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 insurance rates for a Volkswagen Golf are $1,454 a year with full coverage. Comprehensive costs approximately $306, collision insurance costs $600, and liability coverage is $390. Buying just liability costs around $452 a year, and insurance for high-risk drivers costs around $3,162. Teen drivers receive the highest rates at up to $5,402 a year.

Average premium for full coverage: $1,454

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Golf models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. Rural locations tend to have lower incidents of collision claims than larger metro areas. The example below illustrates the difference between rural and urban areas on auto insurance prices.

These examples demonstrate why everyone should compare rates quotes using their specific location, rather than using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $826
• Raising to $1,000 deductibles will save $204 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,454
• Choosing pricier low deductibles bumps up the cost to $1,858
• Unlucky drivers with multiple violations and an at-fault accident could pay around $3,162
• The cost that insures a teenage driver for full coverage can cost $5,402

View Chart as Image

Auto insurance rates for a Volkswagen Golf can also vary considerably based on the model of your Golf, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,700 to $2,400 in extra premium per year, depending on your age. Volkswagen Golf insurance for high-risk drivers is expensive and can cost around 44% to 130% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,400 a year. View Rates by Age

Where you live also has a big influence on Volkswagen Golf insurance rates. A middle-age driver might find rates as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,970 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can reduce rates by up to $610 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 extra every year. 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 Affordable Volkswagen Golf Insurance

Saving money on auto insurance consists of avoiding accidents and claims, maintaining a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Shop around every time your policy renews by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The points below are a brief review of the information covered above.

• You may be able to save around $180 per year just by quoting online well ahead of the renewal date
• Drivers under the age of 20 have the highest car insurance rates, with premiums as much as $450 per month if the policy includes full coverage
• Increasing deductibles can save approximately $600 each year
• Drivers with DUI or reckless driving convictions may have to pay on average $1,710 more per year to insure a Volkswagen Golf
• Consumers who purchase increased liability limits will pay about $430 every year to raise from a minimum limit to the 250/500 level

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.