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: 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.

The average insurance prices for a Volkswagen Golf are $1,270 every 12 months including full coverage. Comprehensive costs approximately $230 each year, collision insurance costs $422, and liability is estimated at $460. Buying just liability costs approximately $510 a year, and insurance for high-risk drivers costs around $2,756. Teens cost the most to insure at up to $4,918 a year.

Average premium for full coverage: $1,270

Policy rates by type of insurance:

Comprehensive $230
Collision $422
Liability $460

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Golf models.

Price Range Variability

Using a middle-aged driver as an example, Volkswagen Golf insurance rates range from the cheapest price of $510 for liability-only coverage to a high rate of $2,756 for a high-risk driver policy.

Liability Only $510
Full Coverage $1,270
High Risk $2,756

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how where you live affects auto insurance prices.

Rural Areas $953
Small Cities $1,334
Large Cities $1,715

The examples above highlight why all drivers should get quotes using their specific location and their own driving history, instead of making a decision based on averaged prices.

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 Charts and Tables

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

  • The cheapest rate after discounts is $739
  • Choosing higher $1,000 deductibles can save $150 every year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,270
  • Selecting low deductibles for comp and collision coverage increases the price to $1,556
  • Higher-risk drivers with serious driving violations could pay around $2,756
  • Policy cost to insure a 16-year-old driver can cost $4,918 each year

View Chart as Image

Volkswagen Golf insurance cost comparison chart
Column chart showing Volkswagen Golf insurance rates range from $739 to $4,918 for full coverage

Insurance rates for a Volkswagen Golf also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Golf.

Choosing higher comprehensive and collision insurance deductibles can save as much as $440 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 132% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Volkswagen Golf insurance prices. A good driver about age 40 could pay as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,810 on average in Louisiana, New York, and Michigan.

Volkswagen Golf Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,148 -$122 -9.6%
Alaska $974 -$296 -23.3%
Arizona $1,054 -$216 -17.0%
Arkansas $1,270 -$0 0.0%
California $1,446 $176 13.9%
Colorado $1,214 -$56 -4.4%
Connecticut $1,306 $36 2.8%
Delaware $1,436 $166 13.1%
Florida $1,586 $316 24.9%
Georgia $1,172 -$98 -7.7%
Hawaii $910 -$360 -28.3%
Idaho $860 -$410 -32.3%
Illinois $944 -$326 -25.7%
Indiana $954 -$316 -24.9%
Iowa $854 -$416 -32.8%
Kansas $1,206 -$64 -5.0%
Kentucky $1,732 $462 36.4%
Louisiana $1,878 $608 47.9%
Maine $784 -$486 -38.3%
Maryland $1,048 -$222 -17.5%
Massachusetts $1,016 -$254 -20.0%
Michigan $2,204 $934 73.5%
Minnesota $1,062 -$208 -16.4%
Mississippi $1,520 $250 19.7%
Missouri $1,126 -$144 -11.3%
Montana $1,364 $94 7.4%
Nebraska $1,000 -$270 -21.3%
Nevada $1,524 $254 20.0%
New Hampshire $916 -$354 -27.9%
New Jersey $1,420 $150 11.8%
New Mexico $1,126 -$144 -11.3%
New York $1,338 $68 5.4%
North Carolina $730 -$540 -42.5%
North Dakota $1,040 -$230 -18.1%
Ohio $876 -$394 -31.0%
Oklahoma $1,304 $34 2.7%
Oregon $1,162 -$108 -8.5%
Pennsylvania $1,210 -$60 -4.7%
Rhode Island $1,694 $424 33.4%
South Carolina $1,150 -$120 -9.4%
South Dakota $1,072 -$198 -15.6%
Tennessee $1,110 -$160 -12.6%
Texas $1,530 $260 20.5%
Utah $940 -$330 -26.0%
Vermont $868 -$402 -31.7%
Virginia $760 -$510 -40.2%
Washington $984 -$286 -22.5%
West Virginia $1,162 -$108 -8.5%
Wisconsin $878 -$392 -30.9%
Wyoming $1,132 -$138 -10.9%

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 $1,228 $102
Volkswagen Golf 2.5 4-Dr Hatchback $1,228 $102
Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback $1,300 $108
Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback $1,288 $107

Rates assume 2016 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 $322 $626 $372 $1,478
2023 Volkswagen Golf $306 $600 $390 $1,454
2022 Volkswagen Golf $294 $596 $398 $1,446
2021 Volkswagen Golf $284 $582 $416 $1,440
2020 Volkswagen Golf $274 $558 $430 $1,420
2019 Volkswagen Golf $260 $538 $442 $1,398
2018 Volkswagen Golf $250 $500 $452 $1,360
2017 Volkswagen Golf $240 $470 $456 $1,324
2016 Volkswagen Golf $230 $422 $460 $1,270
2015 Volkswagen Golf $214 $388 $460 $1,220
2012 Volkswagen Golf $186 $316 $474 $1,134
2004 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 Shop for the Best Cheap Volkswagen Golf Insurance

Finding cheaper rates on insurance for a Volkswagen Golf takes being safe and accident-free, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to comparison shop every time your policy renews by getting quotes from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a quick review of the information touched on in the above illustrations.

  • You may be able to save around $150 per year just by quoting online in advance
  • Youthful drivers are expensive to insure, with premiums being up to $410 each month if they have full coverage
  • Increasing comprehensive and collision deductibles could save as much as $425 each year
  • Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,490 more per year than a low-risk driver
  • Insureds who purchase more liability protection will pay approximately $510 per year to raise limits from a 30/60 limit to a 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. 

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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 $4,918
20 $2,942
30 $1,310
40 $1,270
50 $1,162
60 $1,140

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,556
$250 $1,422
$500 $1,270
$1,000 $1,120

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,270
50/100 $1,380
100/300 $1,495
250/500 $1,794
100 CSL $1,426
300 CSL $1,679
500 CSL $1,863

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Golf Insurance Rates for High Risk Drivers
Age Premium
16 $6,988
20 $4,692
30 $2,804
40 $2,756
50 $2,636
60 $2,614

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 $178

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $69
Homeowner $20
5-yr Accident Free $89
5-yr Claim Free $82
Paid in Full/EFT $54
Advance Quote $61
Online Quote $89
Total Discounts $531
Rate after discounts $739

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

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