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.

Average insurance rates for a Volkswagen Golf are $1,454 a year with full coverage. Comprehensive insurance costs around $306, collision costs $600, and liability insurance is $390. A policy with just liability insurance costs around $452 a year, with coverage for high-risk drivers costing $3,162 or more. Teenage drivers receive the highest rates at $5,402 a year or more.

Average premium for full coverage: $1,454

Rate estimates for individual coverage type:

Rate estimates include $500 deductible amounts, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Golf trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below details estimated Volkswagen Golf insurance rates for additional coverage choices and driver risks.

• The best discount rate is $826
• Raising to $1,000 deductibles will save about $204 annually
• The average rate for a 40-year-old driver using $500 deductibles is $1,454
• Using more expensive low deductibles will cost an extra $404 a year
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,162 or more
• The cost for full coverage for a teen driver with full coverage can be $5,402

View Chart as Image

Insurance rates for a Volkswagen Golf can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles could pay as little as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $5,400 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $610 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,700 to $2,400 additional per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out your exact price is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different from one company to the next.

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 Find the Best Volkswagen Golf Insurance

Saving money on Volkswagen Golf insurance consists of having a good driving record, having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Make time to compare rates at every policy renewal by getting quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The next list is a brief recap of the data touched on in this article.

• Drivers who may need increased levels of liability coverage will pay an extra $430 every year to raise from a minimum limit to 250/500 limits
• You may be able to save up to $180 per year simply by shopping early and online
• Increasing deductibles can save around $600 each year
• Drivers age 20 and younger are charged the highest rates, with premiums as much as $450 per month including comprehensive and collision insurance

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.