Volkswagen Golf Insurance Rates

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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.

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. Liability-only coverage costs around $452 a year, and high-risk coverage 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:

Comprehensive $306
Collision $600
Liability $390

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for all Golf models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from as low as $452 for minimum levels of liability insurance to the much higher price of $3,162 for coverage for higher-risk drivers.

Liability Only $452
Full Coverage $1,454
High Risk $3,162

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 a lower frequency of collision claims than larger metro areas. The example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $1,091
Small Cities $1,527
Large Cities $1,963

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

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.

Additional 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 average rate for a 40-year-old driver who chooses $500 deductibles is $1,454
  • Choosing pricier low deductibles will increase the cost to $1,858
  • Unlucky drivers with multiple violations and an at-fault accident could pay around $3,162
  • The cost for full coverage for a teenage driver for full coverage can cost $5,402

View Chart as Image

Volkswagen Golf insurance cost comparison chart
Column chart showing Volkswagen Golf insurance rates range from $826 to $5,402 for full coverage

Car insurance rates for a Volkswagen Golf can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged 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.

Volkswagen Golf Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,318 -$136 -9.4%
Alaska $1,116 -$338 -23.2%
Arizona $1,208 -$246 -16.9%
Arkansas $1,454 -$0 0.0%
California $1,658 $204 14.0%
Colorado $1,390 -$64 -4.4%
Connecticut $1,498 $44 3.0%
Delaware $1,648 $194 13.3%
Florida $1,822 $368 25.3%
Georgia $1,346 -$108 -7.4%
Hawaii $1,046 -$408 -28.1%
Idaho $986 -$468 -32.2%
Illinois $1,084 -$370 -25.4%
Indiana $1,098 -$356 -24.5%
Iowa $984 -$470 -32.3%
Kansas $1,384 -$70 -4.8%
Kentucky $1,986 $532 36.6%
Louisiana $2,156 $702 48.3%
Maine $898 -$556 -38.2%
Maryland $1,202 -$252 -17.3%
Massachusetts $1,166 -$288 -19.8%
Michigan $2,530 $1,076 74.0%
Minnesota $1,218 -$236 -16.2%
Mississippi $1,744 $290 19.9%
Missouri $1,292 -$162 -11.1%
Montana $1,564 $110 7.6%
Nebraska $1,150 -$304 -20.9%
Nevada $1,746 $292 20.1%
New Hampshire $1,048 -$406 -27.9%
New Jersey $1,628 $174 12.0%
New Mexico $1,290 -$164 -11.3%
New York $1,532 $78 5.4%
North Carolina $838 -$616 -42.4%
North Dakota $1,192 -$262 -18.0%
Ohio $1,006 -$448 -30.8%
Oklahoma $1,494 $40 2.8%
Oregon $1,332 -$122 -8.4%
Pennsylvania $1,390 -$64 -4.4%
Rhode Island $1,942 $488 33.6%
South Carolina $1,320 -$134 -9.2%
South Dakota $1,228 -$226 -15.5%
Tennessee $1,276 -$178 -12.2%
Texas $1,756 $302 20.8%
Utah $1,076 -$378 -26.0%
Vermont $996 -$458 -31.5%
Virginia $872 -$582 -40.0%
Washington $1,124 -$330 -22.7%
West Virginia $1,336 -$118 -8.1%
Wisconsin $1,008 -$446 -30.7%
Wyoming $1,300 -$154 -10.6%

View Chart as Image

Volkswagen Golf insurance rates by U.S. city

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 limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,400 extra 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

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 $1,398 $117
Volkswagen Golf 2.5 4-Dr Hatchback $1,396 $116
Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback $1,498 $125
Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback $1,480 $123

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 $306 $600 $390 $1,454
2023 Volkswagen Golf $294 $596 $398 $1,446
2022 Volkswagen Golf $284 $582 $416 $1,440
2021 Volkswagen Golf $274 $558 $430 $1,420
2020 Volkswagen Golf $260 $538 $442 $1,398
2019 Volkswagen Golf $250 $500 $452 $1,360
2018 Volkswagen Golf $240 $470 $456 $1,324
2017 Volkswagen Golf $230 $422 $460 $1,270
2016 Volkswagen Golf $214 $388 $460 $1,220
2015 Volkswagen Golf $206 $364 $464 $1,192
2012 Volkswagen Golf $182 $286 $478 $1,104

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 More Affordable Volkswagen Golf Insurance

Saving money on auto insurance consists of having a decent driving record, having above-average credit, eliminating unnecessary coverage, and attention to physical damage deductibles. Set aside time to shop around at least once a year by getting rate quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The following items are a summary of the primary concepts that were raised in the charts and tables above.

  • You may be able to save around $180 per year just by quoting online well ahead of the renewal date
  • Drivers who have multiple accidents or major violations pay on average $1,710 more per year than a driver with a clean driving record
  • Increasing deductibles can save around $600 each year
  • 16 to 18-year-old drivers pay the highest auto insurance rates, with premiums as much as $450 per 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. 

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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 $5,402
20 $3,380
30 $1,522
40 $1,454
50 $1,330
60 $1,306

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,858
$250 $1,672
$500 $1,454
$1,000 $1,250

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,454
50/100 $1,558
100/300 $1,656
250/500 $1,909
100 CSL $1,597
300 CSL $1,812
500 CSL $1,968

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Golf Insurance Rates for High Risk Drivers
Age Premium
16 $7,722
20 $5,378
30 $3,234
40 $3,162
50 $3,016
60 $2,990

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 $205

Potential Rate Discounts

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

Discount Savings
Multi-policy $78
Multi-vehicle $76
Homeowner $21
5-yr Accident Free $111
5-yr Claim Free $95
Paid in Full/EFT $69
Advance Quote $74
Online Quote $104
Total Discounts $628
Rate after discounts $826

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

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