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 insurance prices for a Volkswagen Golf are $1,478 every 12 months including full coverage. Comprehensive costs on average $322, collision costs $626, and liability costs $372. Liability-only coverage costs as little as $438 a year, with high-risk coverage costing around $3,206. Teenage drivers pay the most at $5,438 a year or more.

Average premium for full coverage: $1,478

Premium estimates by type of coverage:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for all Golf models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The example below illustrates how location helps determine car insurance rates.

These rate differences highlight why everyone should compare rates based on a specific location and their own driving history, instead of using average rates.

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

Rates by State, City, and Model

The chart below breaks down estimated Volkswagen Golf insurance rates for different risk profiles and scenarios.

• The best discount rate is $840
• Drivers who choose higher $1,000 deductibles will pay around $216 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,478
• Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,896
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,206 or more
• An auto insurance policy to insure a teen driver for full coverage may cost $5,438 a year

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

Using high physical damage deductibles could save up to $640 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect 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 are likely paying at a minimum $1,800 to $2,400 extra annually, depending on your age. Volkswagen Golf insurance for high-risk drivers can cost as much as 44% to 136% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Volkswagen Golf insurance prices. A 40-year-old driver could pay as low as $1,130 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,110 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Every company uses a different method to calculate prices, so the prices will be substantially different.

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 Shop for the Best Cheap Volkswagen Golf Insurance

Finding better rates on car insurance not only requires being safe and accident-free, but also having good credit, refrain from filing small claims, and bundling your home and auto policies. Invest time comparing rates at least once a year by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

Below you'll find a quick review of the primary concepts that were covered in the charts and tables above.

• You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,730 more each year than a low-risk driver
• Increasing policy deductibles could save as much as $625 each year
• Youthful drivers pay the highest prices, with the cost nearing $453 per month if they have full coverage

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.