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.

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:

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

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.

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.

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

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.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

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. 

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.