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

Average premium for full coverage: $1,454

Rate estimates broken down by individual coverage type:

Includes $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and Golf trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations tend to have fewer physical damage claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

These examples illustrate why it is important to compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $826
• Raising to $1,000 deductibles will save approximately $1,250 each year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,454
• Using low $100 deductibles costs an additional $404 annually
• Drivers who are prone to accidents and violations could pay up to $3,162 or more
• The cost with full coverage for a 16-year-old driver can cost as much as $5,402

View Chart as Image

Insurance rates for a Volkswagen Golf can also vary considerably based on the trim level of your Golf, your risk profile, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $5,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,700 to $2,400 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $610 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Volkswagen Golf insurance prices. A middle-age driver might find rates as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,970 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out which company is cheapest is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different between companies.

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 Buy the Cheapest Volkswagen Golf Insurance

Saving money on insurance for a Volkswagen Golf consists of being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at least once a year by requesting rates from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below is a recap of the primary concepts that were covered above.

• It is possible to save approximately $180 per year simply by quoting early and online
• Drivers considered higher risk that have major violations or accidents may pay on average $1,710 more annually for auto insurance
• Increasing deductibles could save up to $600 each year
• Teenage drivers are expensive to insure, costing up to $450 per month if they have full coverage

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.