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 $1,478 annually for full coverage. Comprehensive insurance costs on average $322 a year, collision insurance costs $626, and liability coverage costs around $372. Liability-only coverage costs as low as $438 a year, and high-risk coverage costs $3,206 or more. Teenage drivers pay the most at up to $5,438 a year.

Average premium for full coverage: $1,478

Premium estimates by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and Golf trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have fewer accident claims than densely populated cities. The diagram below illustrates how geographic area affects car insurance rates.

These rate differences show why it is important to compare prices based on a specific location and their own personal driving habits, rather than using average rates.

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

Additional Rate Analysis

The chart below shows average Volkswagen Golf insurance rates for different risk profiles and scenarios.

• The best discount rate is $840
• Using higher $1,000 deductibles will save around $1,262 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,478
• Using low $100 deductibles for physical damage coverage costs an additional $418 each year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,206
• An auto insurance policy with full coverage for a teenage driver may cost $5,438 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 driver profile, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,400 a year, or $117 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 upwards of $5,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,800 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy can be around 44% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $640 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $335 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 $970 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,110 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 More Affordable Volkswagen Golf Insurance

Finding better rates on auto insurance requires avoiding accidents and violations, having a good credit history, not filing small claims, and determing if full coverage is necessary. Invest the time to compare rates every time your policy renews by getting price quotes from direct carriers, and also from local insurance agents.

The list below is a summary of the information presented in the illustrations above.

• Drivers can save as much as $180 per year just by quoting early and online
• Teenagers pay the highest prices, as much as $453 per month including comprehensive and collision insurance
• Increasing policy deductibles could save up to $625 each year
• Drivers who have multiple accidents or major violations may be required to pay an average of $1,730 more each year for car insurance
• Consumers who require higher liability limits will pay an extra $410 each year to increase from 30/60 bodily injury limits 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.