Volkswagen Golf Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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.
U.S. average insurance prices for a Volkswagen Golf are $1,454 every 12 months for full coverage insurance. Comprehensive costs on average $306, collision insurance costs $600, and liability coverage is estimated at $390. Liability-only coverage costs approximately $452 a year, and high-risk coverage costs around $3,162. Teens pay the highest rates at up to $5,402 a year.
Average premium for full coverage: $1,454
Price estimates by individual coverage:
Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different Golf trim levels.
Price Range from Low to High
For the average 40-year-old driver, Volkswagen Golf insurance prices range from the cheapest price of $452 for your basic liability-only policy to a much higher rate of $3,162 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on insurance rates. Rural areas have more infrequent physical damage claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on car insurance rates.
The ranges above illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than using averaged prices.
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.
More Rate Information
The chart below illustrates average Volkswagen Golf insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $826
- Choosing higher $1,000 deductibles can save around $204 each year
- The average price for the average middle-age driver with $500 deductibles is $1,454
- Selecting more expensive low deductibles for comp and collision coverage increases the price to $1,858
- Drivers with serious driving violations could pay upwards of $3,162
- The price to insure a teenage driver with full coverage may cost $5,402 each year
Auto insurance prices for a Volkswagen Golf are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your Golf.
Choosing higher comprehensive and collision insurance deductibles can save as much as $610 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $5,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,400 in extra premium each year, depending on your age. High-risk driver insurance ranges around 44% to 130% more than the average policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Volkswagen Golf insurance rates. A good driver about age 40 could pay as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,970 on average in Michigan, New York, and Florida.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for the Best Cheap Volkswagen Golf Insurance
Getting lower rates on auto insurance takes having a decent driving record, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a quick review of the data that was touched on in this article.
- It is possible to save as much as $180 per year just by shopping early and online
- Consumers who require additional liability coverage will pay approximately $430 annually to raise limits from a low limit to a 250/500 level
- 16 to 18-year-old drivers are charged the highest prices, as much as $450 a month if comprehensive and collision insurance is included
- Drivers with a DUI or reckless driving violation pay on average $1,710 more each year than a driver with a clean driving record
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 | $5,402 |
| 20 | $3,380 |
| 30 | $1,522 |
| 40 | $1,454 |
| 50 | $1,330 |
| 60 | $1,306 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,858 |
| $250 | $1,672 |
| $500 | $1,454 |
| $1,000 | $1,250 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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