Volkswagen Golf Insurance Rates
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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.
Estimated insurance prices for a Volkswagen Golf are $1,478 every 12 months for full coverage. Comprehensive costs on average $322, collision costs $626, and liability costs around $372. Liability-only insurance costs as low as $438 a year, with high-risk driver insurance costing around $3,206. 16-year-old drivers pay the most at $5,438 a year or more.
Average premium for full coverage: $1,478
Premium estimates by type of coverage:
Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different Golf trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Volkswagen Golf go from the cheapest price of $438 for a discount liability-only rate to a much higher rate of $3,206 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than congested cities.
The price range example below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences show why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of using 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 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $840
- Using higher $1,000 deductibles will save around $216 a year
- The average price for a 40-year-old good driver with $500 deductibles is $1,478
- Buying more expensive low deductibles for physical damage coverage increases the price to $1,896
- Drivers with multiple tickets or accidents could pay upwards of $3,206 or more
- An auto insurance policy to insure a teen driver with full coverage may cost $5,438 or more
Insurance prices for a Volkswagen Golf also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Golf.
Opting for high physical damage deductibles could cut prices by as much as $640 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $335 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $5,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,800 to $2,400 additional annually, depending on your age. High-risk driver insurance can be as much as 44% to 136% more than the average rate. View High Risk Driver Rates
Where you choose to live has a huge impact on Volkswagen Golf insurance prices. A driver around age 40 might see prices as low as $970 a year in states like Idaho, Maine, and Iowa, or at least $2,110 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,334 | -$144 | -9.7% |
| Alaska | $1,134 | -$344 | -23.3% |
| Arizona | $1,224 | -$254 | -17.2% |
| Arkansas | $1,478 | -$0 | 0.0% |
| California | $1,682 | $204 | 13.8% |
| Colorado | $1,412 | -$66 | -4.5% |
| Connecticut | $1,518 | $40 | 2.7% |
| Delaware | $1,674 | $196 | 13.3% |
| Florida | $1,850 | $372 | 25.2% |
| Georgia | $1,366 | -$112 | -7.6% |
| Hawaii | $1,060 | -$418 | -28.3% |
| Idaho | $1,000 | -$478 | -32.3% |
| Illinois | $1,102 | -$376 | -25.4% |
| Indiana | $1,112 | -$366 | -24.8% |
| Iowa | $998 | -$480 | -32.5% |
| Kansas | $1,406 | -$72 | -4.9% |
| Kentucky | $2,014 | $536 | 36.3% |
| Louisiana | $2,188 | $710 | 48.0% |
| Maine | $912 | -$566 | -38.3% |
| Maryland | $1,220 | -$258 | -17.5% |
| Massachusetts | $1,184 | -$294 | -19.9% |
| Michigan | $2,566 | $1,088 | 73.6% |
| Minnesota | $1,238 | -$240 | -16.2% |
| Mississippi | $1,770 | $292 | 19.8% |
| Missouri | $1,310 | -$168 | -11.4% |
| Montana | $1,588 | $110 | 7.4% |
| Nebraska | $1,166 | -$312 | -21.1% |
| Nevada | $1,772 | $294 | 19.9% |
| New Hampshire | $1,064 | -$414 | -28.0% |
| New Jersey | $1,652 | $174 | 11.8% |
| New Mexico | $1,308 | -$170 | -11.5% |
| New York | $1,556 | $78 | 5.3% |
| North Carolina | $852 | -$626 | -42.4% |
| North Dakota | $1,210 | -$268 | -18.1% |
| Ohio | $1,020 | -$458 | -31.0% |
| Oklahoma | $1,518 | $40 | 2.7% |
| Oregon | $1,352 | -$126 | -8.5% |
| Pennsylvania | $1,410 | -$68 | -4.6% |
| Rhode Island | $1,970 | $492 | 33.3% |
| South Carolina | $1,340 | -$138 | -9.3% |
| South Dakota | $1,248 | -$230 | -15.6% |
| Tennessee | $1,296 | -$182 | -12.3% |
| Texas | $1,780 | $302 | 20.4% |
| Utah | $1,094 | -$384 | -26.0% |
| Vermont | $1,012 | -$466 | -31.5% |
| Virginia | $884 | -$594 | -40.2% |
| Washington | $1,142 | -$336 | -22.7% |
| West Virginia | $1,354 | -$124 | -8.4% |
| Wisconsin | $1,022 | -$456 | -30.9% |
| Wyoming | $1,316 | -$162 | -11.0% |
With such a large range in prices, the only way to know exactly what you will pay is to compare prices and see which company has the best price. Each insurance company utilizes a different rate formula, and prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volkswagen Golf 2.5 2-Dr Hatchback | $1,418 | $118 |
| Volkswagen Golf 2.5 4-Dr Hatchback | $1,414 | $118 |
| Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback | $1,522 | $127 |
| Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback | $1,504 | $125 |
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.
| 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 Volkswagen Golf Insurance
Finding better rates on car insurance requires avoiding accidents and claims, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates at every other renewal by requesting rates from direct carriers, and also from local independent and exclusive agents.
The points below are a brief recap of the concepts that were covered above.
- Higher risk drivers who tend to receive serious violations pay an average of $1,730 more each year to insure a Volkswagen Golf
- Drivers under the age of 20 pay higher prices, as much as $453 per month if full coverage is included
- Drivers can save as much as $180 per year simply by shopping early and online
- Increasing policy deductibles could save as much as $625 each year
- Drivers can save as much as $180 per year simply 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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,438 |
| 20 | $3,428 |
| 30 | $1,550 |
| 40 | $1,478 |
| 50 | $1,350 |
| 60 | $1,324 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,896 |
| $250 | $1,702 |
| $500 | $1,478 |
| $1,000 | $1,262 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,478 |
| 50/100 | $1,578 |
| 100/300 | $1,671 |
| 250/500 | $1,913 |
| 100 CSL | $1,616 |
| 300 CSL | $1,820 |
| 500 CSL | $1,969 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,778 |
| 20 | $5,450 |
| 30 | $3,282 |
| 40 | $3,206 |
| 50 | $3,058 |
| 60 | $3,030 |
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 | $79 |
| Multi-vehicle | $77 |
| Homeowner | $21 |
| 5-yr Accident Free | $113 |
| 5-yr Claim Free | $96 |
| Paid in Full/EFT | $71 |
| Advance Quote | $75 |
| Online Quote | $106 |
| Total Discounts | $638 |
Discounts are estimated and may not be available from every company or in every state.
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