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.

U.S. average insurance rates for a Volkswagen Golf are $1,454 a year including full coverage. Comprehensive costs on average $306, collision costs $600, and liability costs around $390. Buying just liability costs as low as $452 a year, with insurance for high-risk drivers costing around $3,162. Teen drivers pay the highest rates at $5,402 a year or more.

Average premium for full coverage: $1,454

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for all Golf models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates the effect of geographic area on car insurance rates.

The ranges above highlight why everyone should compare prices based on a specific location and risk profile, instead of using price averages.

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

Additional Rate Details

The chart below breaks down estimated Volkswagen Golf insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $826
• Using higher $1,000 deductibles will save around $204 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,454
• Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,858
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,162 or more
• The price for full coverage for a teen driver for full coverage may cost $5,402 or more

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,400 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $5,400 a year. View Rates by Age

The state you live in has a huge impact on Volkswagen Golf insurance prices. A driver around age 40 might see prices as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,080 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut prices by as much as $610 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,700 to $2,400 additional each year, depending on your age. Volkswagen Golf insurance for high-risk drivers can be as much as 44% to 130% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Each insurance company uses a different rate calculation, and prices may be quite different from one company to the next.

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 Volkswagen Golf Insurance

Getting lower rates on car insurance requires avoiding accidents and claims, having a good credit history, being claim-free, and insuring your home and auto with the same company. Take the time to compare rates every other policy renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a brief recap of the ideas that were covered in the above illustrations.

• Drivers under the age of 20 pay higher prices, possibly costing $450 a month including comprehensive and collision insurance
• Higher risk drivers who tend to receive serious violations may pay on average $1,710 more each year to insure a Volkswagen Golf
• Increasing physical damage deductibles can save around $600 each year
• You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date

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.