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: Jun 2, 2023

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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 auto insurance rates for a Volkswagen Golf are $1,454 annually with full coverage. Comprehensive insurance costs approximately $306, collision insurance costs $600, and liability insurance is $390. Liability-only insurance costs around $452 a year, and high-risk driver insurance costs $3,162 or more. 16-year-old drivers pay the most at up to $5,402 a year.

Average premium for full coverage: $1,454

Premium estimates by type of coverage:

Comprehensive $306
Collision $600
Liability $390

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. 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 range from as cheap as $452 for a discount liability-only rate to a much higher rate of $3,162 for a policy for a high-risk driver.

Liability Only $452
Full Coverage $1,454
High Risk $3,162

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are statistically proven to have fewer collision claims than congested cities. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $1,091
Small Cities $1,527
Large Cities $1,963

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, rather than relying on 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 details average Volkswagen Golf insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $826
  • Raising to $1,000 deductibles will save $204 annually
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,454
  • Buying more expensive low deductibles costs an additional $404 a year
  • Higher-risk drivers with multiple tickets or accidents could pay around $3,162
  • An auto insurance policy with full coverage for a teen driver with full coverage can cost $5,402

View Chart as Image

Volkswagen Golf insurance cost comparison chart
Column chart showing Volkswagen Golf insurance prices range from $826 to $5,402 for full coverage

Insurance prices for a Volkswagen Golf also have a wide range based on the model of your Golf, your driving record, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,700 to $2,400 additional annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $610 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $351 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Volkswagen Golf insurance rates. A middle-age driver might find prices as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or at least $1,970 on average in New York, Michigan, and Florida.

Volkswagen Golf Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,318 -$136 -9.4%
Alaska $1,116 -$338 -23.2%
Arizona $1,208 -$246 -16.9%
Arkansas $1,454 -$0 0.0%
California $1,658 $204 14.0%
Colorado $1,390 -$64 -4.4%
Connecticut $1,498 $44 3.0%
Delaware $1,648 $194 13.3%
Florida $1,822 $368 25.3%
Georgia $1,346 -$108 -7.4%
Hawaii $1,046 -$408 -28.1%
Idaho $986 -$468 -32.2%
Illinois $1,084 -$370 -25.4%
Indiana $1,098 -$356 -24.5%
Iowa $984 -$470 -32.3%
Kansas $1,384 -$70 -4.8%
Kentucky $1,986 $532 36.6%
Louisiana $2,156 $702 48.3%
Maine $898 -$556 -38.2%
Maryland $1,202 -$252 -17.3%
Massachusetts $1,166 -$288 -19.8%
Michigan $2,530 $1,076 74.0%
Minnesota $1,218 -$236 -16.2%
Mississippi $1,744 $290 19.9%
Missouri $1,292 -$162 -11.1%
Montana $1,564 $110 7.6%
Nebraska $1,150 -$304 -20.9%
Nevada $1,746 $292 20.1%
New Hampshire $1,048 -$406 -27.9%
New Jersey $1,628 $174 12.0%
New Mexico $1,290 -$164 -11.3%
New York $1,532 $78 5.4%
North Carolina $838 -$616 -42.4%
North Dakota $1,192 -$262 -18.0%
Ohio $1,006 -$448 -30.8%
Oklahoma $1,494 $40 2.8%
Oregon $1,332 -$122 -8.4%
Pennsylvania $1,390 -$64 -4.4%
Rhode Island $1,942 $488 33.6%
South Carolina $1,320 -$134 -9.2%
South Dakota $1,228 -$226 -15.5%
Tennessee $1,276 -$178 -12.2%
Texas $1,756 $302 20.8%
Utah $1,076 -$378 -26.0%
Vermont $996 -$458 -31.5%
Virginia $872 -$582 -40.0%
Washington $1,124 -$330 -22.7%
West Virginia $1,336 -$118 -8.1%
Wisconsin $1,008 -$446 -30.7%
Wyoming $1,300 -$154 -10.6%

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 $1,398 $117
Volkswagen Golf 2.5 4-Dr Hatchback $1,396 $116
Volkswagen Golf 2.0T Turbo Diesel 2-Dr Hatchback $1,498 $125
Volkswagen Golf 2.0T Turbo Diesel 4-Dr Hatchback $1,480 $123

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.

Volkswagen Golf Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Volkswagen Golf $306 $600 $390 $1,454
2023 Volkswagen Golf $294 $596 $398 $1,446
2022 Volkswagen Golf $284 $582 $416 $1,440
2021 Volkswagen Golf $274 $558 $430 $1,420
2020 Volkswagen Golf $260 $538 $442 $1,398
2019 Volkswagen Golf $250 $500 $452 $1,360
2018 Volkswagen Golf $240 $470 $456 $1,324
2017 Volkswagen Golf $230 $422 $460 $1,270
2016 Volkswagen Golf $214 $388 $460 $1,220
2015 Volkswagen Golf $206 $364 $464 $1,192
2012 Volkswagen Golf $182 $286 $478 $1,104

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 Buy Affordable Volkswagen Golf Insurance

Finding better rates on Volkswagen Golf insurance consists of being safe and accident-free, having good credit, being claim-free, and consideration of higher deductibles. Set aside time to compare rates every year by requesting quotes from direct companies, and also from your local independent and exclusive agents.

Below you'll find a brief review of the coverage data covered above.

  • You may be able to save around $180 per year just by shopping early and online
  • Increasing policy deductibles could save up to $600 each year
  • Youthful drivers are the costliest to insure, possibly costing $450 per month if they have full coverage
  • High-risk drivers with DUI or reckless driving convictions may pay on average $1,710 more per year than a low-risk driver

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 $5,402
20 $3,380
30 $1,522
40 $1,454
50 $1,330
60 $1,306

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,858
$250 $1,672
$500 $1,454
$1,000 $1,250

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,454
50/100 $1,558
100/300 $1,656
250/500 $1,909
100 CSL $1,597
300 CSL $1,812
500 CSL $1,968

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Golf Insurance Rates for High Risk Drivers
Age Premium
16 $7,722
20 $5,378
30 $3,234
40 $3,162
50 $3,016
60 $2,990

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 $205

Potential Rate Discounts

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

Discount Savings
Multi-policy $78
Multi-vehicle $76
Homeowner $21
5-yr Accident Free $111
5-yr Claim Free $95
Paid in Full/EFT $69
Advance Quote $74
Online Quote $104
Total Discounts $628
Rate after discounts $826

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

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