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 auto insurance rates for a Volkswagen Golf are $1,454 annually with full coverage. Comprehensive costs an estimated $306 each year, collision costs $600, and liability is estimated at $390. A policy with just liability insurance costs approximately $452 a year, with coverage for high-risk drivers costing around $3,162. Teens 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:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and Golf models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations have fewer collision claims than cities with more traffic congestion.

The graphic below illustrates how geographic area affects insurance prices.

The ranges above demonstrate why all drivers should get quotes for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $826
• Choosing higher $1,000 deductibles can save approximately $204 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,454
• Selecting low deductibles for comp and collision coverage will cost $1,858
• Unlucky drivers with serious driving violations could pay up to $3,162 or more
• The price with full coverage for a teen driver can cost as much as $5,402 each year

View Chart as Image

Insurance prices for a Volkswagen Golf are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay at least $5,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,700 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $610 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Volkswagen Golf insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,970 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison and see which company has the best price. Each auto insurer calculates prices differently, so the prices may be quite different between companies.

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 Buy Cheap Volkswagen Golf Insurance

Getting lower rates on car insurance takes avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates at least every other year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief summary of the car insurance concepts presented in the illustrations above.

• Higher risk drivers that tend to have accidents or serious violations pay on average $1,710 more annually for car insurance
• You may be able to save approximately $180 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $600 each year
• Policyholders who want higher liability limits will pay approximately $430 every year to raise limits from a low limit to higher 250/500 limits

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.