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 insurance costs an estimated $306 a year, collision costs $600, and liability insurance costs around $390. Liability-only insurance costs as low as $452 a year, with high-risk driver insurance costing $3,162 or more. Teenage drivers pay the highest rates at $5,402 a year or more.

Average premium for full coverage: $1,454

Price estimates broken down by individual coverage:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Golf trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how your location can change insurance prices.

The ranges above highlight why it is important to compare prices for a targeted area and risk profile, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $826
• Using higher $1,000 deductibles will save approximately $1,250 every year
• The average rate for the average middle-age driver who has $500 deductibles is $1,454
• Using low $100 deductibles for physical damage coverage will cost an extra $404 a year
• Drivers who are prone to accidents and violations could pay up to $3,162 or more
• The price for full coverage for a teen driver can cost as much as $5,402 or more

View Chart as Image

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

Older drivers with no driving violations and high deductibles could pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged at least $5,400 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $610 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,700 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out which car insurance is cheapest is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, so rate quotes 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 Volkswagen Golf insurance requires being safe and accident-free, having above-average credit, being claim-free, and not having any coverage lapses. Invest the time to shop around at least once a year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below you'll find a brief recap of the primary concepts that were illustrated above.

• You may be able to save approximately $180 per year simply by quoting early and online
• High-risk drivers who tend to receive serious violations may pay on average $1,710 more annually than a low-risk driver
• Increasing physical damage deductibles can save around $600 each year
• Youthful drivers have the highest car insurance prices, possibly costing $450 a month if full coverage is included

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.