Volkswagen Golf Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Aug 23, 2022

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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.

Estimated auto insurance rates for a Volkswagen Golf are $1,360 annually for full coverage insurance. Comprehensive costs around $250, collision insurance costs $500, and liability insurance costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage costs around $2,962. Teenage drivers pay the most at up to $5,210 a year.

Average premium for full coverage: $1,360

Premium estimates for type of coverage:

Comprehensive $250
Collision $500
Liability $452

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for different Golf trim levels.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Volkswagen Golf range from as cheap as $504 for just liability coverage to a much higher rate of $2,962 for a driver who has had serious violations or accidents.

Liability Only $504
Full Coverage $1,360
High Risk $2,962

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than densely populated cities. The price range example below illustrates how your location can change auto insurance rates.

Rural Areas $1,020
Small Cities $1,428
Large Cities $1,836

These rate differences illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than relying on average rates.

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.

Detailed Rate Analysis

The chart below illustrates average Volkswagen Golf insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $779
  • Using higher $1,000 deductibles will save about $170 each year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,360
  • Using more expensive low deductibles for physical damage coverage will cost $1,690
  • Drivers who are prone to accidents and violations could pay at least $2,962
  • An auto insurance policy with full coverage for a teen driver with full coverage can be $5,210 or more

View Chart as Image

Volkswagen Golf insurance cost comparison chart
Column chart showing Volkswagen Golf insurance rates range from $779 to $5,210 for full coverage

Insurance prices for a Volkswagen Golf also have a wide range based on the model of your Golf, your risk profile, and deductibles and policy limits.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,600 to $2,300 extra annually, depending on your age. High-risk driver insurance can be anywhere from 44% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $500 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Volkswagen Golf insurance rates. A driver around age 40 might see prices as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,830 on average in Michigan, New York, and Florida.

Volkswagen Golf Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,230 -$130 -9.6%
Alaska $1,042 -$318 -23.4%
Arizona $1,126 -$234 -17.2%
Arkansas $1,360 -$0 0.0%
California $1,546 $186 13.7%
Colorado $1,296 -$64 -4.7%
Connecticut $1,396 $36 2.6%
Delaware $1,536 $176 12.9%
Florida $1,700 $340 25.0%
Georgia $1,254 -$106 -7.8%
Hawaii $974 -$386 -28.4%
Idaho $918 -$442 -32.5%
Illinois $1,012 -$348 -25.6%
Indiana $1,022 -$338 -24.9%
Iowa $916 -$444 -32.6%
Kansas $1,290 -$70 -5.1%
Kentucky $1,852 $492 36.2%
Louisiana $2,012 $652 47.9%
Maine $838 -$522 -38.4%
Maryland $1,120 -$240 -17.6%
Massachusetts $1,086 -$274 -20.1%
Michigan $2,358 $998 73.4%
Minnesota $1,136 -$224 -16.5%
Mississippi $1,626 $266 19.6%
Missouri $1,206 -$154 -11.3%
Montana $1,458 $98 7.2%
Nebraska $1,072 -$288 -21.2%
Nevada $1,628 $268 19.7%
New Hampshire $980 -$380 -27.9%
New Jersey $1,518 $158 11.6%
New Mexico $1,202 -$158 -11.6%
New York $1,430 $70 5.1%
North Carolina $784 -$576 -42.4%
North Dakota $1,112 -$248 -18.2%
Ohio $938 -$422 -31.0%
Oklahoma $1,394 $34 2.5%
Oregon $1,244 -$116 -8.5%
Pennsylvania $1,296 -$64 -4.7%
Rhode Island $1,812 $452 33.2%
South Carolina $1,230 -$130 -9.6%
South Dakota $1,146 -$214 -15.7%
Tennessee $1,188 -$172 -12.6%
Texas $1,638 $278 20.4%
Utah $1,006 -$354 -26.0%
Vermont $930 -$430 -31.6%
Virginia $814 -$546 -40.1%
Washington $1,050 -$310 -22.8%
West Virginia $1,244 -$116 -8.5%
Wisconsin $940 -$420 -30.9%
Wyoming $1,210 -$150 -11.0%

View Chart as Image

Volkswagen Golf insurance rates by U.S. city

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 $1,312 $109
Volkswagen Golf 2.5 4-Dr Hatchback $1,310 $109
Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback $1,394 $116
Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback $1,380 $115

Rates assume 2017 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
2017 Volkswagen Golf $250 $500 $452 $1,360
2015 Volkswagen Golf $230 $422 $460 $1,270
2012 Volkswagen Golf $202 $340 $474 $1,174
2004 Volkswagen Golf $138 $190 $446 $932
2003 Volkswagen Golf $132 $180 $442 $912

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 Buy Cheap Volkswagen Golf Insurance

Finding better rates on Volkswagen Golf insurance requires avoiding accidents and violations, having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest the time to shop around every other policy renewal by requesting rates from direct insurance companies, and also from several local insurance agents.

The list below is a brief summary of the ideas that were illustrated above.

  • Teenagers pay higher prices, with premiums being up to $434 per month including comprehensive and collision insurance
  • High-risk drivers that tend to have accidents or serious violations pay on average $1,600 more every year for car insurance
  • Increasing policy deductibles could save up to $500 each year
  • It is possible to save up to $160 per year just by shopping early and online

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 $5,210
20 $3,164
30 $1,408
40 $1,360
50 $1,244
60 $1,220

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,690
$250 $1,534
$500 $1,360
$1,000 $1,190

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,360
50/100 $1,470
100/300 $1,583
250/500 $1,877
100 CSL $1,516
300 CSL $1,764
500 CSL $1,945

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Golf Insurance Rates for High Risk Drivers
Age Premium
16 $7,424
20 $5,046
30 $3,016
40 $2,962
50 $2,830
60 $2,806

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 $194

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $100
5-yr Claim Free $89
Paid in Full/EFT $61
Advance Quote $68
Online Quote $96
Total Discounts $581
Rate after discounts $779

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

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