 $600 $390 $1,454
2022 Volkswagen Golf $294 $596 $398 $1,446
2021 Volkswagen Golf $284 $582 $416 $1,440
2020 Volkswagen Golf $274 $558 $430 $1,420
2019 Volkswagen Golf $260 $538 $442 $1,398
2018 Volkswagen Golf $250 $500 $452 $1,360
2017 Volkswagen Golf $240 $470 $456 $1,324
2016 Volkswagen Golf $230 $422 $460 $1,270
2015 Volkswagen Golf $214 $388 $460 $1,220
2012 Volkswagen Golf $186 $316 $474 $1,134
2004 Volkswagen Golf $132 $180 $442 $912

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 Affordable Volkswagen Golf Insurance

Getting lower rates on auto insurance consists of not taking risks behind the wheel, maintaining good credit, not filing small claims, and determing if full coverage is necessary. Take the time to comparison shop every time your policy renews by requesting rates from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following is a brief review of the information touched on in the above illustrations.

  • It is possible to save as much as $180 per year just by quoting online well ahead of the renewal date
  • Teens pay the highest prices, as much as $453 a month for full coverage
  • Increasing physical damage deductibles can save around $625 each year
  • Drivers with DUI or reckless driving convictions pay an average of $1,730 more each year for Golf insurance
  • Consumers who require higher liability limits will pay an extra $410 annually to raise from a low limit to 250/500 limits

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 $5,438
20 $3,428
30 $1,550
40 $1,478
50 $1,350
60 $1,324

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,896
$250 $1,702
$500 $1,478
$1,000 $1,262

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,478
50/100 $1,578
100/300 $1,671
250/500 $1,913
100 CSL $1,616
300 CSL $1,820
500 CSL $1,969

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Golf Insurance Rates for High Risk Drivers
Age Premium
16 $7,778
20 $5,450
30 $3,282
40 $3,206
50 $3,058
60 $3,030

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 $208

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $79
Multi-vehicle $77
Homeowner $21
5-yr Accident Free $113
5-yr Claim Free $96
Paid in Full/EFT $71
Advance Quote $75
Online Quote $106
Total Discounts $638
Rate after discounts $840

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

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