Volkswagen Golf Alltrack Insurance Rates
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Michelle Robbins
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UPDATED: May 11, 2024
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The average insurance prices for a Volkswagen Golf Alltrack are $1,450 every 12 months for full coverage. Comprehensive costs an estimated $292 a year, collision costs $548, and liability insurance is estimated at $452. Liability-only insurance costs approximately $504 a year, with high-risk driver insurance costing around $3,152. 16-year-old drivers cost the most to insure at $5,468 a year or more.
Average premium for full coverage: $1,450
Policy rates broken down by type of insurance:
Rates are based on $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Golf Alltrack trim levels.
Price Range Variability
For a driver around age 40, Volkswagen Golf Alltrack insurance rates go from the cheapest price of $504 for a discount liability-only rate to a high of $3,152 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on insurance rates. More rural locations are shown to have more infrequent accident claims than congested cities.
The diagram below illustrates the difference between rural and urban areas on insurance prices.
The examples above show why it is important to get quotes for a targeted area and their own driving history, rather than relying on rate 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.
Rates by State, City, and Model
The chart below shows estimated Volkswagen Golf Alltrack insurance rates for other coverage scenarios.
- The best full coverage rate is $830
- Choosing higher $1,000 deductibles can save approximately $1,260 a year
- The average price for a good driver age 40 who has $500 deductibles is $1,450
- Buying low $100 deductibles for comp and collision coverage increases the price to $1,822
- High-risk insureds with multiple tickets or accidents could pay up to $3,152 or more
- Policy cost to insure a teen driver can cost as much as $5,468 each year
Auto insurance rates for a Volkswagen Golf Alltrack also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $570 each year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $5,400 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,700 to $2,400 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 131% more than the average rate. View High Risk Driver Rates
Your home state plays a big part in determining prices for Volkswagen Golf Alltrack insurance rates. A good driver about age 40 could pay as low as $960 a year in states like Iowa, Maine, and Idaho, or at least $2,070 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,312 | -$138 | -9.5% |
| Alaska | $1,112 | -$338 | -23.3% |
| Arizona | $1,204 | -$246 | -17.0% |
| Arkansas | $1,450 | -$0 | 0.0% |
| California | $1,652 | $202 | 13.9% |
| Colorado | $1,384 | -$66 | -4.6% |
| Connecticut | $1,492 | $42 | 2.9% |
| Delaware | $1,640 | $190 | 13.1% |
| Florida | $1,814 | $364 | 25.1% |
| Georgia | $1,338 | -$112 | -7.7% |
| Hawaii | $1,042 | -$408 | -28.1% |
| Idaho | $982 | -$468 | -32.3% |
| Illinois | $1,082 | -$368 | -25.4% |
| Indiana | $1,092 | -$358 | -24.7% |
| Iowa | $978 | -$472 | -32.6% |
| Kansas | $1,380 | -$70 | -4.8% |
| Kentucky | $1,978 | $528 | 36.4% |
| Louisiana | $2,146 | $696 | 48.0% |
| Maine | $894 | -$556 | -38.3% |
| Maryland | $1,194 | -$256 | -17.7% |
| Massachusetts | $1,160 | -$290 | -20.0% |
| Michigan | $2,520 | $1,070 | 73.8% |
| Minnesota | $1,214 | -$236 | -16.3% |
| Mississippi | $1,738 | $288 | 19.9% |
| Missouri | $1,286 | -$164 | -11.3% |
| Montana | $1,558 | $108 | 7.4% |
| Nebraska | $1,144 | -$306 | -21.1% |
| Nevada | $1,740 | $290 | 20.0% |
| New Hampshire | $1,046 | -$404 | -27.9% |
| New Jersey | $1,622 | $172 | 11.9% |
| New Mexico | $1,284 | -$166 | -11.4% |
| New York | $1,528 | $78 | 5.4% |
| North Carolina | $836 | -$614 | -42.3% |
| North Dakota | $1,188 | -$262 | -18.1% |
| Ohio | $1,002 | -$448 | -30.9% |
| Oklahoma | $1,490 | $40 | 2.8% |
| Oregon | $1,328 | -$122 | -8.4% |
| Pennsylvania | $1,384 | -$66 | -4.6% |
| Rhode Island | $1,936 | $486 | 33.5% |
| South Carolina | $1,314 | -$136 | -9.4% |
| South Dakota | $1,224 | -$226 | -15.6% |
| Tennessee | $1,270 | -$180 | -12.4% |
| Texas | $1,750 | $300 | 20.7% |
| Utah | $1,074 | -$376 | -25.9% |
| Vermont | $994 | -$456 | -31.4% |
| Virginia | $868 | -$582 | -40.1% |
| Washington | $1,122 | -$328 | -22.6% |
| West Virginia | $1,330 | -$120 | -8.3% |
| Wisconsin | $1,004 | -$446 | -30.8% |
| Wyoming | $1,292 | -$158 | -10.9% |
Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, and quoted rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Volkswagen Golf Alltrack | $292 | $548 | $452 | $1,450 |
| 2018 Volkswagen Golf Alltrack | $280 | $516 | $456 | $1,410 |
Rates are averaged for all Volkswagen Golf Alltrack models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Cheap Volkswagen Golf Alltrack Insurance
Finding cheaper rates on Volkswagen Golf Alltrack insurance takes being a good driver, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to compare rates once a year by getting quotes from direct carriers, and also from several local insurance agents.
The following list is a quick review of the data that was covered above.
- Drivers can save approximately $180 per year simply by quoting early and online
- Drivers who want an increased level of liability coverage will pay around $500 each year to raise limits from a 30/60 limit to a 250/500 level
- Drivers age 16 to 20 are the costliest to insure, costing up to $456 each month if comprehensive and collision insurance is included
- High-risk drivers with a DUI or reckless driving violation pay on average $1,700 more annually than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,468 |
| 20 | $3,362 |
| 30 | $1,508 |
| 40 | $1,450 |
| 50 | $1,326 |
| 60 | $1,302 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,822 |
| $250 | $1,648 |
| $500 | $1,450 |
| $1,000 | $1,260 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,450 |
| 50/100 | $1,540 |
| 100/300 | $1,653 |
| 250/500 | $1,947 |
| 100 CSL | $1,586 |
| 300 CSL | $1,834 |
| 500 CSL | $2,015 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,806 |
| 20 | $5,358 |
| 30 | $3,216 |
| 40 | $3,152 |
| 50 | $3,012 |
| 60 | $2,984 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $78 |
| Multi-vehicle | $77 |
| Homeowner | $22 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $95 |
| Paid in Full/EFT | $66 |
| Advance Quote | $72 |
| Online Quote | $103 |
| Total Discounts | $620 |
Discounts are estimated and may not be available from every company or in every state.
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